Updated: March 12, 2025
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Texas Farm Bureau is the best overall car insurance provider in Texas, with a MoneyGeek score of 85 out of 100 and an annual premium of $760, while State Farm is the runner-up.
State Farm is the top provider of minimum coverage car insurance, with an annual premium of $393, balancing cost and quality service.
Chubb is the best car insurance provider for customer service, with a MoneyGeek score of 94 out of 100. This reflects its outstanding customer satisfaction and claims handling, even with higher premiums.
Texas Farm Bureau is the best overall car insurance company in Texas, earning a MoneyGeek score of 85 out of 100 for its balance of affordability, customer satisfaction and coverage. The ideal provider varies by individual, so we've ranked the top options in Texas for various driver profiles and needs.
| Texas Farm Bureau | 85 | $760 |
| State Farm | 85 | $951 |
| Chubb | 82 | $1,890 |
| Nationwide | 78 | $1,494 |
| AAA Texas | 77 | $1,228 |
| Progressive | 74 | $1,505 |
| Allstate | 72 | $1,452 |
| Mercury | 72 | $1,766 |
| GEICO | 71 | $1,389 |
| Foremost | 66 | $2,216 |
| National General | 64 | $1,580 |
| Dairyland | No Data | $2,052 |
*Note: Scores among qualifying companies range from 64 to 85, reflecting MoneyGeek's baseline scoring system. Insurers may score differently for specific driver profiles. Dairyland, available in Texas, wasn't scored due to incomplete data but stands out in key coverages.
Texas Farm Bureau is the best car insurance option in Texas, offering full coverage at an average of $760 per year. Its MoneyGeek score of 85 out of 100 reflects the insurer's exceptional affordability and customer satisfaction.
The company provides rental car/travel reimbursement and roadside assistance, ensuring comprehensive protection for on-the-road incidents. Rental car reimbursement covers temporary vehicle costs while your car is in the shop, and roadside assistance helps with issues like flat tires or dead batteries.
State Farm is the top choice in Texas for drivers seeking competitive rates for minimum coverage car insurance. With an annual premium of $393, it offers a strong balance of cost and quality, standing out for customer satisfaction and reliable claims service.
State Farm provides all four common discounts: bundling (with home, renters, condo or life insurance), good student, multiple car and safe driving. It also offers unique savings, like a new vehicle discount for cars made in 1994 or later, discounts for safety features like airbags and anti-theft systems, and savings for completing a defensive driving course. Its rare Daytime Running Lights discount provides added safety and extra savings.
Chubb excels in customer service and claims handling, making it a top option for car insurance despite some limitations, such as the absence of roadside assistance coverage. The company provides rental car/travel reimbursement and other standout features tailored to certain needs.
Chubb’s OEM coverage ensures repairs use only original factory parts, preserving your vehicle’s integrity and performance. For collectors, Chubb’s unique coverage for antique or classic cars helps maintain their value and ensures accurate restoration after a covered loss. Diminished value coverage is a valuable perk for new car owners, allowing recovery of lost resale value following an accident.
Nationwide is the top car insurance provider for teens in Texas, with a MoneyGeek score of 90 out of 100. It offers a combination of affordability, satisfactory claims service and overall stability. A Nationwide policy for families with teens costs an average of $1,584 annually.
Drivers can get accident forgiveness, roadside assistance and loss of use coverage. Nationwide also offers a good student discount to young drivers aged 16 to 24 who maintain a B average or better. Maintaining an accident-free record can further lower premiums.
Allstate ranks highly, scoring 81 out of 100, balancing excellent coverage options with affordability. The company's average annual premium for a full coverage policy is $2,140.
A standout feature is Allstate's optional new car replacement coverage, which provides a comparable new vehicle in case of a total loss, eliminating concerns about depreciation — especially valuable during the first few years of ownership when depreciation is steepest. Additional offerings like accident forgiveness and gap insurance reflect Allstate's dedication to comprehensive protection and customer satisfaction.
Weighing several factors is crucial when choosing the best car insurance policy. Our buying guide offers key insights to help you find the ideal balance of coverage and affordability. Explore the details to secure the right policy for your situation.
Texas drivers benefit from auto insurance that combines affordability, comprehensive coverage and excellent service. MoneyGeek simplifies the process by evaluating insurers for you. If you prefer to make your own choice, follow these steps:
Exceptional customer service ensures the support clients need during critical times. Independent data providers like J.D. Power and the National Association of Insurance Commissioners (NAIC) objectively evaluate insurers, helping consumers identify top performers.
In Texas, Chubb leads with perfect customer satisfaction and claims service scores. When assessing options, prioritizing service quality is essential for peace of mind and reliable support.
Texans can save significantly on car insurance by comparing quotes, as rates vary greatly between providers. While affordability is key, service quality shouldn't be overlooked. Conducting research tailored to your needs ensures the best value.
State Farm offers minimum coverage at an average annual premium of $390. It combines cost-effectiveness with reliable service, making it a standout choice in Texas.
The range of coverage options from insurers plays a crucial role in determining protection levels. Choose coverages that fit your driving needs.
Providers like Progressive, Foremost, Nationwide and Allstate offer comprehensive protection with robust options, including rental car/travel reimbursement, roadside assistance, gap insurance and OEM coverage.
A strong financial stability rating shows an insurer’s reliability in settling claims. MoneyGeek highlights GEICO, Chubb and State Farm, earning a perfect stability score. These companies hold AM Best’s highest financial strength rating of A++, reflecting excellent financial health and dependability for policyholders.
Review the claims processes of the companies. Look for providers with easy-to-use systems and straightforward steps to reduce stress during difficult times.
Customer service and claims processing directly affect client satisfaction and trust during stressful times, such as after a car accident. Reliable service provides timely help, clear communication and efficient resolution, easing the challenges of filing an insurance claim.
Car insurance premiums in Texas vary by provider. To get accurate estimates, compare quotes from multiple companies. Use MoneyGeek's calculator to find the best quotes and providers for your needs.
Find the car insurance provider that fits your personal needs and preferences
Minimum coverage insurance is usually the cheapest option, but it may leave you paying out of pocket after serious accidents. Consider more comprehensive coverage for stronger financial protection.
The best auto insurance depends on location, coverage type, driver profile and driving history. This guide highlights the top insurers in Texas for various coverage needs.
MoneyGeek analyzed providers based on service, affordability and more. Texas Farm Bureau is the top-rated company overall, while State Farm is the best choice for minimum coverage and families with teen drivers.
The best car insurance for you depends on your needs and preferences. Below are answers to common questions to help you choose the right policy.
Texas Farm Bureau is the best car insurance company in Texas overall, with a MoneyGeek score of 85 out of 100 and an annual premium of $760.
State Farm ranks highest with a MoneyGeek score of 83 out of 100. While its annual minimum coverage rate is just $393, consumers should note the limitations of such policies, including significant out-of-pocket costs after an accident.
Nationwide (scoring 90 out of 100) is the best auto insurance option for teens, offering a solid balance of affordability, claims processing and stability for an average annual premium of $1,584.
Chubb is the top choice in Texas for those prioritizing customer service in a car insurance provider. Although its rates are higher, Chubb delivers a consistent experience focused on superior service quality.
Driving offenses can affect car insurance rates and options. For Texas drivers, State Farm is the top provider, with an average annual premium of $1,260.
MoneyGeek developed an insurance scoring system for Texas providers based on customer satisfaction, claims experience, essential coverages, affordability and financial stability. Six independent sources informed the analysis. Our recommendations, updated in January 2025, reflect Texas' best car insurance options.
Weighting Factors
Category Adjustments
Sample Policies and Driver Profiles
MoneyGeek collected 328,384 quotes for drivers in their teens, 20s, 40s and 60s driving a Toyota Camry with clean records, unless otherwise noted. Data spanned 370 ZIP codes, weighted to reflect Texas’ population density.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
