Updated: November 6, 2024
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Texas Farm Bureau is the best overall car insurance provider in Texas, earning a MoneyGeek score of 85 out of 100, followed by State Farm.
State Farm is the top choice for minimum coverage car insurance in Texas, with an annual premium of $390.
Chubb leads in customer service among car insurance companies in Texas with a MoneyGeek score of 94 out of 100, followed by Nationwide at 82 out of 100.
MoneyGeek analyzes insurance providers based on service, affordability and other criteria to determine which companies offer the best car insurance in Texas. Texas Farm Bureau stands out as our highest-rated company overall. For those seeking minimum coverage and for families with teen drivers, State Farm leads.
MoneyGeek also found the cheapest car insurance in Texas if cost is more important to you than service.
Why Trust MoneyGeek? We created an insurance scoring system for providers in Texas based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in February 2024 to reflect the current best car insurance options in Texas.
Texas Farm Bureau is the overall best car insurance company in Texas, with a stellar MoneyGeek score of 85 out of 100. Scores among qualifying companies range from 64 to 85. Note that these figures reflect MoneyGeek's baseline scoring system — insurers may receive different scores for different driver profiles.
How does MoneyGeek score companies?
MoneyGeek scores highlight the importance of customer satisfaction and affordability, while also giving considerable weight to claims experience and offered coverages. These metrics indicate an insurer's overall performance, guiding consumers to make informed decisions about their insurance needs.
Dairyland, an insurer available in Texas, was not eligible for a MoneyGeek score due to incomplete data across the five scoring components. Nevertheless, it excels in key coverages.
| 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 |
MoneyGeek found that Texas Farm Bureau is the best full coverage car insurance option in Texas, with an impressive balance of affordability, customer satisfaction and coverage.
Texas Farm Bureau's high score owes largely to its exceptional affordability and customer satisfaction. These attributes have positioned it as the leading provider of full coverage car insurance in the state.
For those on a budget, MoneyGeek also reviewed the insurers that offer the cheapest full coverage car insurance in Texas.
Ranks No. 1 for cost in Texas, charging roughly $760 per year for a full coverage policy.
Scores second-highest in state for claims satisfaction, showcasing its efficiency in handling claims.
Ranks No. 7 in Texas for general customer satisfaction, less than ideal compared to top insurers.
Does not offer OEM coverage or gap insurance, limiting protection choices for customers.
Texas Farm Bureau stands out with its high Satisfaction (32/35) and Affordability (30/30) scores, bringing its total MoneyGeek Score to 85/100. The company supplies customers with the two essential coverages — rental car/travel reimbursement and roadside assistance — ensuring various protective measures for on-the-road incidents. Rental car/travel reimbursement is ideal when your car is in the shop and you need a temporary vehicle. Roadside assistance is another practical add-on — whether you're dealing with a flat tire or a dead battery, help is just a call away. These coverages together provide a cohesive safety net that enhances the driving experience, fueling Texas Farm Bureau's strong reputation among policyholders.
MoneyGeek found that Chubb is the best option in Texas for those who value customer service above all in their car insurance company. Highlighting the top insurers:
Chubb earns a high MoneyGeek score thanks to its exceptional customer satisfaction and claims handling. Despite higher rates, Chubb offers clients a more consistent service experience, emphasizing superior service quality.
Customer service and claims processing directly impact client contentment and trust during stressful times, such as following a car accident. Quality customer service ensures timely assistance, straightforward communication and efficient resolution — all of which can significantly alleviate the hardships of filing an insurance claim.
Ranks No. 2 in Texas for general customer satisfaction.
No. 1 for claims satisfaction.
Offers rare original equipment manufacturer (OEM) coverage and more commonly found rental car/travel reimbursement.
Doesn't offer roadside assistance or gap insurance.
Chubb demonstrates strong performance in customer service and claims handling. Although the company offers the commonly found rental car/travel reimbursement coverage, the absence of roadside assistance coverage is a slight negative. Nonetheless, Chubb still stands out as a great option for car insurance.
Chubb's original equipment manufacturer (OEM) coverage ensures that only original factory parts are used in case of needed repairs, maintaining your car's integrity and performance. Additionally, Chubb offers unique coverage for antique or classic cars, ideal for collectors to ensure vehicles retain their value and are accurately restored after a covered loss. Diminished value coverage can also be a game-changer for new car owners, as it allows you to recover the lost resale value following an accident. Chubb's impressive satisfaction score of 45 and top claims score of 30 affirm its commitment to customer service and reliable claims resolution. These aspects, combined with its premium offerings, solidify Chubb's leading position in the car insurance market.
MoneyGeek found that State Farm is the best option in Texas for drivers seeking the most competitive rates for minimum coverage car insurance.
State Farm stands out for its strong customer satisfaction and reliable claims service. With an annual premium of $390 for the minimum insurance required by law in Texas, State Farm also offers a balance of cost and quality that's hard to surpass.
Although minimum coverage insurance is often the cheapest option, you may end up paying out of pocket in the event of more serious accidents. Consider getting more comprehensive coverage for better financial protection.
Offers both common and rare discounts, including discounts for air bags and daytime running lights.
Ranks No. 2 in Texas for cost, with a low average annual premium of $390 for minimum coverage.
Ranks No. 4 in Texas for customer satisfaction, falling behind other insurers.
With standout scores in affordability (37/40) and satisfaction (22/25), State Farm rises to the top in the MoneyGeek rankings. The average State Farm policy has an annual premium of just $390.
State Farm shines with its breadth of discounts, offering all four most common discounts: bundling (home, renters, condo or life insurance), good student, multiple car and safe driving. State Farm also offers a suite of other discounts. For instance, its new vehicle discount rewards those with newer cars made in 1994 or later. There are discounts for installing safety features such as airbags and anti-theft systems and for completing a defensive driving course. Additionally, the Daytime Running Lights discount is a very rare and valuable perk for added safety and savings.
Driver age significantly influences car insurance rates in Texas, with different insurers excelling in specific age categories. MoneyGeek found that State Farm (scoring 90 out of 100) is the best option for teens, offering a solid balance of affordability, claims processing and stability for an average premium of $1,226 per year. Texas Farm Bureau is the optimal choice for young adults and seniors, scoring an 85 on MoneyGeek’s scale. It provides competitive annual rates at $932 for young adults and $629 for seniors, coupled with high satisfaction and robust coverage options.
Best for Teens: State Farm
Best for Seniors: Texas Farm Bureau
Best for Young Adults: Texas Farm Bureau
State Farm is the top car insurance provider for teens in Texas. This company excels in offering a combination of affordability, satisfactory claims service and overall stability.
State Farm stands out mainly for its high customer satisfaction and affordability scores. The company has a competitively priced annual premium of $1,226 for insuring a teen driver in Texas, making it a great choice for families seeking to manage their budget. When looking for cheap car insurance for a teen in Texas, it is much more economical to add them to a family policy than for them to have an individual policy.
Car insurance for teen drivers is more expensive in Texas and other states, mainly due to the elevated risk of insuring young, inexperienced drivers. Teens are statistically more likely to be involved in accidents, leading to higher claims costs for insurance companies. Insurers charge a higher premium to offset this risk.
Offers good student, distant student and driver's education discounts.
Ranks No. 1 in affordability, with an average annual premium of $1,226 for full coverage.
Holds the No. 2 customer satisfaction rank in Texas.
Ranks No. 5 in claims satisfaction.
State Farm stands out with a MoneyGeek Score of 90, significantly owing to high affordability and satisfaction scores, 30/30 and 32/35, respectively. The company provides excellent value for its policyholders, accompanied by solid customer approval. It offers two out of three young driver-related discounts — distant student and driver's education — a bonus for families with teens.
With discounts catering to young drivers, State Farm rewards academic excellence with the good student discount and acknowledges students away from home with the distant student discount. Additionally, it offers roadside assistance if your car breaks down and needs on-site attention. Rental car/travel reimbursement coverage ensures that policyholders are not stranded after an accident, covering transportation costs during car repairs. These thoughtful coverages and State Farm's notable discounts make for a robust insurance package for drivers.
MoneyGeek found that Texas Farm Bureau is the best option in Texas for seniors seeking car insurance.
Texas Farm Bureau stands out due to its high satisfaction and affordability scores, significantly contributing to its near-perfect MoneyGeek rating. Cheap car insurance for seniors in Texas costs around $629 per year with Texas Farm Bureau, which is slightly cheaper than the premiums for individuals in younger age brackets.
Offers roadside assistance and rental car/travel reimbursement, ensuring additional peace of mind.
Ranks No. 1 in Texas for affordability, with an average annual premium of $629 for full coverage.
Ranks No. 2 in the state for satisfaction handling claims.
Ranks 7th in Texas for customer satisfaction, indicating room for improvement.
Texas Farm Bureau distinguishes itself with exceptional affordability and satisfaction scores, pivotal to its outstanding MoneyGeek score of 85. Additionally, the company extends essential coverages, including roadside assistance and rental car/travel reimbursement — indispensable for those requiring backup after an accident. Despite lacking some common coverages, its robust scores in other performance areas more than make up for this.
Texas Farm Bureau doesn't offer a senior discount. Still, its competitive rates and other discounts (for anti-theft systems and driver's education) provide substantial savings opportunities for all demographics.
Texas Farm Bureau secures its position by offering valuable protections. Roadside assistance and rental car/travel reimbursement will help when facing vehicle troubles and cover transportation costs after a covered accident. These coverages blend seamlessly with Texas Farm Bureau's high satisfaction score (31 out of 35) and strong affordability score (30 out of 30).
MoneyGeek found that Texas Farm Bureau is the best option for car insurance for young adults in Texas, offering a superior balance of cost and customer satisfaction.
Texas Farm Bureau stands out in MoneyGeek's rankings for its high claims satisfaction and affordability levels, particularly for drivers in their 20s. The company's top scores in these categories contribute significantly to its overall MoneyGeek score. Those seeking cheap car insurance for young adults in Texas will find the cost of a policy with Texas Farm Bureau relatively affordable at $932 per year.
It's worth noting that insurers in Texas and other states typically charge young adults more than older adults for car insurance to account for the increased likelihood of accidents and claims.
Leads in affordability among insurers, with a $932 average annual premium for full coverage.
No. 2 in claims satisfaction statewide.
Ranked No. 7 in Texas for customer satisfaction.
Missing distant student discount from its young driver discount offerings.
Texas Farm Bureau shines in its affordability and claims handling, with 30 (out of 30) and 31 (out of 35), driving its high overall MoneyGeek score. Although the carrier does cater to young drivers with good student and driver's education discounts, it doesn't offer the distant student discount.
Texas Farm Bureau also provides drivers with essential coverages that safeguard their peace of mind on the road. With rental car/travel reimbursement coverage, policyholders can know that Texas Farm Bureau will cover car rental costs if their vehicle is incapacitated due to a covered loss. Roadside assistance offers immediate help like towing, jump-starts and more. These common coverages reflect Texas Farm Bureau's commitment to providing reliable and necessary protection to its members, making it an admirable choice for discerning drivers.
MoneyGeek found that State Farm is the best option in Texas for drivers with driving offenses, offering a balance of affordability and quality service.
Affordability is paramount to drivers with offenses like speeding tickets, at-fault accidents and DUIs on their records. The average annual premium State Farm offers to these drivers is $1,260, showing that cheap car insurance for high-risk drivers in Texas is usually more expensive than it is for drivers without infractions. Offenses like tickets, accidents or DUIs signal a higher likelihood of future claims, prompting insurers to raise premiums to account for this risk.
Ranks No. 2 in Texas for cost among insurers with an average annual premium of $1,260 for a full coverage policy with an on-record driving offense.
Offers roadside assistance and rental car coverage.
Ranks No. 4 in Texas for customer satisfaction.
Lacks accident forgiveness and new car/better car replacement, which are beneficial for more accident-prone drivers.
State Farm's impressive MoneyGeek score of 86 is due to its exceptional customer satisfaction (33 out of 35) and affordability (29 out of 30) scores. The company offers must-have coverages for those with a spotty driving record, including roadside assistance and rental car/travel reimbursement. With an average annual premium of $1,260, State Farm is a cost-effective choice for drivers with offenses.
State Farm's coverage options are a safety net for those with an imperfect driving history. Roadside assistance provides mechanical labor, towing, delivery of gas and more. Rental car/travel reimbursement covers the costs of a rental car when your vehicle is out of service due to an accident. These tailored offerings, strong customer satisfaction and affordability position the company as a leader in the insurance industry.
MoneyGeek found that Allstate is the best option in Texas for drivers with new cars looking for reliable car insurance. We filtered insurers to highlight those that provide new car replacement and/or better car replacement, which are critical when protecting a new vehicle investment.
Allstate stands out primarily because it offers essential coverages that are beneficial for new vehicle owners. With an annual premium of $2,140, Allstate brings quality coverage and ensures peace of mind. Insurers with new or better car replacement options can save policyholders a significant amount after an accident because they compensate for a new car rather than the decreased value of a vehicle after depreciation.
Ranks No. 2 in Texas for customer satisfaction.
Claims handling also scores well, ranking No. 2.
No. 1 for affordability, with an average annual premium of $2,140 for full coverage.
Offers both new car replacement and gap insurance, valuable for new car owners.
Does not provide original equipment manufacturer (OEM) coverage.
Allstate tops the list with outstanding coverage and affordability, scoring 81 out of 100 overall. The company offers new car replacement as an optional add-on, an excellent feature for owners of new cars, providing a comparable new vehicle in the event of a total loss. Allstate's average annual premium is $2,140 for a full coverage policy.
Allstate's new car replacement coverage allows you to replace your newer vehicle without depreciation concerns. This is especially helpful in the first few years of car ownership when depreciation is steepest. This coverage and others, such as accident forgiveness and gap insurance, underscore Allstate's commitment to both comprehensive protection and customer satisfaction, scoring 28 (out of 35) in satisfaction, 30 (out of 30) in affordability, 8 (out of 20) in claims handling and a perfect 10 (out of 10) in coverages.
MoneyGeek found that Texas Farm Bureau is the best option for military car insurance in Texas. The two top providers for military car insurance in Texas are:
Although USAA has a strong reputation among military families, it ranks third in Texas based on our scoring system. For more details on USAA's offerings, visit MoneyGeek's USAA auto insurance review.
Texas Farm Bureau stands out for its superior combination of customer satisfaction and affordability. Its annual premium of $760 highlights the company's commitment to economic value while providing reliable service. Also consider searching for the cheapest car insurance in Texas for military drivers.
No. 2 in Texas for claims handling.
No. 1 in affordability, with an average annual full coverage policy at $760.
Offers rental car/travel reimbursement and roadside assistance coverages.
Customer satisfaction falls short, ranking 8th in Texas.
Does not provide rare coverages such as OEM coverage or gap insurance.
Texas Farm Bureau excels in affordability and claims handling, contributing significantly to its MoneyGeek score of 86. With an average annual premium of $760, Texas Farm Bureau provides exceptional value and contentment to its policyholders.
Texas Farm Bureau offers common coverages like rental car/travel reimbursement and roadside assistance. Rental reimbursement is invaluable when your vehicle is in the shop due to a covered accident, helping to cover the cost of a rental car. Roadside assistance provides help for things like tire changes or jump-starts, which almost any driver might need. Aside from those practical benefits, Texas Farm Bureau's claims handling score of 31 (out of 35) reflects its commitment to customer service, while its affordability score of 30 (out of 30) underscores competitive pricing, ensuring that customers receive quality insurance without financial strain.
Texas drivers deserve the best auto insurance that combines affordability, coverage options and outstanding service. MoneyGeek evaluates insurers so you don't have to, but if you want to make your own selections, we recommend taking the following four steps:
Exceptional customer service is crucial for the support and assurance clients require in times of need. Independent data providers like J.D. Power and the NAIC offer objective evaluations, guiding consumers to top-performing companies. Chubb emerges as the leader in Texas, with perfect customer satisfaction (45) and claims service (30) scores. As drivers evaluate their options, considering service quality is imperative.
Texans looking for car insurance can find substantial savings by comparing quotes, as costs vary widely among providers. While prioritizing affordability, individuals shouldn't compromise on service quality. Independent research tailored to one's personal profile ensures the best deal. With an annual premium of $390, State Farm is our pick for minimum coverage in Texas, striking a balance between cost and coverage.
The granularity of coverage options from insurers can significantly influence protection levels. Look for coverages that align with your driving needs. Progressive, Foremost, Nationwide and Allstate all offer comprehensive coverage options, including rental car/travel reimbursement, roadside assistance, gap insurance and OEM coverage.
A strong financial stability rating is a testament to an insurer's reliability in times of claim settlement. MoneyGeek highlights GEICO, Chubb and State Farm with impeccable 5/5 stability scores, denoting the highest financial strength rating of A++ from AM Best. Such companies assure exceptional financial health and the utmost dependability for their policyholders.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
When searching for the best for cheap car insurance in Texas, State Farm leads with an overall MoneyGeek score of 83. Despite its annual premium for minimum coverage being just $390, consumers should be aware of the limitations such minimum policies present, including potentially substantial out-of-pocket expenses after an accident. For comprehensive protection at a reasonable rate, it is wise to compare full coverage options.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
