Best & Cheapest Texas Car Insurance as Rated by Customers in 2020
It’s important to know how an insurance company treats their policyholders, and how satisfied their policyholders are with the service they receive. When shopping for car insurance in Texas, you want to make sure your insurance company meets all your needs. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Texas. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Texas car insurance companies.
In the table above, you can sort through all the Texas car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Texas car insurance rankings.
Interested in learning more about one of these Texas car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- Best cheap teen car insurance rates in Texas
- Best cheap car insurance rates for a married couple in Texas
- Best senior car insurance rates in Texas
- 10 Cheapest areas in Texas for car insurance
- 10 Most expensive areas in Texas for car insurance
- Minimum car insurance coverage and limits in Texas
- Texas’s uninsured motorists percentage
Who offers the best teen car insurance rates in Texas?
Out of these five companies analyzed, State Farm offers the cheapest car insurance rates for both male and female teen drivers in Texas.
Car insurance for teens can be expensive! In the table below you can find average Texas teen car insurance rates for male and female drivers for the five largest Texas car insurance companies.
| Company | Female teen rates | Male teen rates |
|---|---|---|
| Allstate Insurance | $1,511 | $1,749 |
| Geico | $2,170 | $2,384 |
| Nationwide | $3,038 | $3,768 |
| Progressive | $3,093 | $3,434 |
| State Farm Insurance Company | $1,256 | $1,534 |
These rates are based on profiles for 18-year-old male and female drivers in Texas. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Texas will differ. Rate data is provided by Quadrant Information Services.
Who offers the best car insurance rates for a married couple in Texas?
Geico offers the cheapest car insurance rates for married couples in Texas out of the five most popular Texas companies.
The table below displays average Texas car insurance rates for a married couple with two cars on a policy for the five largest companies.
| Company | Married couple rates |
|---|---|
| Allstate Insurance | $2,105 |
| Geico | $1,461 |
| Nationwide | $2,131 |
| Progressive | $2,026 |
| State Farm Insurance Company | $1,727 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Texas will differ. Rate data is provided by Quadrant Information Services.
Who offers the best senior car insurance rates in Texas?
Among the five companies analyzed, State Farm is the cheapest car insurance option in Texas for male and female senior drivers on average.
In the table below, you can see average Texas car insurance rates for male and female senior drivers for the five largest companies in the state.
| Company | Female senior rates | Male senior rates |
|---|---|---|
| Allstate Insurance | $1,497 | $1,497 |
| Geico | $1,186 | $1,186 |
| Nationwide | $984 | $1,076 |
| Progressive | $1,156 | $1,189 |
| State Farm Insurance Company | $828 | $828 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Texas will differ. Rate data is provided by Quadrant Information Services.
10 Cheapest areas in Texas for car insurance
There are many factors that help determine your car insurance rates in Texas, including where you live. Texas car insurance rates vary depending on your area. The table below displays the top 10 cheapest areas in Texas for car insurance based on average rates for a single adult.
| Area | Car insurance rates |
|---|---|
| Knickerbocker | $1,211 |
| Sheppard Air Force Base | $1, 216 |
| Goodfellow Air Force Base | $1,218 |
| San Angelo | $1,221 |
| Burkburnett | $1,224 |
| Veribest | $1,225 |
| Little River Academy | $1,235 |
| Belton | $1,235 |
| Water Valley | $1,235 |
| Harker Heights | $1,236 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Texas will differ. Rate data is provided by Quadrant Information Services.
10 Most expensive areas in Texas for car insurance
When looking at the average car insurance rates in areas of Texas, the most expensive area for car insurance is Weslaco followed by North Houston. The table below displays the top 10 most expensive areas in Texas for car insurance based on average rates for a single adult.
| Area | Car insurance rates |
|---|---|
| Weslaco | $1,714 |
| North Houston | $1,711 |
| Linn | $1,699 |
| Houston | $1,686 |
| Galena Park | $1,685 |
| Hufsmith | $1,676 |
| Mcallen | $1,672 |
| Dallas | $1,670 |
| Santa Elena | $1,667 |
| Stafford | $1,664 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Texas will differ. Rate data is provided by Quadrant Information Services.
Minimum car insurance coverage and limits in Texas
In order to be a legal Texas driver, the state requires you to obtain bodily injury and property damage liability insurance. Texas law outlines the minimum requirements for coverage, detailed below. Minimum requirements in Texas are higher than most states, but it’s still important to consider obtaining higher coverage limits to ensure you aren’t underinsured in the event of a costly accident.
Some of the optional coverages that may be required if you’re leasing or financing your vehicle is collision insurance and comprehensive insurance. Collision covers damage to your own car in accidents you’re at-fault for while comprehensive coverage offers protection from damage other than a collision such as vandalism or hail. Did you know that Texas has the most hail-related claims of any state in the country.
Texas state minimum requirements:
Liability:
- Bodily injury — $30,000 per person
- Bodily injury — $60,000 per accident
- Property damage — $25,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Texas’ uninsured motorist percentage
Uninsured motorist coverage is important to consider when buying auto insurance. While this coverage is not required in Texas, it does offer you protection in the event that an uninsured or underinsured driver is at-fault in an accident with you. The percentage of uninsured drivers in Texas is 14.1 — the 16th highest in the United States, according to 2015 data from the Insurance Information Institute.
How car insurance rates are calculated in Texas
When searching and comparing quotes from the best auto insurance companies in Texas, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How to save money on your car insurance in Texas
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Texas car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How Clearsurance rates and ranks the best car insurance companies in Texas
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
Finally, there is also a confidence factor based upon the number of reviews a company has by product. If the total number of reviews is less than 100, then a confidence deduction is applied to the star rating. The maximum impact of this deduction occurs when there are less than 25 reviews. Companies with 100 or more reviews, aged two years or less, receive 100% weighting (no deduction), while companies with 50 to 99 customer reviews receive a weighting of .95%, 25 to 49 reviews receive a weighting of .90% and companies with less than 25 reviews a weighting of .85%.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Car insurance guide
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.