Everything is bigger in Texas, but that doesn't mean your auto insurance rate has to be. If you know where to look, you can find low-cost car insurance in Texas. Although Texas auto insurance prices are slightly higher than the national average, your auto insurance estimates will be determined by your region and driving history.
Because Texas includes everything from huge cities to the broad range, costs can vary greatly.
We looked into the best auto insurance providers and will present our top five selections for the state of Texas right here. The firms listed below are excellent choices, but you should compare auto insurance quotes from several companies to obtain the best deal.
Top best auto insurance in Texas
Our top selections for the cheapest auto insurance in Texas are as follows:
Best auto insurance in Texas
Texas Farm Bureau Insurance
Fred Loya, based in El Paso, Texas, is a modest car insurance firm.
It's a Hispanic-owned business that specializes in offering low-cost insurance to high-risk drivers in Texas. The company caters to Spanish-speaking customers and has several sites throughout Texas in Latin American grocery shops.
If you've had trouble getting affordable coverage from other firms, Fred Loya auto insurance might be worth a look. Many drivers in Texas use the company to find low-cost auto insurance.
GEICO is another well-known auto insurance company in Texas.
The company is known for offering low-cost auto insurance, and many drivers can discover rates that are significantly lower than the national average. GEICO has developed from a small car insurance company in 1936 to the second-largest in the country and the third-largest in Texas.
Drivers can take advantage of 16 various discounts, as well as a usage-based insurance program called DriveEasy. The program rewards excellent driving habits with discounts.
State Farm Insurance
We named State Farm the best auto insurance company in Texas because of its wide range of coverage options, solid reputation, and timely claims. State Farm is also, on average, the cheapest auto insurance company in Texas and one of the most cost-effective options for students.
State Farm is the most popular car insurance company in Texas, accounting for around 16% of the market. In Texas, State Farm offers 11 introductory auto insurance discounts and two app-based initiatives to assist drivers in saving money.
Drive Safe & SaveTM is a safe driving program that can save you up to 30% on your insurance, and Steer Clear is a young driver education program that can save you up to 20% on your insurance.
State Farm also offers the best student discount among significant auto insurance companies, offering a 25% discount.
Texas Farm Bureau Insurance
One of the most incredible options for rural households in Texas is Texas Farm Bureau Insurance. Farm Bureau membership is inexpensive (around $100 per year) and comes with additional benefits such as discounts on autos, travel, and technology.
Texas Farm Bureau is regarded for providing basic coverage at a reasonable price.
Standard coverage is available through Texas Farm Bureau Insurance, but it does not include rideshare coverage or high-tech apps. If that's okay with you, getting a Texas Farm Bureau Insurance quotation can be a good choice.
Military members, veterans, and their immediate family members can get low Texas auto insurance through USAA. If you qualify, getting a car insurance quotation from USAA can be an excellent idea. USAA is noted for its reliability.
Customers love it, but it doesn't rank with mass-market brands because it's only offered to a restricted set of drivers. Because USAA works with military personnel, it offers several benefits, including deployment, military relocation, and transitioning back home guides.
You may be eligible for up to 12 different USAA discounts, including multi-auto, low mileage, and good student discounts, depending on your status. Extras such as roadside assistance and ridesharing coverage are also available to drivers.
In Texas, State Farm is our top pick for auto insurance. GEICO, USAA, Fred Loya, and Texas Farm Bureau Insurance are also excellent choices. Whether you're just looking around or need to obtain car insurance right away, comparing different car insurance rates is the best way to go.
Because each supplier considers various factors in your profile, you may obtain pricey prices from one firm and low rates from another.
What are the car insurance requirements in Texas?
It's always possible to cause an accident, no matter how good of a driver you are. As a result, most state laws require drivers to have auto insurance. Texas imposes $30000 in bodily injury liability per person, $60000 in bodily injury liability per accident, and $25000 in property damage liability as a state minimum. The state's liability coverage requirements are written as 30/60/25.
Liability insurance is only necessary to cover injuries and property damage to other drivers, not damage to your car. Uninsured motorist coverage (UM), underinsured motorist coverage (UIM), and personal injury protection (PIP) are all optional coverages that you can decline in writing.
Collision and comprehensive insurance are included in whole coverage policies to cover your car in the case of an accident or other non-collision occurrence.
Why is auto insurance in Texas so expensive?
A Texas car insurance coverage can be costly, even if it isn't the most expensive in the country. Because of a higher likelihood of accidents and theft, urban locations in Texas may be more expensive than the state average. Natural catastrophes also raise the cost of auto insurance in some areas.
Texas has a large population in total numbers, but it is spread out over a large territory with a low population density. This is one reason why auto insurance in Texas is less expensive than, say, insurance in New Jersey.
If you're only finding expensive auto insurance rates in Texas, shop around and get quotes from three or four different companies to see if you can get a better deal. Your age, car, location, driving history, and credit score can all impact the amount you pay.