Jerry SummaryGeico is the best car insurance company in Texas for August 2025, according to Jerry’s editorial analysis, thanks to its excellent financial strength rating and minimal customer complaints. Nationwide, Allstate, Progressive, Farmers and Automobile Club of Southern California complete our list of the best carriers in the Lone Star state. To find the best for you, read Jerry’s in-depth insurance reviews and compare quotes from our top picks.
Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Texas. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.
These are the best car insurance companies in Texas:
- Geico is the best car insurance company in Texas overall.
- Nationwide offers the best customer service in Texas.
- Allstate is best for discounts.
- Progressive offers the best cheap car insurance in Texas.
- Farmers is best for loyal customers.
- Automobile Club of Southern California earns an honorable mention for its high customer satisfaction.
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Why you can trust Jerry’s editorial content
If you need cheap car insurance in Texas, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Texas overall: Geico
Why it’s the best: Geico earned the highest Jerry star rating — 5 stars — out of all Texas-based carriers Jerry’s editorial team analyzed. The company’s excellent rating is due to its superior financial strength and few customer complaints. Geico also ranked above average for overall customer satisfaction in Texas, according to J.D. Power’s 2025 Auto Insurance Study.
Texas drivers can get discounts for driving a new car, insuring multiple vehicles, taking a defensive driving course and going accident-free for five years. You may get an additional discount for installing Geico’s telematics app, DriveEasy, on your phone and practicing safe driving habits.
Geico also has a robust and highly-rated app for iPhones and Androids that lets Texans access their policy documents, request roadside assistance, estimate vehicle repairs costs and show proof of insurance.
Best customer service in Texas: Nationwide
Why it’s the best: Not only does Nationwide score a high 4.7 Jerry star rating — thanks to its strong financial strength rating and few customer complaints — but it was ranked No. 1 out of 11 auto insurance companies for overall customer satisfaction in Texas in J.D. Power’s 2025 auto insurance study.
Nationwide offers a multitude of discounts to Texans, including savings for bundling policies, signing up for Nationwide’s telematics program, SmartRide, being a good student and taking a qualifying defensive driving course if you’re over the age of 54. Texas drivers can customize their auto policies with accident forgiveness, roadside assistance and loss of use coverage.
You can manage your policy and file claims online or through the mobile app, and local agents are available across major Texan cities, including Austin, Dallas, El Paso, Fort Worth, Houston and San Antonio.
Best for discounts: Allstate
Why it’s the best: Allstate received a 4.7-star rating from Jerry, making it one of the best-rated insurers in Texas. The company offers a variety of coverage customizations, including rideshare insurance and coverage in Mexico.
Allstate offers a variety of savings opportunities for Texans. Drivers can save with discounts for bundling multiple policies, insuring a student with good grades, driving a vehicle with anti-theft features or paying their bill on time for a year. Good driving habits can help lower your premium through Allstate’s telematics program, Drivewise, which rewards safe driving behaviors.
Best cheap car insurance in Texas: Progressive
Why it’s the best: Progressive offers the best cheap car insurance in Texas, with an average minimum coverage rate of $89 per month, according to Jerry’s data analysis. Progressive also boasts an excellent financial strength rating and few customer complaints.
Discounts may be available for getting a quote online, being a homeowner and paying your premium in full. Teen drivers and good students may also save.
More: Get cheap car insurance the smart way, today
Best for loyal customers: Farmers
Why it’s the best: Farmers offers loyal customers a discount if they stay with the company for a certain amount of time. Texans can also save for being a new customer, going five years with an accident, buying multiple policies and signing up for Farmers’ telematics program, Signal.
The insurer offers plenty of optional coverages for Texans, including roadside assistance, rental coverage and new vehicle replacement if your new car is totaled.
Honorable mention: Automobile Club of Southern California
While not yet rated by Jerry, Auto Club of Southern California was ranked No. 2 out of 11 insurers for overall customer satisfaction in Texas, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Auto Club of Southern California operates under the AAA brand, and you must purchase a membership along with your auto policy. An AAA membership provides roadside assistance, including towing, lockout assistance and flat tire service. Members also receive benefits such as a car-buying service, identity theft protection, and discounted tickets to theme parks like Disneyland and Universal Studios.
Best full coverage car insurance in Texas
AAA offers the best full coverage car insurance rates in Texas, according to Jerry’s data analysis, with an average cost of $108 per month.
Below are the best full coverage car insurance options in Texas, according to quotes for real Jerry customers.
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Insurance Company
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Avg Monthly Quote
|
|---|---|
| AAA | $108 |
| Mercury | $188 |
| Anchor General | $191 |
| Aspire Advantage | $204 |
| Kemper | $208 |
Look beyond the premium to choose the best full coverage car insurance and analyze each provider individually. Beyond policy details, consider how reliable and supportive the insurer is when you need them most. Companies with strong customer service, efficient claims processes and positive online reviews from Texas drivers are often the best choice.
Be sure to research customer experiences and read car insurance reviews to help you feel confident in the company you choose.
Best car insurance for teen drivers in Texas
Aspire Advantage offers the best car insurance rates for teen drivers in Texas, according to Jerry’s data analysis, with an average cost of $278 per month.
These are the best car insurance rates for teen drivers in Texas, based on real policy quotes for Jerry customers ages 16 to 19.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $278 |
| ROOT | $360 |
| The General | $489 |
| Progressive | $520 |
| Dairyland | $602 |
Car insurance companies that recognize and reward positive behaviors are often the best choice for teen drivers in Texas. Many companies provide savings to teenagers with good grades, who finish driver education programs or allow their driving behavior to be tracked through telematics programs.
Buying a policy that promotes responsible habits not only helps protect teens on the road but can also make coverage more affordable in the long run, since rates go down over time when you maintain a clean driving record.
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Texas
Anchor General offers the best car insurance rates for young drivers in Texas, according to Jerry’s data analysis, with an average cost of $174 per month.
These are the best car insurance companies for drivers ages 19 to 25 in Texas.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Anchor General | $174 |
| Mercury | $230 |
| ROOT | $292 |
| Progressive | $302 |
| Safeco | $316 |
Texas drivers under 25 can benefit from policies that reward safe and responsible behavior, since younger drivers are viewed as risky to insure. Many insurers offer discounts for maintaining a clean driving record, completing driver education courses or opting into telematics programs that monitor driving habits.
Choosing a policy that encourages and recognizes good driving can not only improve safety on the road but also potentially lower premiums over time.
Learn more: Car insurance for college students
Best car insurance for seniors in Texas
Progressive offers the best car insurance rates for drivers over 65 in Texas, with an average cost of $149 per month, according to Jerry’s data analysis.
These are the best car insurance rates in Texas for drivers aged 65 and older.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $149 |
| The General | $190 |
| Geico | $198 |
| Safeco | $206 |
| Gainsco | $210 |
Drivers over 65 can find the best car insurance in Texas by choosing a policy that aligns with their driving habits. Seniors who don’t drive many miles can consider pay-per-mile car insurance, which can be a more affordable option for people who rarely drive.
Many insurers also offer discounts to seniors who complete a defensive driving course, which not only sharpens driving skills but can also lower rates.
Learn more: Car insurance for seniors
How to get the best car insurance in Texas
Follow these tips to find the best car insurance in Texas.
Determine your coverage needs. You’ll need at least Texas’ minimum coverage of 30/60/25, but you might want higher liability limits to protect you financially if you cause a bad crash. You might also want to add other coverages. For example, over 14% of Texan drivers are uninsured, according to a 2023 study from the Insurance Information Institute — consider adding uninsured motorist coverage to pay for your own injuries and property damage if you’re hit by one of these drivers.
Texas also experiences major weather events like hurricanes, hail and flash flooding, and full coverage can pay for any vehicle damage after these events.
If you’re unsure of what your policy should include, read Jerry’s guide to how much car insurance you need. You can also read the Texas Department of Insurance’s auto insurance guide.
Research insurance companies. Sites like ours collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy. You can also look for reviews from real Texas drivers on forums like Reddit, or social media posts on Facebook and Instagram.
Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
FAQs
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Who has the best auto insurance rates in Texas?
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What is the best auto insurance in Texas?
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What is the best full coverage auto insurance in Texas?
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.
