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March 18, 2021, 1:28 p.m. EDT

Best cheap car insurance in Texas for 2021

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They say everything’s bigger in Texas, but that doesn’t have to apply to your auto insurance premium. It’s possible to find cheap car insurance in Texas if you know where to look. Texas car insurance rates are slightly more expensive than the national average, but your quotes will depend on your location and driver profile. Texas has everything from large metropolises to the open range, so prices can vary dramatically.

We’ve reviewed the best car insurance companies and will introduce our top five picks for the state of Texas here. The companies below are all great options, but you’ll want to compare car insurance quotes from multiple providers to find the best rate. You can use the free comparison tool below to see prices from leading Texas car insurance providers.

In this article:

  • 5 best auto insurance companies in Texas

  • Cost of car insurance in Texas

  • Texas car insurance requirements

  • How to get car insurance in Texas

  • Our methodology

5 best auto insurance companies in Texas

Here are our top picks for the best cheap car insurance in Texas:

Top Texas Car Insurance Companies Overall Rating Coverage Rating Cost Rating
1. State Farm 8.6 8.5 8.0
2. Geico 9.1 8.5 8.5
3. USAA 9.1 8.5 9.5
4. Fred Loya 6.0 7.0 6.0
5. Texas Farm Bureau Insurance 5.8 6.0 6.0

*Our research team considers nationwide factors when scoring providers. However, the order of providers in this table is specific to car insurance in Texas.

1. State Farm

We rated State Farm as the best car insurance in Texas for its combination of extensive coverage options, strong reputation and reliable claims. State Farm is also the cheapest car insurance provider in Texas on average, and it’s one of the most affordable choices for students.

According to the National Association of Insurance Commissioners (NAIC), State Farm is the most popular Texas car insurance provider with about 16% of the market share . The company has a 1.38 out of 5-star rating from customers on the Better Business Bureau (BBB), but that number is only based on about 200 reviews.

State Farm ranked sixth overall in the J.D. Power 2020 U.S. Auto Claims Satisfaction Study . The company was also ranked in fourth place for the state of Texas in the J.D. Power 2020 U.S. Auto Insurance Satisfaction Study , which measures satisfaction across a variety of categories.

The auto insurer offers 11 standard discounts for car insurance in Texas, plus two app-based programs that can help drivers save money. Drive Safe & Save is a safe driving program that can give you a discount of up to 30%, and Steer Clear is an educational program for young drivers that can give you a discount of up to 20%. State Farm also has the best student discount among leading auto insurance companies with up to 25% off.

2. Geico

Geico is another top provider of car insurance in Texas. The company is known for cheap auto insurance, and many drivers find below-average rates. Since 1936, Geico has grown to become the second-largest car insurance provider in the country and the third-largest in the state of Texas.

Geico has an A+ rating from the BBB with accreditation . The company also came in third place in the J.D. Power Satisfaction Study for Texas, which shows that the majority of Geico drivers have good experiences with customer service and claims. Drivers have 16 different discount opportunities, plus access to a usage-based insurance program called DriveEasy. The program awards discounts based on good driving habits.


USAA provides cheap Texas car insurance to military members, veterans and their immediate family members. According to the U.S. Department of Veterans Affairs, there are over 1.5 million veterans in Texas . The only state with more veterans is California . If you qualify, it can be a great idea to get a car insurance quote from USAA.

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