Best auto insurance in Texas for 2022

USAA, Geico and State Farm stand out in Texas because of their customer service, average rates — gathered by Quadrant Information Services — and overall customer satisfaction, according to the 2021 J.D. Power’s U.S. Auto Insurance Satisfaction Study. insurance ink editorial team also calculated a Score for each provider across these same categories. Each score is out of 5.0 possible points, where a higher score indicates stronger ratings in area.

According to another survey, The best car insurance provider in Texas is State Farm. The best insurers in the state balance customer service, affordability and financial stability. State Farm tied for first for stability and claims and offers the second-most affordable average annual premium for auto insurance in the state. Policyholders pay an average of $924 per year.


Car insurance company	Score	Average annual full coverage premium	J.D. Power customer satisfaction score (Texas)
USAA*	5.0	$1,531	879/1,000
Geico	4.7	$1,389	832/1,000
State Farm	4.7	$1,314	838/1,000
Nationwide	4.4	$1,685	Not rated
Allstate	4.0	$2,578	836/1,000

Table of Contents

USAA

Although USAA receives the highest score in the 2021 J.D. Power study, it is not ranked because it only serves active and retired military members and their eligible families. Nonetheless, for those who qualify, USAA auto insurance is an excellent option. USAA received the highest insuranceink Score on our list due to its excellent customer service, extensive coverage options, financial strength, and competitive average rates. Standard coverage may be combined with optional endorsements such as accident forgiveness or car replacement assistance to create a policy that meets your specific requirements.

Geico

Geico’s insuranceink Score of 2 reflects the company’s excellent customer service, pricing, coverage options, and discounts. You can easily file a claim with Geico online or through its mobile app, which has 4.8 out of 5 stars for the Apple version and 4.6 out of 5 stars for the Android version. Geico offers discounts for airbags, anti-theft devices, accident-free drivers, military members, and multiple policies to its Texas policyholders. Geico, on the other hand, scored lower than the regional average, indicating that customers were dissatisfied with the service they received.

State Farm

State Farm ranks third in the J.D. Power 2021 survey, providing Texans with a variety of standard and optional car insurance coverage types such as emergency road service, car rental, and travel expense coverage. Drivers who prefer to file and track claims digitally may appreciate State Farm’s simple mobile app. If you open a State Farm bank account, you can also use the company’s multifunctional app to make deposits, pay bills, and transfer funds. State Farm’s discounts are fairly standard in comparison to some of the other insurance providers on this list, limiting the number of savings opportunities available to drivers.

Nationwide

Nationwide is known for its innovative programs and broad coverage options for a wide range of needs, budgets, and objectives. You could also take advantage of a variety of discounts and digital resources to assist you in managing your policy. Nationwide had a complaint index of 0.39 for its private passenger auto product, which is lower than the national baseline of 1.0, according to the National Association of Insurance Commissioners (NAIC). As a Texan, you could use features like Nationwide’s “On Your Side” service, which includes a free annual insurance consultation with a licensed agent, to be proactive about tailoring your insurance to your needs. Discounts on Texas car insurance can help you save money by lowering your monthly premiums. Nationwide provides multi-policy, good student, defensive driving, safe driver, anti-theft, and other discounts.

Allstate

Because of Allstate’s large market share, the company employs over 12,000 agents across the country. The strong network of Allstate agents in Texas provides excellent customer service by identifying your local needs and providing you with a car insurance quote that best fits your budget and goals. Allstate’s premiums are among the highest on this list, but you could save money by qualifying for some of the car insurance discounts Allstate provides in Texas, such as multiple policy discounts, new car discounts, and automated payments.

Cheap Car Insurance in Texas – October 2022. Geico offers the cheapest car insurance overall in Texas, with an average rate of $100 per month for full coverage

Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage. Think about buying more liability coverage.

State Farm

The cheapest insurance companies for full coverage in Texas are the same as those for minimum liability: State Farm, USAA and Geico.. State Farm: This is the cheapest insurer overall. A full coverage policy from State Farm costs an average of $1,094 per year.

The best car insurance provider in Texas is State Farm.

The best insurers in the state balance customer service, affordability and financial stability. State Farm tied for first for stability and claims and offers the second-most affordable average annual premium for auto insurance in the state.

As soon as the at-fault driver admits to not having car insurance, involve the police, even if it was a minor crash. Driving without insurance is a crime in Texas that is punishable with a citation, fines and fees of up to $1,100, and the revocation of the driver’s license.