If you’re looking for information on Texas car insurance, then you’ve come to the right place.


Whether you live in San Antonio or Dallas, car insurance in Texas is required for all drivers. But what coverage do you need, is minimum coverage enough, and where can you get the best car insurance in Texas? We researched the ins and outs of Texas car insurance to help you make an informed decision about what kind of coverage and which insurance company to select.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Enter your zip code in our tool below to start comparing personalized car insurance quotes. You can also call our team at (855) 518-0148.


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The Best Car Insurance Options In Texas

With over 15 million licensed drivers on Texas roads and over 25 options for car insurance in Texas, it’s may seem hard to make a decision. But it is important to arm yourself with quality information so you can choose the best possible coverage and stay safe on the road. 

We have laid out three companies in Texas that stood out against the rest. We researched providers based on price, overall customer satisfaction, and coverage options available in Texas, and the following companies came out on top.


Best Texas Car Insurance Our Overall Rating Customer Service Grade Affordability Coverage

1. Texas Farm Bureau Car Insurance





2. State Farm Car Insurance





3. Geico Car Insurance





*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Texas. 


Texas Farm Buruea Insurance logo

Texas Farm Bureau

Based in Waco, the Texas Farm Bureau Insurance has provided insurance to Texans since 1952. Today the company handles auto, home, property, farm, life, and health insurance for over 300,000 Texas customers and their families. Texas Farm Bureau has 250 offices statewide and employs over 750 multi-line agents.

Texas Farm Bureau holds an amazing reputation. In fact, the company is fully accredited by the Better Business Bureau (BBB) and maintains an A+ rating. It also holds an Excellent rating from AM Best and has been recognized as best in customer satisfaction in Texas by J.D. Power for eight consecutive years.

Texas Farm Bureau offers the following standard Texas auto insurance coverages:

  • Bodily injury and property liability coverage
  • Collision and comprehensive damage coverage
  • Personal injury protection and medical payments
  • Uninsured or underinsured motorist coverage

Additionally, Texas Farm Bureau offers:

  • Roadside assistance and towing coverage
  • Auto death indemnity coverage
  • Rental car reimbursement

Regarding pricing, the provider comes in as the cheapest car insurance in Texas, according to J.D. Power. The 2019 U.S. Auto Insurance Study found that Texas Farm Bureau had an average annual premium of $926, which is lower than average. Texas Farm Bureau also offers discounts for multiple policies or cars, safe driving, and more.

Although Texas Farm Bureau doesn’t offer online quotes, you can obtain a quote over the phone at 800-772-6535 or from the nearest Texas Farm Bureau agent. To file claims, you can reach out online, call the 24/7 claims line, or contact your agent.


Pros Cons
The largest car insurance provider in the state

Does not offer online quotes

Reasonable coverage

Need to be a member of the Farm Bureau

Lower-than-average rates  
High ratings from industry leaders  

To learn more about the car insurance provider, check out our review of the Texas Farm Bureau.



State Farm Insurance logo

State Farm Car Insurance

With nearly a century of experience, State Farm is the largest provider of Texas car insurance. It has over 380 local agents available throughout the state. 

The company started with founder George J. Mecherle, who sold his first auto insurance policy in 1922. Today, State Farm is a national name that not only sells car insurance, but also homeowners insurance, renters insurance, and life and health insurance, plus many other products. Although State Farm’s national headquarters stands in Bloomington, Illinois, the company employs local agents across the United States and provides coverage in all 50 states.

State Farm holds an A+ BBB rating and numerous awards and accolades. It has a superior financial strength rating from AM Best, and according to the National Association of Insurance Commissioners (NAIC), State Farm receives "fewer than the median number of complaints to state regulators relative to its size for auto, home, and life insurance."

State Farm offers the same basic coverage options as Texas Farm Bureau, and it has a number of discounts available for customers that can help offset the cost difference in comparison to other insurance companies. The provider also has great perks, including:

  • Online quotes and purchase options for most coverage policies
  • A mobile app that provides policy info, roadside assistance, and a place to submit claims
  • Rideshare insurance policies in most states
Pros Cons


Does not offer accident forgiveness

Customers report strong claims and service experience


Good for students and young drivers


Discounts for bundling several types of insurance 


To learn more about the car insurance provider, check out our review of State Farm car insurance.



Geico Insurance logo

Geico Car Insurance

Geico is one of the largest car insurance companies on the market. It offers extensive online resources for its customers, as well as an amazing smartphone app, and is a great choice for car insurance in Texas.

In addition to all of the standard car insurance coverages, Geico has several add-on policies, including mechanical breakdown insurance and rideshare coverage. Additionally, Geico offers accident forgiveness and substantial discounts, making its already industry-low rates even more impressive.

One of the largest appeals of Geico is its state-of-the-art online tools and mobile app. Although many companies offer these now, Geico continues to prove itself as top-of-the-line when it comes to ease of service with both.

Pros Cons


Average quote experience

Second largest company in the nation


Good for students


Good for military


To learn more about the car insurance provider, check out our Geico review.

If you are looking to get a quote from one of our top recommended insurance providers, enter your zip code in the tool below to cut through the clutter and help find the best quote for you. You can also call (855) 518-0148 for free insurance quotes.



An Overview Of Texas Car Insurance

To legally drive a vehicle in Texas, you must carry auto insurance. In fact, the minimum requirements in Texas are actually more intensive than in many other states, however some types of coverage are optional.

But before we dive into minimum requirements, it’s important to know all the insurance lingo. Essentially, there are five types of car insurance coverage that most car insurance companies include in their policies. Each one also comes with price ranges that vary by state. Here’s a basic summary of these types of car insurance:

Insurance Type Range of Mandatory Limits Who and What It Benefits
Bodily Injury Liability (BI) $15,000–$50,000/person


Another driver's injuries
Property Damage Liability (PD) $5,000–$25,000/accident Another driver's car or other property damages
Uninsured Motorist BI



Your injuries (if other driver is uninsured)
Uninsured Motorist PD $5,000–$25,000/accident Your car/property (if other driver is uninsured)
Personal Injury Protection (PIP) and Medical Benefits $1,000–$50,000 Your injuries and your passengers’ injuries

What Car Insurance Is Required By Law In Texas?

Each state has individual laws that govern the minimum requirements for car insurance coverage. A multitude of factors determine why each state sets specific minimum requirements, but often these rules are impacted by accident report history and the demographics of each state’s citizens. This is what you need in Texas:

Insurance Type Required Coverage Amount in Texas
Bodily Injury Liability $30,000 per person and $60,000 per accident
Property Damage Liability $25,000 per accident
Personal Injury Protection Optional; state requires that providers offer at least $2,500
Uninsured Motorist Bodily Injury Optional; state requires that providers offer at least $30,000/person and $60,000/accident
Uninsured Motorist Property Damage Optional; state requires that providers offer at least $25,000 with a $250 deductible
Collision and Comprehensive Optional

When Do I Need To Provide Proof Of Insurance In Texas?

Texas drivers are required to provide proof of insurance at the following times:

  • When registering a car or renewing vehicle registration
  • When completing a required vehicle inspection
  • When completing certain transactions related to your driver’s license
  • When pulled over by law enforcement

What Happens If You Don't Have Car Insurance In Texas?

Drivers in Texas can face some serious fees and penalties if caught driving without car insurance. If law enforcement officials pull you over for any reason and you cannot show proof of insurance, you will face a fine of $175–$350. Furthermore, you’ll be required to pay an uninsured motorist surcharge of $250 for three years upon license renewal.

Even first-time offenders face rate increases on their insurance coverage as a result of this one infraction. Repeat offenders can face fines up to $1,000, potential vehicle impounding, and other legal fees.



What Is The Average Cost Of Car Insurance In Texas?

Compared to the national average, car insurance in Texas can seem expensive. According to the NAIC, the cost of Texas car insurance was $1,096.82 in 2017, while the national average was $1,004.68. Here’s a breakdown of the coverage costs that year based on data from the Insurance Information Institute:

Type of Coverage Average Annual Expenditure in 2017
Liability coverage $631.22
Collision coverage $430.54
Comprehensive coverage $234.17
Total cost $1,096.82

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

Why Are Texas Car Insurance Rates So High?

The fact that Texas has such a large population is just one of the reasons why Texas has insurance higher than the national average. Here are a few more factors that affect the state’s insurance prices:

  • More than 14 percent of Texas car owners drive without insurance, according to the Neal Davis Law Firm.
  • According to the AARP, the rural landscape of Texas means that drivers spend an average of 26 minutes per day commuting, with less than 3 percent of Texans using public transportation for commuting purposes.
  • Backgroundcheck.org ranks Texas with the 11th worst DUI rate in the country, while WorldAtlas reports Texas as having the 6th highest number of car accidents in the country.

SR-22 Coverage

If you receive a DUI conviction in Texas, state law requires that you provide proof of Texas car insurance with a form known as an SR-22. Your insurance company sends this form directly to the Texas Department of Public Safety so your license can be reinstated. Expect to pay more for Texas car insurance after a DUI conviction.

Rates can change day by day. We recommend getting multiple quotes that are personalized to your location and driving history. The tool below is easy to use, but for an even easier process, you can call (855) 518-0148.



Is Minimum Car Insurance Coverage Enough?

Many drivers choose minimum coverage because it seems like the most affordable option. However, it’s important to consider all the factors before settling on minimum coverage.

Accident Rates in Texas

According to the Texas Department of Transportation, there were 12,161 serious injury crashes in Texas in 2018, with 14,908 people total sustaining serious injuries. Drivers in Texas report accidents every 58 seconds, and the Department of Transportation claims that there were no deathless days on Texas roadways in 2018.

With 14 percent of Texas drivers not carrying insurance, there’s a chance that you could be the victim in an auto accident and not have the coverage you need if you only carry the state’s minimum coverage.

Repair Costs In Texas

Texas car insurance laws only require drivers to carry a minimum of $25,000 in property damage coverage. In a multi-vehicle wreck where you are at fault, you can easily exceed this maximum payout. Common body repairs, even cosmetic ones, can quickly add up.

  • Bumper damage: As much as $1,500
  • Door damage: As much as $1,000
  • Paint damage: As much as $7,500


What To Consider When Looking For Texas Car Insurance

1. How much coverage do you need?

As we mentioned above, the Texas car insurance minimum requirements may not fit your needs. For example, if you’re driving a vehicle under loan or lease, you will probably need full coverage auto insurance. Also, if you own a luxury vehicle, the minimum Texas auto insurance might not include enough coverage for more costly repairs.

Keep in mind that no car insurance company covers repairs caused by manufacturer defects. If you want protection against breakdowns, you might be looking for an extended car warranty.

2. What’s your driving record like?

Your driving history will definitely impact your insurance rates, and Texas has a fairly harsh drivers license points system. In fact, it can take years to clear your record of a major violation. If you have an extensive record, do your homework on which insurance companies are best for people with poor driving records.

3. What discounts can you get?

Most car insurance companies offer discounts to drivers for a multitude of reasons. See where you can stack them to maximize your savings. Also, if you need multiple types of insurance, consider choosing companies that offer a variety of services so you can get a multi-policy discount.



Final Thoughts On Car Insurance In Texas

You will need at least bodily injury and property damage liability with your Texas car insurance policy. Due to the excessive DUI rates in the state, high average time spent on the road, and high number of uninsured motorists, expect to pay more than the national average. However, if you shop around and collect car insurance quotes from a few highly rated providers, you can still get cheap car insurance in Texas with great coverage.

Enter your zip code in the tool below or call (855) 518-0148 to collect and compare car insurance quotes from providers available in your state:


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