Best Car Insurance in Texas for 2026

Car insurance costs vary based on several factors. In Texas, the monthly cost of full coverage auto coverage is $206, compared to the national average of $186. However, you could pay significantly more if you live in one of the bigger cities.

Key takeaways

The best car insurance carriers in Texas by FinanceBuzz star ratings are Allstate, USAA, Progressive, and GEICO.
Texas drivers with a clean driving record pay an average of $206 per month for full coverage car insurance.
People in Houston are likely to pay an average of $268 a month for full coverage policies.

Best car insurance companies in Texas

The average cost of full coverage car insurance in the U.S. is $186 a month. In Texas, however, drivers with clean records will likely pay an average of $206 monthly. There are numerous auto insurance providers operating in Texas, ranging from major national companies like State Farm, Liberty Mutual, and Progressive to smaller carriers such as Mile Auto and Mercury. While the chart below highlights a selection of insurers and their average rates, it represents only a portion of the options available. To find the coverage and pricing that best fit your needs, it's important to compare quotes from multiple providers and evaluate each policy based on your individual circumstances.

Provider	FinanceBuzz Star Ratings	Estimated monthly full coverage	Estimated monthly minimum liability coverage
Mercury	4.2 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$138	$86
State Farm	4.8 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$85	$43
USAA	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$152	$77
Progressive	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$117	$63
Allstate	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$120	$61
GEICO	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$147	$70

Mercury

Mercury Insurance is a regional auto insurer that operates in 11 states, including Texas. Mercury can be an affordable option for drivers looking for standard coverage, and it stands out for offering some less-common features like mechanical protection coverage and usage-based savings programs. However, the company received a lower FinanceBuzz star ratings score than several competitors.

Pros

Discount opportunities through bundling, safe driving, and telematics programs
Typically a lower-than-average premium for full coverage

Cons

Fewer digital tools and online features than larger national insurers
Inconsistent claims and customer satisfaction

Get a quote now | Mercury review

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State Farm

State Farm typically offers competitive rates and a wide range of coverage options. It could be a strong choice for safe drivers, students, and households looking to bundle policies. However, rates can vary significantly based on driving history and location, and some coverage options offered by competitors are unavailable.

Pros

Nationwide network of local agents
Extensive discount opportunities

Cons

Only offers standard policies in Texas, with few specialty options
You may need to work directly with a local agent for a quote

Get a quote now | State Farm review

USAA

USAA is an excellent option for military members, veterans, and eligible family members thanks to its affordable rates, strong coverage options, and military-focused benefits. USAA offers multiple coverage options for those who qualify, though you may find cheaper options elsewhere.

Pros

Highest FinanceBuzz star rating, along with Allstate, Progressive, and GEICO
Offers multiple car insurance options

Cons

Only available to current and former military members and their families
You may find more discounts and specialty policies with other carriers in Texas

Get a quote now | USAA review

Progressive

Progressive is one of the largest auto insurers in the U.S., known for competitive pricing, flexible coverage options, and tools like Name Your Price® and Snapshot®. Progressive may be a strong choice for drivers seeking affordable coverage, particularly those with accidents, tickets, or other driving violations on their record, or for those looking to bundle policies. It also scored the highest FinanceBuzz star rating available, along with Allstate, GEICO, and USAA.

Pros

Wide range of discounts and coverage selection
Helpful digital tools

Cons

Roadside assistance and certain coverages cost extra
Young drivers and drivers with poor credit may still face relatively high premiums

Get a quote now | Progressive review

Allstate

Allstate is a nationwide auto insurer known for its extensive agent network, broad coverage options, and numerous discount programs. Allstate typically offers competitive rates for some driver profiles and provides unique features like Drivewise®, Milewise®, and Deductible Rewards. However, some optional features come with additional costs. It received FinanceBuzz's highest available star rating, along with USAA, Progressive, and GEICO.

Pros

Offers a wide range of discounts and unique savings programs
Large network of local agents

Cons

Premiums can be higher than many competitors
Policies are only offered in six-month terms

Get a quote now | Allstate review

GEICO

GEICO is best known for its affordable rates, nationwide availability, and easy-to-use digital experience. It could be a strong option for budget-conscious drivers, military members, federal employees, and those looking for a straightforward online insurance experience. While GEICO excels in pricing and convenience, it offers fewer coverage add-ons than some competitors, but did receive the highest available FinanceBuzz star rating, along with Allstate, Progressive, and USAA.

Pros

Highly rated mobile app and online tools
GEICO offers some specialty policies, including assisting with trips to Mexico

Cons

May not have as many local agents as other national carriers in Texas
Some drivers may qualify for lower premiums with another insurer

Get a quote now | GEICO review

Texas auto insurance requirements

Texas law requires that all drivers have minimum auto insurance coverages of:

$30,000 liability coverage for injuries per person
$60,000 liability coverage for injuries per accident
$25,000 liability for property damage

How to choose a car insurance provider in Texas

If you're looking for a new insurance provider in Texas, consider the following:

Get multiple quotes: While you might be tempted to get a couple of auto insurance quotes and make a decision, it can pay to request multiple quotes from different carriers. Not only do you get to see the coverage options available, but you can be sure you're getting the best price and discounts.
Check for a license: Not every insurance carrier has a license to operate in every state. Check with the Texas Department of Insurance to find out which companies are licensed and to find the number of customer complaints received compared to the number of policies it issued.
Look for financial stability: Before you sign up, research a company's financial strength to gain insight into its ability to pay claims. To understand their financial capabilities, look for financial ratings on websites like A.M. Best or Standard & Poor's.

How much does car insurance cost in Texas?

The average cost of car insurance in Texas is $206 per month for full coverage, and the state minimum coverage averages $110. However, the cost of car insurance can vary dramatically based on factors like age, the type of car you drive, and even the city you live in.

For example, drivers in Austin pay an average of $211 monthly for full coverage, while residents of Houston spend an average of $268 a month.

Texas car insurance rates by city

Texas drivers may pay more than the state average in some big cities with more crime or vandalism. People in Houston and Dallas are likely to pay the most for auto insurance, with bills averaging several hundred dollars more a year than in other parts of the state.

City	Avg. monthly full coverage premium
Houston	$268
Dallas	$233
San Antonio	$214
Fort Worth	$205
Austin	$211

What to know before driving into Mexico

Driving to Mexico requires extra preparation, especially for insurance and documents. U.S. auto insurance policies generally do not meet Mexico's legal requirements, so drivers must purchase liability coverage from a Mexican insurance company to be protected while driving there. Travelers should also carry proper paperwork, such as a valid license, registration, and possibly permits for extended travel. Planning ahead helps ensure a smoother, legally compliant, and safer driving experience in Mexico.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.Learn more about how FinanceBuzz evaluates car insurance carriers based on factors like pricing, customer experience, financial stability, and overall value.

FAQs

What are the minimum car insurance coverage requirements in Texas?

In Texas, the law requires that drivers carry a minimum of $30,000 liability coverage for injuries per person, $60,000 per accident, and $25,000 liability for property damage. Find out more about Texas car insurance requirements in our full breakdown.

How much does car insurance cost in Texas?

Car insurance in Texas costs an average of $206 a month for full coverage or $110 for the state minimum coverage.

Which car insurance companies cover Texas?

Many companies offer car insurance in Texas, including national carriers like State Farm, Allstate, GEICO, and Progressive, as well as some smaller carriers such as Mercury, Mile Auto, and Root.

Data throughout provided by Insurify.

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