Best Texas Auto Insurance: Top Companies in 2022


If you’re looking for the best car insurance in Texas, we recommend comparing quotes from the providers below.

#1 State Farm: Editor’s Choice

JD Power score: 851/1000

AM Best financial strength rating: A++

BBB rating: A+

State Farm is the second most popular provider in Texas after Progressive, according to the National Association of Insurance Commissioners (NAIC). The company has a solid reputation, with high ratings from the BBB and AM Best and an above-average score in Texas in the 2022 JD Power US Auto Insurance Study℠.

State Farm Auto Insurance Coverage

State Farm offers all types of standard coverage options, including:

Beyond that, State Farm offers a wide variety of additional options, including:

State Farm’s usage-based program, Drive Safe & Save™, can help good drivers save up to 30% on their premiums for adopting safe driving habits. The company also offers a young driver training program called Steer Clear.® which gives discounts.

State farm reputation

Geico is the third largest auto insurance company in Texas, according to the NAIC, and it has a solid reputation for customer service. Geico customers in our survey rated the company 4.1 out of 5.0 for overall satisfaction and 4.2 out of 5.0 for complaints service.

However, Geico scored slightly below the average for the Texas region in the JD Power auto insurance study. Our team reached out to Geico for comment on its JD Power rating and mixed BBB reviews, but received no response.

keep reading: Geico Insurance Review

The majority of State Farm customers have a positive experience. In our car insurance satisfaction survey, approximately 19% of respondents were State Farm policyholders. They rated the company 4.2 out of 5.0 for overall satisfaction. State Farm’s claims department received a 4.2 rating, while agent customer service received a 4.1 out of 5.0 rating.

However, State Farm has a rating of nearly 1.2 stars out of 5.0 from BBB customers. Our team reached out to State Farm for feedback on their customer review score, but did not receive a response.

keep reading: State Farm Insurance Review

#2 USAA: Low fares for the military

JD Power score: 885/1000

AM Best financial strength rating: A++

BBB rating: Unclassified

If you are a current or former military member, consider getting a quote from USAA. Our ratings show that USAA offers some of the best rates for those with a clean driving record in Texas, in addition to earning high scores from JD Power and our consumer survey. USAA is available to service members and veterans, as well as their spouses and children.

USAA auto insurance coverage

USAA has all of the same standard options, from minimum liability insurance to full coverage. Beyond that, Texans can also get these types of coverage:

  • roadside assistance
  • Rental car coverage
  • Carpool coverage
  • Classic car insurance
  • Car replacement assistance

USAA reputation

One of USAA’s strengths is that it often scores well in industry customer service studies. For example, it earned the highest score in the JD Power Auto Insurance Study for the Texas region and won the second best score nationwide in the JD Power 2022 US Auto Claims Satisfaction Study℠. In our consumer satisfaction survey, USAA customers rated the company 4.3 out of 5.0 overall.

keep reading: USAA Insurance Review

#3 Texas Agricultural Bureau

JD Power score: 873/1000

AM Best financial strength rating: a

BBB rating: A+

Texas Farm Bureau has offered low-cost auto insurance since 1952. Coverage is available to anyone who joins the Farm Bureau — you don’t have to work in agriculture to become a member. Members also get discounts on new vehicles, car rentals, travel, office supplies, healthcare products and more.

Texas Farm Bureau makes our list because it offers cheap car insurance texas, with personalized service. Its average full coverage annual premiums are about 42% cheaper than the state average, and its average minimum coverage rates are about 46% cheaper.

Texas Farm Bureau Auto Insurance Coverage

Texas Farm Bureau is a small provider, but it offers decent coverage options. It offers standard choices such as third party liability, collision, full coverage, and bodily injury. Apart from these, it also offers:

  • Carpooling insurance
  • rental coverage
  • roadside assistance
  • Death Benefit Coverage

However, customers who want extras like usage-based insurance or classic car coverage may need to look elsewhere.

Texas Farm Bureau reputation

Texas Farm Bureau operates through a network of local agents and has a reputation for providing good customer service. It’s one of the reasons it beat all other mainstream brands in the JD Power Auto Insurance Study for the State of Texas.

#4 Geico: Affordable for most drivers

JD Power score: 843/1000

AM Best financial strength rating: A++

BBB rating: A+

If you’re looking for a wide selection of coverage options, extras, and discounts, Geico might be a good option. The company’s average rates are close to the state average, but it offers plenty of discounts, plus a telematics insurance program for texas drivers to save money. Here are some of the company’s notable discounts:

  • 25% off for military deployment
  • 15% discount for good students
  • 22% discount for good drivers

Geico Car Insurance Coverage

Nothing is missing from Geico’s coverage options. You can get basic liability coverage or go all out with comprehensive coverage and high limits for total protection. Geico also offers extras like these:

  • roadside assistance
  • Trip interruption coverage
  • classic car cover
  • Carpooling insurance
  • Mechanical breakdown insurance

Similar to a extended warrantyGeico’s mechanical breakdown insurance covers specific repairs after your Factory warranty expired. MBI can be useful if your car has higher than average repair costs and does not have a warranty.

Geico reputation

Geico is the third largest auto insurance company in Texas, according to the NAIC, and it has a solid reputation for customer service. Geico customers in our survey rated the company 4.1 out of 5.0 for overall satisfaction and 4.2 out of 5.0 for complaints service.

However, Geico scored slightly below the average for the Texas region in the JD Power auto insurance study. Our team reached out to Geico for comment on its JD Power rating and mixed BBB reviews, but received no response.

keep reading: Geico Insurance Review

#5 Progressive: Low rates for high-risk drivers

JD Power score: 831/1000

AM Best financial strength rating: A+

BBB rating: F

Our final recommendation for the best auto insurance in Texas is progressive. We’re not alone either, as Progressive is the most popular car insurance company in the state, according to the NAIC. It may be a good idea to get an auto insurance quote from Progressive, especially if you have a teen driver or you have DUIs or other marks on your driving record. Our pricing estimates show that Progressive can be an affordable option for high risk drivers.

Graduated auto insurance coverage

As a large insurance company, Progressive offers a wide variety of coverage options. One of them is its accident forgiveness option, which comes in small and large varieties depending on your time in the business. (You can also purchase Major Accident Benefits directly.)

Progressive also offers a usage-based program called Snapshot, which helps safe drivers save money. People who drive carefully, avoid night trips and have low average mileage save the most money.

progressive reputation

Progressive scored 831 out of 1,000 in the JD Power Auto Insurance Study for the state of Texas. That number was slightly lower than the state average of 844. Progressive also scored a respectable 4.1 out of 5.0 for overall satisfaction in our consumer survey, but that was slightly below the 4.2 average for the survey.

Progressive has an F rating on the BBB for failing to respond to 155 complaints and for failing to resolve five complaints. Our team contacted Progressive to comment on its BBB rating as well as its below-average score from JD Power, but did not receive a response.

keep reading: Progressive insurance review

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