To find the best auto insurance companies in Texas, we looked at which companies had the fewest complaints compared to their market share size, and their affordability, coverage selection, and savings opportunities are the best.

While Texas law requires all drivers to have some form of auto insurance, the reality is that not all insurers are created equal. Some auto insurance companies do a better job than others when it comes to providing affordable coverage, paying claims, and offering discounts.

To help you choose the best auto insurance company for your needs, we’ve compiled a list of the eight best auto insurance companies in Texas for 2022.

8 best auto insurance companies review:

1. Allstate:

Allstate is one of the best auto insurance companies in the US and has been in business since 1931. In Texas, Allstate offers minimum coverage of $992 and maximum coverage of $1,296.

High-risk drivers could face fines ranging from $5,732 to $10,890.

Allstate is known for its affordable rates, extensive discounts, and excellent customer service. It also offers a wide range of coverage options, including gap insurance and roadside assistance.

Optional coverage

You can also add the following coverage options to your Allstate policy:

1. Medical expenses
2. Insurance for sound systems
3. Assistance on the road
4. Personal umbrella insurance
5. Rental assistance
6. Insurance for ride-hailing services (for rideshare drivers)

Savings and resources

1. New cars, multi-policy, teen drivers, safety equipment, and payment discounts are all available.
2. Drivewise is a telematics program that uses a mobile app to monitor driving behavior and rewards good driving with cash back every six months.

2. GEICO:

GEICO is the second-best auto insurance company in the US and has been in business since 1936. In Texas, GEICO offers minimum coverage of $1,052 and maximum coverage of $1,326.

High-risk drivers could face fines ranging from $5,732 to $10,890.

GEICO is known for its affordable rates and extensive discounts. It also offers a wide range of coverage options, including gap insurance and roadside assistance.

Optional Coverage:

GEICO offers the following optional coverages:

1. Comprehensive
2. Rental Reimbursement
3. Emergency Roadside Service
4. Personal Injury Protection (PIP)
5. Medical Payments
6. Uninsured/Underinsured Motorist
7. Property Damage
8. Roadside Assistance
9. Custom Equipment Coverage

Savings and Resources:

1. Discounts: GEICO offers discounts for bundling insurance products, loyalty, insuring multiple vehicles, vehicle discounts, payment discounts, and teen driver discounts.
2. Accident Forgiveness: GEICO will forgive your first at-fault accident.
3. GEICO Emergency Roadside Service: 24/7 roadside assistance.

3. Progressive:

Progressive is the third-best vehicle insurance company in the US and has been in business since 1937. In Texas, Progressive offers minimum coverage of $912 and maximum coverage of $1,196.

High-risk drivers could face fines ranging from $5,732 to $10,890.

Progressive is known for its affordable rates, extensive discounts, and excellent customer service. It also offers a wide range of coverage options, including gap insurance and roadside assistance.

Optional Coverage:

Progressive offers the following optional coverages:

1. Collision
2. Comprehensive
3. Rental Reimbursement
4. Emergency Roadside Service
5. Personal Injury Protection (PIP)
6. Medical Payments
7. Uninsured/Underinsured Motorist
8. Property Damage
9. Roadside Assistance
10. Custom Equipment Coverage

Savings and Resources:

1. Discounts: are available for safe driving, being a good student and studying away from home, not being involved in an accident, taking a defensive driving course, having vehicle safety features, bundling policies, and insuring multiple vehicles.
2. Save money by driving safely: A telematics option that allows customers to save up to 30% on premiums in exchange for safe driving behavior.
3. The program called “Steer Clear”: New drivers under the age of 25 who have not had any moving violations in the previous three years could save up to 20% on premiums.
4. Tools: include a blog with auto insurance tips and resources, a repair facility locator, and a Simple Insights article library.

4. USAA:

USAA is a military-focused insurance company that offers a wide range of financial services to its members. In Texas, USAA offers minimum coverage of $876 and maximum coverage of $1,152.

High-risk drivers could face fines ranging from $4,814 to $9,620.

USAA is known for its affordable rates, extensive discounts, and excellent customer service. It also offers a wide range of coverage options, including gap insurance and roadside assistance.

Optional Coverage:

USAA offers the following optional coverages:

1. Collision
2. Comprehensive
3. Rental Reimbursement
4. Emergency Roadside Service
5. Personal Injury Protection (PIP)
6. Medical Payments
7. Uninsured/Underinsured Motorist
8. Property Damage
9. Roadside Assistance
10. Custom Equipment Coverage

Savings and Resources:

1. Discounts: USAA offers discounts for bundling insurance products, loyalty, insuring multiple vehicles, vehicle discounts, payment discounts, and teen driver discounts.
2. USAA Emergency Roadside Service: 24/7 roadside assistance.

5. State Farm:

State Farm is the fifth-best auto insurance company in the US and has been in business since 1922. In Texas, State Farm offers minimum coverage of $936 and maximum coverage of $1,224.

High-risk drivers could face fines ranging from $5,732 to $10,890.

State Farm is known for its affordable rates, extensive discounts, and excellent customer service. It also offers a wide range of coverage options, including gap insurance and roadside assistance.

Optional Coverage:

State Farm offers the following optional coverages:

1. State Farm is one of the few companies that offer coverage tailored specifically to the needs of sports car owners.
2. Coverage for teen drivers
3. Rental car insurance
4. Coverage of sports cars
5. Coverage for classic and antique vehicles
6. Commercial auto insurance
7. Insurance for ridesharing
8. Rental car reimbursement
9. Medical expenses
10. Roadside assistance in an emergency

Savings and resources

1. Discounts are available for safe driving, being a good student and studying away from home, not being involved in an accident, taking a defensive driving course, having vehicle safety features, bundling policies, and insuring multiple vehicles.
2. Drive Safe and Save A telematics option that allows customers to save up to 30% on premiums in exchange for safe driving behavior.
3. Steer Clear program: New drivers under the age of 25 who have not had any moving violations in the previous three years could save up to 20% on their premiums.
4. Tools include a blog with auto insurance tips and resources, a repair facility locator, and a Simple Insights article library.

6. Amica Mutual:

While Amica Mutual is not included in the most recent J.D. Power U.S. Auto Insurance Satisfaction Study for the state of Texas, it has been on their list of best auto insurers for 21 years and has been the top auto insurer in New England for eight years.

With Amica, low-risk drivers can expect to pay between $1,056 for minimum coverage and $1,230 for maximum coverage. High-risk drivers, on the other hand, could face fines ranging from $11,397 to $12,384.

These are among the highest premiums quoted by any company on our list. Nonetheless, Amica is one of the few insurers that offers high coverage limits, even for the most basic package, as well as extras like glass replacement and rental coverage.

Optional coverage:

1. Amica also offers the following coverage options
2. Medical expenses
3. Auto/lease protection
4. Assistance on the road
5. Credit surveillance

Savings and resources:

1. Discounts: these are available for bundling insurance products, loyalty, insuring multiple vehicles, vehicle discounts, payment discounts, and teen driver discounts.
2. Accident Forgiveness/Good Driving Rewards: Earn points to lower or eliminate your deductible. Waive the vehicle accident surcharge.
3. Amica Mutual vehicle Connect: Provides quotes for vehicle models you’re interested in.
4. Amica Mutual Contractor Connect: Gain access to Amica’s internal contractor network for home remodeling.

7. Travelers:

Travelers are the seventh-best auto insurance company in the US and have been in business since 1864. In Texas, Travelers offers minimum coverage of $1,024 and maximum coverage of $1,344.

High-risk drivers could face fines ranging from $5,732 to $10,890.

Travelers are known for their affordable rates, extensive discounts, and excellent customer service. It also offers a wide range of coverage options, including gap insurance and roadside assistance.

Optional Coverage:

Travelers offer the following optional coverages:

1. Collision
2. Comprehensive
3. Rental Reimbursement
4. Emergency Roadside Service
5. Personal Injury Protection (PIP)
6. Medical Payments
7. Uninsured/Underinsured Motorist
8. Property Damage
9. Custom Equipment Coverage

Savings and Resources:

1. Travelers provide discounts for bundling insurance products, being loyal, and insuring multiple vehicles, vehicle discounts, payment discounts, and teen driver discounts.
2. Travelers Emergency Roadside Service is available 24 hours a day, seven days a week.

8. Nationwide

Nationwide is the eighth-best auto insurance company on our list and has been in business since 1926. In Texas, Nationwide offers minimum coverage of $1,040 and maximum coverage of $1,360.

High-risk drivers could face fines ranging from $5,732 to $10,890.

Nationwide is known for its affordable rates, extensive discounts, and excellent customer service. It also offers a wide range of coverage options, including gap insurance and roadside assistance.

Optional Coverage:

Nationwide offers the following optional coverages:

1. Coverage gaps
2. Uninsured driver
3. Insurance for antique automobiles

Savings and resources:

1. Discounts are available for having multiple policies, being accident-free, being a good student, passing a defensive driving course, installing anti-theft devices in your vehicle, and signing up for auto-pay.
2. SmartMiles: A pay-per-mile insurance option for those who commute frequently.
3. SmartRide is a telematics program that can help you save up to 40% on your insurance premiums by practicing safe driving habits.
4. Receive a written guarantee on repairs from the On Your Side auto repair network.
5. Claim service on Your Side: Report and review your claim online.

How to save money on Texas auto insurance:

There are a few things you can do to save money on your Texas auto insurance:-

Here are some tried-and-true methods for lowering Texas vehicle insurance rates without sacrificing coverage:

• Save money by comparing vehicle insurance quotes:

Each auto insurer sets its own risk pricing based on its own underwriting guidelines. This means that different companies may quote you very different auto insurance rates for the same types and levels of coverage. Furthermore, some companies provide more coverage for the same price, as well as discounts and perks that could save you hundreds of dollars on vehicle insurance.

Before you buy, compare quotes from various insurers to ensure you’re selecting the same coverage types and levels across companies.

• Get your required coverage:

Whether you live in Texas or elsewhere, most insurers will offer coverage amounts that exceed the state’s minimum liability requirements. Many businesses will also provide coverage other than liability.

Rather than accepting an insurance offer at face value, take the time to understand what your quote includes and objectively assess your needs.

While it is recommended that you purchase more than the minimum liability coverage to avoid out-of-pocket expenses in the event of an accident or total loss, make sure the coverage you are offered is appropriate for the use and value of your vehicle.

Consider dropping optional Collision and Comprehensive coverages if you have an older vehicle that costs more to insure than to replace.

However, if you live in a densely populated city such as Dallas, Houston, Austin, or San Antonio, where your vehicle is more likely to be damaged or stolen, purchasing full coverage may be worthwhile.

• Increase your deductible:

Raising your deductible is one of the most effective ways to lower your vehicle insurance premium. You can save money on premiums by taking more of the risk out of your insurer’s hands and into your own. Of course, this isn’t a viable option for everyone. Choose a deductible amount that you can comfortably afford because you will be responsible for the entire deductible amount in the event of a covered claim.

• Combine and save:

Combining your auto insurance with your homeowner’s or renters’ insurance with the same company could result in significant savings. Most auto insurers provide discounts to customers who purchase multiple types of insurance policies or insure multiple vehicles.

• Improve your credit score:

Many insurers consider credit information when pricing auto insurance policies, according to the Insurance Information Institute. According to research, those who manage their credit well are less likely to file claims.

• Look for discounts and other ways to save

Finally, look for companies that offer a variety of discounts for which you may be eligible. Most auto insurance companies provide discounts based on driving history, vehicle specifications, vehicle usage, and other factors.

Look into companies that offer telematics programs that base your premium on your driving frequency and habits as monitored by apps and other electronic devices if you’re a safe driver or a Sunday driver.

FAQ about best auto insurance companies in texas:

Hopefully this article has helped you in your search for the best auto insurance company in Texas. All the best!