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Last Updated on January 1, 2026
Texas drivers often pay higher-than-average car insurance premiums—especially in large metro areas where traffic density, repair costs, and claim frequency tend to be higher. The fastest way to find a good price is to estimate your own rate (using the calculator above) and then compare quotes from multiple insurers.
Recent nationwide pricing studies typically place full coverage in Texas in the $2,500–$2,800 per year range, while minimum coverage often lands around $780 per year. Your actual price can be dramatically different based on your ZIP code, vehicle, driving record, and coverage choices. Bankrate and Experian both publish recent state-level estimates to give you a general benchmark.
| Minimum Liability Limits | Texas requires 30/60/25 liability coverage (details below). |
| Proof of Insurance | You’ll typically need proof of current liability insurance for vehicle registration actions in Texas. The Texas DMV also runs electronic verification through TexasSure. |
| Uninsured Motorists | Texas has an estimated 14.5% uninsured motorist rate (recent state estimate). |
| Common Add-Ons | Collision & comprehensive, uninsured/underinsured motorist (UM/UIM), personal injury protection (PIP), rental reimbursement, roadside assistance. |
Texas has a competitive auto insurance market, and the “best” company depends on what you value most (lowest price, strong claims handling, broad discounts, local agents, military eligibility, and so on). Below are 10 well-known options to consider—then use the calculator and compare real quotes to find your best fit.
Texas Farm Bureau is a popular choice for Texas drivers who want a strong in-state brand and potentially competitive pricing (availability and eligibility can vary). It’s often worth quoting alongside national insurers.
| Texas Farm Bureau | |
|---|---|
| Company Address | 7420 Fish Pond Road Waco, TX 76710 |
| Phone Number | 1-800-772-6535 |
| Website URL | https://www.txfb-ins.com/ |
GEICO is a common go-to for online quotes and straightforward pricing. If you’re shopping primarily on price, it’s usually worth getting a GEICO quote early in the process to set a benchmark.
Learn more here: does GEICO have the cheapest auto insurance?
| GEICO | |
|---|---|
| Company Address | 5260 Western Avenue Chevy Chase, MD 20815 |
| Phone Number | 1-800-861-8380 |
| Website URL | https://www.geico.com/ |
Republic Group is a lesser-known name compared to the national giants, which is exactly why it can be useful to include in your quote comparison—sometimes regional or specialty carriers price certain profiles competitively.
| Republic Group | |
|---|---|
| Company Address | 4455 LBJ Freeway, Suite 700 Dallas, TX 75244 |
| Phone Number | 1-800-344-2275 |
| Website URL | https://www.republicgroup.com/ |
Progressive is widely available in Texas and is often competitive for drivers who like to customize coverage, explore deductible options, and compare different package configurations.
| Progressive | |
|---|---|
| Company Address | 6300 Wilson Mills Road Mayfield Village, OH 44143 |
| Phone Number | 1-800-776-4737 |
| Website URL | https://www.progressive.com/ |
AAA-affiliated auto insurance can be a strong option for drivers who already value membership benefits (or plan to bundle roadside assistance and insurance). Availability, underwriting, and pricing can vary by region and AAA club structure.
| Auto Club of Southern California | |
|---|---|
| Company Address | PO Box 25001 Santa Ana, CA 92799 |
| Phone Number | 1-888-883-8417 |
| Website URL | https://www.calif.aaa.com/ |
State Farm is a major insurer with a large agent network across Texas. It’s a good pick if you prefer working with a local agent or you want guidance on coverage choices and deductibles.
| State Farm | |
|---|---|
| Company Address | 1 State Farm Plaza Bloomington, IL 61701 |
| Phone Number | 1-309-766-2311 |
| Website URL | https://www.statefarm.com/ |
Nationwide is another national provider worth including in your comparison. Like many large insurers, pricing can be very driver-profile-dependent—great for some, not as great for others—so quotes matter more than reputation alone.
| Nationwide | |
|---|---|
| Company Address | One Nationwide Plaza Columbus, OH 43215 |
| Phone Number | 1-877-669-6877 |
| Website URL | https://www.nationwide.com/ |
USAA is frequently a top choice for eligible drivers because it’s known for strong member satisfaction. The key is eligibility: USAA auto insurance is only available to military members and certain family members.
| USAA | |
|---|---|
| Company Address | 9800 Fredericksburg Road San Antonio, TX 78288 |
| Phone Number | 1-210-531-USAA |
| Website URL | http://www.usaa.com/ |
Allstate is a large insurer with broad coverage options and a strong agent footprint in many Texas areas. It can be a smart quote if you’re bundling home/renters or shopping for robust add-ons.
| Allstate | |
|---|---|
| Company Address | 2775 Sanders Road Northbrook, IL 60062 |
| Phone Number | 1-800-255-7828 |
| Website URL | https://www.allstate.com/ |
Mercury can be worth quoting if you’re shopping multiple carriers and want to compare another established brand—especially if pricing from the biggest insurers comes back higher than expected.
| Mercury | |
|---|---|
| Company Address | 4484 Wilshire Blvd Los Angeles, CA 90010 |
| Phone Number | 1-800-503-3724 |
| Website URL | https://www.mercuryinsurance.com/ |
Texas drivers must meet the state’s financial responsibility requirements, which most people satisfy by carrying auto insurance. For more detail on the rule itself, see: is car insurance required in Texas?
Texas minimum liability insurance limits are commonly written as 30/60/25:
Texas DMV guidance for new residents and registration also references these limits, along with the need to show insurance in common registration scenarios. You can see the state’s language here: TxDMV “New to Texas” and TxDMV “Register Your Vehicle”.
Important: state minimums help you drive legally, but they may not be enough after a serious crash. Many drivers choose higher liability limits and add physical damage coverage. If you’re comparing bare-minimum policies, this guide can help: minimum coverage auto insurance.
| Coverage Type | What It Helps Pay For | Common Texas Choice |
| Liability (required) | Other people’s injuries and property damage when you’re at fault | Often purchased above the minimum for better protection |
| Collision | Repairs to your car after an at-fault crash (or single-vehicle crash), minus your deductible | Common for newer or financed vehicles |
| Comprehensive | Theft, vandalism, hail, animal strikes, weather damage, etc., minus your deductible | Very common in hail-prone areas |
| UM/UIM | Your injuries/property damage if the at-fault driver has no insurance or not enough | Often included unless you reject it in writing |
| PIP | Medical bills and certain losses regardless of fault (up to the policy limit) | Often included unless you reject it in writing |
Texas also has consumer protections around certain coverages being included unless you reject them in writing. For example, Texas law requires insurers to provide UM/UIM coverage unless rejected in writing, and similarly requires PIP unless rejected in writing (see Texas Insurance Code §§1952.101 and 1952.152).
High Texas premiums can come from multiple factors beyond the minimum limits—urban density, claim frequency, repair costs, and more. If you want a deeper dive, see: why auto insurance is so expensive in Texas.
Driving without insurance is illegal in Texas—and it can get expensive quickly. Texas has also historically had a significant uninsured driver problem; recent state estimates put Texas at 14.5% uninsured motorists.
Under Texas law, the fine for a first offense is generally $175 to $350, and subsequent offenses can be $350 to $1,000 (plus court costs and other consequences depending on the situation).
Texas previously had a surcharge program (the Driver Responsibility Program), but it was repealed effective September 1, 2019. Even without surcharges, driving uninsured can still trigger license/registration headaches, a possible SR-22 requirement, and higher premiums later—especially if your insurer views the lapse as higher risk. (This guide explains common reasons premiums jump: top causes of car insurance rate increases.)
A DUI/DWI conviction typically causes a major premium increase because insurers reclassify you as a higher-risk driver. How much your rate changes depends on your insurer, prior record, how long ago the conviction was, and your coverage choices.
If you want a general benchmark on what to expect, start here: how much does insurance go up after a DUI? Then, if you’re trying to keep costs down, this guide may help: cheap DUI/DWI car insurance.
Tip: After a DUI, compare quotes at renewal and consider adjusting deductibles (if you can afford the out-of-pocket cost) to reduce premium.
At-fault accidents can raise your premium for multiple years. Some insurers are more forgiving than others (and some offer “accident forgiveness” on qualifying policies). If you’re unsure how fault impacts your claim and your future premiums, see: what happens with insurance if you’re at fault in an accident?
Tip: If you have an older car, re-check whether collision coverage is still worth the premium, especially after an accident-related rate increase.
Speeding tickets can increase your insurance—sometimes mildly, sometimes significantly—depending on the severity of the ticket, your insurer’s rating rules, and your prior record. If you’re wondering what a single ticket might do to your premium, see: how much will a single speeding ticket increase your rates?
Tip: The best “repair” after a ticket is often time and a clean record. Keep shopping each renewal, because some insurers penalize less than others.
Young drivers usually pay more because insurers see them as higher risk. One of the biggest ways families save is keeping a young driver on a parent’s policy when it’s allowed and practical. Here’s a helpful guide: how long a child can stay on their parents’ auto insurance policy.
Tip: Ask about good student discounts, driver training discounts, and usage-based/telematics programs (if you’re comfortable with the tracking).
Texas law allows insurers to use credit scoring as part of underwriting/rating (with rules against unfair discrimination). That means poor credit can translate into higher premiums for many drivers—even with a clean driving record.
More on the basics here: does credit score affect car insurance rates?
Tip: If credit is hurting your rate, comparison shopping matters even more—different insurers weigh credit differently, and the “best” company can change over time.
An SR-22 is a financial responsibility filing that proves you’re carrying at least the state-required liability coverage. In Texas, SR-22 requirements are commonly tied to serious violations, certain suspensions, or reinstatement conditions.
If you’re trying to understand timing and rules, start here: how long does an SR-22 last? Then, if you’re trying to keep premiums manageable, this may help: is it possible to find cheap SR-22 insurance?
Tip: If you must carry an SR-22, avoid coverage lapses. A lapse can restart the clock and create additional reinstatement issues.
Texas car insurance can be expensive, but there’s still plenty of room to save. Use the calculator to estimate your costs, then compare quotes with the same coverages and deductibles across multiple insurers. Focus on the big levers: safe driving, the right liability limits, smart deductibles, and selecting only the add-ons you actually need.
