Best Car Insurance Companies in Texas

Texas is the second-largest state in the USA, with a dense population in all cities like Dallas, Houston, and San Antonio.

Best Car Insurance Companies in Texas

A heads up, auto insurance isn’t always cheap and easy in Texas. That’s why it’s essential to shop around and compare rates.

Is auto insurance required in Texas?

Texas law mandates the drivers to show proof they have valid insurance for their vehicle. At least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage. Liability coverage pays all that.

The average insurance rates in Texas

The average cost of full coverage auto insurance in Texas is $1,610 per year, or $134 a month. Remember that this number can only give you a ballpark of what you will pay for your car insurance premium. Here are some factors that affect your car insurance rates:

• Age:
  Insurer always charges drivers under 25 with higher premiums because they are inexperienced and more likely to get into a collision than a 30-year-old.
• Driving History:
  Having a staller driving record with good driving behaviors not only lowers your rates but will get you discounts.
• Vehicle:
  Generally, your car model impacts your rate considerably, things like your vehicle’s age, size, and value of your car.
• Annual Mileage:
  If you use your car often, the risk of getting in an accident increases, and as a result, you’ll have to pay more for insurance.
• Gender:
  Statistically, women have fewer and less severe accidents than men, and statistics show that women tend to pay less for car insurance than men.
• Location:
  Your postal code most likely impacts your insurance rates; for example, in an urban area risk of being in an accident or theft is higher, so you have to pay a higher premium than someone living in the suburbs or a rural area.
• Marital Status:
  Statistically, married people have proven to be safe drivers.

The Best Car Insurance Companies in Canada

Best insurance companies in Texas

1. Allstate

   Allstate is an American-based insurance company founded in 1931, and it is headquartered in Northfield Township, Illinois, near Northbrook. Allstate sells home, life, and renters’ insurance as well.
   This company offers the most expensive policies, but it has the highest customer satisfaction and sells its policies over a network of agents. If you want a painless claim process and perfect customer service, try Allstate.

   

2. Farmers

   Farmers Insurance Group (informally Farmers) is an American- based insurer group founded in 1928 headquartered in 6301 Owensmouth Avenue, Woodland Hills, Los Angeles, California, the U.S.
   The positive customer reviews and the policy customization option put Farmers among the top insurers, although you have to pay 14% more than the nation’s average for its flawless customer service.
   Farmers Insurance can be the best choice for customers who like to make their own policy and experience a smooth claim process.

3. GEICO

   The Government Employees Insurance Company, known as GEICO, is an American-based auto insurance company located in Chevy Chase, Maryland, founded 85 years ago in 1936.
   It is the second-largest auto insurer company in the United States. GEICO is ranked second in the United States for customer and claims satisfaction; also, it’s the second company that offers the cheapest rates in the U.S.

   

4. Progressive

   The Progressive Corporation is an American-based insurance company founded on March 10, 1937, headquartered in Mayfield Village, Ohio, USA. With about 84 services, Progressive insurance provides affordable rates and unique programs and discounts that lower your premium.
   This company offers insurance for vehicles, motorcycles, boats, trailers, R.V.s, PWC, commercial vehicles, and home, life, pet. AM Best has given Progressive an A+ for financial strength, and J.D. Power gave this company 830 out of 1000 overall.

5. State Farm

   State Farm is the auto insurance provider in the United States with 99 years of A++ (financial strength rating) service. It was founded in 1922, and its headquarters is located in Bloomington, Illinois, after GEICO State Farm has the cheapest rates and is the best choice for students.

6. Texas Farm Bureau

   Texas Farm Bureau Insurance has been providing insurance to Texans since 1952, and to this day, the company has expanded to cover auto, home, property, farm, life, and health insurance.
   Texas Farm Bureau has 250 offices and employs over 750 multi-line agents statewide. Texas Farm Bureau has managed to maintain A+ services and hold an excellent rating from AM Best for financial strength.
   It has been recognized as best in customer satisfaction in Texas by J.D. Power numerous times.