10 Best Car Insurance Companies in Texas: When it comes to protecting your valuable assets and ensuring financial security, selecting the right insurance company is of paramount importance.
In the vast landscape of insurance providers, making an informed decision can be overwhelming. Fortunately, in the state of Texas, several reputable insurance companies stand out for their comprehensive coverage options, competitive pricing, and excellent customer service.
In this article, we’ll delve into the top 10 Best Car Insurance Companies in Texas that have consistently earned the trust of their customers.
Top 10 Best Car Insurance Companies in Texas
1. Allstate Car Insurance:
With a range of discounts and features, Allstate stands out as a top car insurance choice in Texas. You can save by bundling policies, insuring a new car, or signing up early.
The company boasts high customer satisfaction, scoring above the industry average in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study.
Allstate offers two usage-based driving options, allowing Texans to pay per mile via Milewise or earn rewards for safe driving using the Drivewise app.
Coverage Types Offered by Allstate Car Insurance:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Uninsured and underinsured motorist coverage
- Personal injury protection (In some states)
2. Amica Mutual Insurance:
Founded in 1907, Amica Mutual Insurance Company holds the title of the oldest mutual automobile insurer in the US. Based in Lincoln, Rhode Island, it’s lauded for strong finances and top-notch service.
Covering auto, home, liability, marine, life, and annuity needs, Amica also includes subsidiaries like Amica Property and Casualty Insurance Company, aiding with distinct insurance requirements.
AM Best rates both Amica Mutual and Amica Life with a stellar A+ “Superior” financial strength rating.
Here are the coverage types offered by Amica Mutual Insurance:
- Auto insurance
- Homeowners Insurance
- Condo insurance
- Renters Insurance
- Motorcycle Insurance
- Wedding and event insurance
- Retirement annuity products
- Flood Insurance
- Pet insurance
- Life insurance
3. Farmers Car Insurance:
Established in 1928 in Los Angeles, California, Farmers Insurance Group is a prominent American insurer offering diverse coverage, including vehicles, homes, and businesses.
Boasting 48,000 agents and 21,000 employees, Farmers stands out for its comprehensive insurance options—ranging from auto and home to life and business coverage.
It pioneered full auto coverage and maintains quick claims and car insurance discounts. Operating as reciprocal insurers-Farmers Insurance Exchange, Fire Insurance Exchange, and Truck Insurance Exchange-each owned by policyholders.
Here are the coverage types offered by Farmers Car Insurance:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP) or medical payments coverage
- Uninsured/underinsured motorist coverage
- Rental car reimbursement coverage
- Towing and roadside assistance coverage
4. Geico Car Insurance:
Established in 1936 by Leo and Lillian Goodwin, GEICO (Government Employees Insurance Company) is an American auto insurance firm.
Originally aimed at federal employees and certain military groups, GEICO is now the US’s second-largest auto insurer, serving 15 million policyholders and over 24 million vehicles.
Providing diverse coverage like auto, home, life, and business, GEICO is renowned for financial strength, speedy claims, and car insurance discounts.
Coverage Types Offered by Geico Car Insurance:
- Liability insurance
- Property damage coverage
- Bodily injury coverage
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Personal injury protection coverage
- Rental reimbursement coverage
5. Liberty Mutual Car Insurance:
Founded in 1912 in Boston, Massachusetts, Liberty Mutual is a global insurer providing a diverse array of services, such as personal auto, homeowners, and commercial coverage.
Functioning as a mutual company, policyholders with insurance contracts are also company stakeholders.
With $156 billion in assets, $128 billion in liabilities, and $48.2 billion in annual revenue as of December 31, 2021, Liberty Mutual operates internationally, often creating subsidiaries in countries where legal mutual benefits can’t be accessed.
Coverage Types Offered by Liberty Mutual Car Insurance:
- Liability coverage
- Medical payments coverage
- Personal injury protection (PIP)
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage
6. Nationwide Car Insurance:
Established in 1926 as Farm Bureau Mutual, Nationwide Mutual Insurance Company now operates as a Fortune 100 entity offering comprehensive insurance and financial services nationally.
Renamed in 1955, it’s currently among the world’s largest insurers and financial providers.
With about 25,000 employees and regional headquarters in Ohio, Arizona, Iowa, and Texas, Nationwide covers an extensive spectrum—auto, motorcycle, homeowners, life, commercial insurance, and more, including annuities.
Here are the different types of car insurance coverage options offered by Nationwide:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Rental car coverage (may be included with comprehensive and collision coverage)
7. Progressive Car Insurance:
Co-founded by Jack Green and Joseph M. Lewis in 1937, Progressive Corporation is a major American insurer headquartered in Mayfield Village, Ohio.
Ranking as the second-largest overall and the largest commercial auto insurer in the US, Progressive excels with a broad range of coverage—auto, home, life, pet, and commercial insurance.
Its standout customer service offers various channels, including round-the-clock phone support, email, online, and a mobile app. With over 13 million active policies in 2023, Progressive stands among the nation’s largest auto insurers.
Here are the different types of car insurance coverage options offered by Progressive Car Insurance:
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Personal injury protection (PIP)
8. State Farm Car Insurance:
State Farm Insurance Companies, with a century-long legacy, presents State Farm Car Insurance. Delivering various coverages like auto, home, and life insurance, State Farm stands out for tailored service and competitive pricing.
With a vast agent network across the US, they prioritize customer needs. This commitment to satisfaction and financial strength has propelled State Farm into a prominent position among the nation’s top car insurance providers.
Here are the coverage types offered by State Farm Car Insurance:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
9. USAA Car Insurance:
Established in 1922 by 25 U.S. Army officers in San Antonio, Texas, USAA (United Services Automobile Association) is an American financial services provider exclusively serving military members, veterans, and their families.
Starting with auto insurance companies, USAA has grown to offer banking, homeowner, renters’ insurance, and more.
Renowned for excellent customer satisfaction, strong financial ratings, and dedicated military support, USAA remains a steadfast resource for the military community.
Here are the coverage types offered by USAA Car Insurance:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured and underinsured motorist coverage
- Personal injury protection (PIP)
- Roadside assistance
- Rental reimbursement coverage
- Gap insurance
10. Texas Farm Bureau Insurance:
Established in 1952 and based in Waco, Texas, Texas Farm Bureau Insurance extends diverse coverage, encompassing auto, home, farm, ranch, life, and health insurance.
With over 850 local agents, 300 claims staff, and 300 offices, it delivers personalized service across the state.
Earning 11 consecutive “Highest Customer Satisfaction Among Auto Insurers in Texas” accolades, the company is lauded by ValuePenguin as a top choice for Texans seeking affordable homeowners insurance and in-person agent interaction.
Coverage Types Offered by Texas Farm Bureau Insurance:
- Auto insurance
- Homeowners Insurance
- Farm and ranch insurance
- Renters Insurance
- Health insurance (through Texas Farm Bureau Health Plans)
- Life insurance
- Dental and vision insurance (through Texas Farm Bureau Health Plans)
How to Choose the Best Car Insurance Company in Texas?
Picking the optimal auto insurance provider in Texas might seem like a daunting task, but securing dependable coverage is absolutely crucial.
Here are several aspects to weigh when making your choice for a car insurance company in Texas:
- Cost-effectiveness: Take the time to compare quotes from various companies, enabling you to identify the most favorable rates that align with your individual requirements.
- Range of Coverage: Opt for a company that presents a comprehensive array of coverage options to cater to your needs, encompassing liability, collision, and comprehensive coverage.
- Customer Support: Make a selection based on a company’s established track record for exceptional customer service, as well as a hassle-free procedure for filing and managing claims.
- Financial Robustness: Prioritize evaluating a company’s financial stability ratings to ensure their capability to fulfill claim obligations without difficulty.
- Discounts: Keep an eye out for insurers that provide discounts for prudent driving habits, holding multiple policies, and other pertinent factors.
How to Get the Best Insurance Rates in Texas?
- Make Comparisons: Obtain quotes from numerous insurance firms to effectively compare rates and the scope of coverage available.
- Bundle Your Policies: Reflect on combining your car insurance with other policies, such as homeowners or renters insurance, to secure a discount.
- Adjust Your Deductible: Opting for a higher deductible can result in lower monthly premiums, though it’s crucial to ensure you can afford the elevated deductible if the need to file a claim arises.
- Sustain Strong Credit: Given that insurance companies frequently factor in credit scores when setting rates, upholding a favorable credit standing can contribute to more favorable rate offerings.
- Practice Safe Driving: Sidestep accidents and traffic infractions to uphold an unblemished driving record, ultimately paving the way for reduced insurance rates.
Best Home Insurance Companies in Texas
Here are some of the top-rated home insurance companies in Texas:
- Chubb: Recognized as the best overall insurance company in Texas for homeowners, Chubb also stands out for being highly affordable.
- Amica: Known for its exceptional service quality, Amica is an excellent choice for homeowners with expensive properties.
- Texas Farm Bureau: If you’re looking to bundle your insurance and secure affordable rates, Texas Farm Bureau is a top contender.
- USAA: For those seeking military-focused coverage, USAA offers tailored options that cater to the unique needs of military personnel.
- State Farm: With a combination of affordable rates and commendable customer service, State Farm is a reliable choice for home insurance.
- Farmers: Among the most budget-friendly options, Farmers stands out as one of the cheapest home insurance companies in Texas.
- Liberty Mutual: Known for offering some of the most competitive rates in Texas, Liberty Mutual provides cost-effective coverage solutions.
It’s crucial to conduct a thorough comparison of quotes and carefully assess your specific requirements when selecting a home insurance company.
While affordability is important, it’s equally vital to consider factors such as coverage options, customer service quality, and the financial stability of the company.
List of Insurance Companies in Texas
| Company | Customer Satisfaction Rating |
Financial Strength Rating
|
| USAA | 4.5 out of 5 stars | A++ |
| Allstate | 4.1 out of 5 stars | A+ |
| American Economy Insurance Company | N/A | A- |
| Amica Mutual | 4.5 out of 5 stars | A+ |
| Care N’ Care Insurance Company, Inc. | N/A | B |
| Chubb | 4.2 out of 5 stars | A+ |
| Cigna Dental Health of Texas, Inc. | N/A | A+ |
| Cigna Healthcare of Texas, Inc. | 4 out of 5 stars | A |
| Delta Dental Insurance Company | 4 out of 5 stars | A+ |
| Direct Auto | 3.9 out of 5 stars | A |
| Farmers | 4 out of 5 stars | A+ |
| GAINSCO | 4 out of 5 stars | A |
| GEICO County Mutual Insurance Company | 3.8 out of 5 stars | A+ |
| Healthspring Life & Health Insurance Company, Inc. | N/A | A- |
| Homeowners of America Insurance Company | N/A | A |
| Liberty Mutual | 4.2 out of 5 stars | A+ |
| Meridian Security Insurance Company | N/A | A- |
| Molina Healthcare of Texas, Inc. | 3.8 out of 5 stars | A |
| Nationwide | 3.9 out of 5 stars | A+ |
| Prudential Insurance | 4 out of 5 stars | A+ |
| Safeco Insurance Company of Indiana | 4 out of 5 stars | A+ |
| State Farm | 3.8 out of 5 stars | A+ |
| Texas Farm Bureau Insurance | 4.3 out of 5 stars | A |
| Texas Independence Health Plan, Inc. | N/A | A- |
| The General | 3.7 out of 5 stars | A- |
| UnitedHealthcare Community Plan of Texas | 4 out of 5 stars | A |