Texas drivers pay an average of $1,900/yr for full coverage. Above-average rates due to weather risk (hail, floods). Large uninsured driver population.
✅ Avg Rate: $1,900/yr✅ Min Required: 30/60/25k liability📍 SR-22 required after DUI
Best Car Insurance Companies in Texas
#1 State Farm
Best overall in Texas • A++ rated • Local agents statewide
State Farm, GEICO, and Progressive dominate Texas. USAA is top-rated for military. Rates average $1,900/yr for full coverage in Texas.
Texas full coverage averages $1,900/yr. Above-average rates due to weather risk (hail, floods). Large uninsured driver population.
Texas requires minimum 30/60/25k liability. Note: SR-22 required after DUI.
GEICO is generally cheaper on price. State Farm wins on customer service and claims. Always get quotes from both — rates vary significantly by zip code within Texas.
Compare multiple quotes, bundle home and auto, maintain a clean driving record, take a defensive driving course, raise your deductible, and ask about usage-based programs like Progressive Snapshot or State Farm Drive Safe & Save.