Best car insurance in Texas for 2025

Bankrate's insurance editorial team knows that choosing the best car insurance company starts with finding the best price. To start our search for the best Texas auto insurers, we analyzed average premium data from Quadrant Information Services for carriers selling car insurance in Texas. We identified five carriers with competitive rates at various levels of service and coverage with competitive Bankrate Scores. 

The five-point Bankrate Score scale is designed to quickly capture how well a given insurer meets customer needs. Coverage options, discount availability, customer service, digital tools and third-party ratings all impact a company's Bankrate Score. 

The Texas Department of Insurance mandates all drivers to carry specific amounts of liability coverage. Texas auto insurers must also offer uninsured motorist coverage, underinsured motorist coverage and personal injury protection (PIP), although these options can be declined in writing. Bear in mind that the state-required minimum coverages might not provide adequate financial protection if you cause a car accident. To better protect your assets, you may want to buy higher levels of liability coverage or full coverage car insurance.

Texas law may not be the only thing that influences how much insurance you need to carry. On top of state requirements, drivers who have leased or financed their vehicles may be required by their financial lenders to carry more insurance. Typically, this entails adding comprehensive and collision coverage to your policy. Because a lender has a vested financial interest in your vehicle, it is common for them to want to ensure that you are protecting their investment. With comprehensive and collision coverage, you are financially protecting your vehicle from additional types of losses.

While looking at financial strength ratings, customer satisfaction scores, average rates and discount offerings are all excellent moves to make throughout your insurance shopping journey, it’s helpful to start by evaluating your own needs. After all, the best car insurance company will depend on what you need from an insurer. If you have a DUI on your record, you may need to look for an insurer that will file an SR-22 on your behalf. Or, if you have multiple speeding tickets on your record, looking into a high-risk insurer may be a smarter move. If you have a newer car, you may want to search for a company that offers features like new car replacement and gap coverage, if you have a loan or lease.

Although there are a handful of companies writing cheap car insurance in Texas, no single company always has the cheapest option all the time for every driver. Every insurer has their own method for determining rates, with each one weighing the various factors differently. Finding the best option for you is easiest if you consider your priorities. For example, if you have prior incidents on your record, you may need to look at high risk carriers to find the best rate. If you have a teen driver in your family, on the other hand, a company with multiple discounts for young drivers may be a better option. If you are retired or work from home, you may benefit most from a company with mileage-based coverage. The best auto insurance in Texas for your needs will be easier to locate once you've identified what's most important for your coverage.

In Texas, every car insurance policy must contain minimum coverage including $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury liability per accident and $25,000 of property damage liability. All policies also include a base amount of uninsured/underinsured motorist coverage and personal injury protection (PIP), but these coverage options can be rejected in writing if the driver chooses. A “full coverage” policy is generally considered one that includes comprehensive and collision coverage — requirements from lenders and lessors — on top of the minimum coverage types and amounts required by law. 

To get a car insurance policy in Texas, you'll need basic information about any drivers in your household, as well as information about your vehicle and current insurance. Have the driver's license numbers ready for all drivers you wish to add to the policy, along with your vehicle identification number, estimated annual mileage and the declarations page of your current insurance. If you plan to set up automatic payments through your bank account, be ready to provide the routing and account numbers.