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Best Car Insurance in Texas for New Drivers 2022

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If you are looking for the best car insurance in Texas as a driver, then you should consider getting the cheapest auto insurance company or find a company that offer the right car insurance policy in Texas. However, this post will guide you on everything you need to know about a few number of Texas car insurance companies and their various features which include policy coverage, average rates and customer service ratings so that you now get familiar or closer to the list of the best car insurance in Texas.

Best Car Insurance in Texas for New Drivers 2022

Generally, living in Texas is very expensive but this might not be applicable to your auto insurance premium. In other words, it is possible for you to find the cheap car insurance in Texas if you get the right source. However, Texas car insurance rates are likely to more expensive in price than the national average, but in cases like this your location and driver profile will be determined by your auto insurance quotes. It is therefore important for you to have enough car insurance in Texas to protect you financially and health wise as a driver. 

According to reports gathered from Bankrate’s 2021 study of quoted annual premium, the average cost of Auto insurance in Texas is $1,823 for full policy coverage while national average is $1,674 for its coverage insurance. But on the contrary, you can still get cheap auto insurance policies with full coverage that suits your budget.

Top 5 Best Car Insurance Companies in Texas

The best auto insurance providers in Texas can be rated based on several factors according to 2021 J.D. Power’s U.S. Auto insurance Satisfaction study and reports gathered from Quadrant Information Services. These factors are customer service, average rates and overall customer satisfaction.

Car insurance company  Average annual full coverage premium J.D. Power customer satisfaction score (Texas)
  USAA  $1,344  879/1,000
  Geico$1,339  832/1,000
State Farm  $1,411  838/1,000
Nationwide  $1,362  Not rated
Allstate  $1,705  836/1,000

Source: Bankrate.com

1. USAA

USAA offers cheap Texas car insurance to only active and retired military member, veterans and their family members. Reports gathered from the U.S. Department of Veterans Affairs, over 1.5 million veterans in Texas and more in California. Military personnel or their immediate family who qualify can get a car insurance quote from USAA.

 According to customers who engaged in J.D. Power Surveys, USAA is highly rated by customers and best known for constant customer service and it has a A+ rating from the BBB. USAA offers useful tips to drivers in the military and those who are willing to join the military on guides on deployment, going back home and other military moves. As a driver, you can enjoy other extra insurance options like roadside assistance and rideshare coverage. You can even qualify for up to 12 different USAA discounts. Some of the USAA discounts include low mileage, good student discounts, and multi-vehicle.  

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2. GEICO

Geico is popularly known for cheap auto insurance for many drivers below average rates. Geico is ranked third and as another top provider of car insurance in Texas because of its high quality customer service, discounts, pricing and other coverage options. Geico has a 4.8 out of 5 star rating for the Apple version and 4.7 out of 5 star rating for the Android version because you can now file a claim online using the Geico mobile app.

For drivers in Texas, Gecio offers various ways to policyholders to save money on their car and also offers discounts and other multiple policies which include discounts for airbags, accident-free drivers, anti-theft devices, and military members. In the J.D. Power Satisfaction Study for Texas, Geico came third which indicates that the majority of Geico drivers have good experiences with customer service and claims. Plus, drivers also enjoy amazing discounts based on good driving habits through the Geico DriveEasy.

3. State Farm

According to Marketwatch, State Farm is rated as the best car insurance in Texas because of its combination of comprehensive coverage options, dependable claims and solid reputation. On average, State Farm is also the one of the most affordable insurer for students and cheapest car insurance provider in Texas.

Reports gathered from National Association Commissioners (NAIC) says that State Farm is the most famous Texas Car insurance company with about 16% of the market share with a 1.21 out of 5-star rating from 200 reviews customers according to the Better Business Bureau (BBB).

According to J.D. Power 2020 U.S. Auto Claims Satisfaction Study, State Farm ranked fourth place for the Texas State and it offers various kinds of car insurance coverage policies which include car rental, emergency road service, and travel expense coverage. Plus, if you open the State Farm bank account, you can make of the insurance company’s mobile app to pay bills, transfer funds, and make a deposit.

State Farm offer 11 solid discounts for car insurance in Texas and also help drivers save money via the Drive Safe & SaveTM program, a program that offers a whooping discount of up to 30% for safe and good drivers. The auto insurance company also offers Steer Clear® program to young drivers with a discount of up to 20%.

4. Nationwide

Nationwide is popularly known for its innovative program and other coverage policies for various needs, goals and budget. The insurer offers multiple discounts and digital resources to policyholders to manage their policy. One of the amazing features of this insurance company is that residents of Texas can take advantage of the feature on the platform known as “On Your Side” service to insure your life. This service is Nationwide’s free annual insurance consultation with a licensed agent that will enlighten you on the required information you need on any insurance products you want to buy from the company. Nationwide Texas car insurance discounts can help you save more money by lowering your monthly premiums. Plus, Nationwide offers various kinds of coverage which include good student, defensive driving, anti-theft discounts, multi-policy, and lots more.  

5. Allstate

Allstate offers insurance policies and coverage to policyholder in Texas with a solid network of qualified agents in Texas and over 12,000 agents across the United States. Allstate insurance company is well known in Texas for its great customer service by discovering your local needs and offering you a car insurance quote that meets your budget. When you qualify for some Allstate car insurance discounts offers in Texas, you create an avenue for yourself to save money on your premium and Allstate premiums are known to be one of the highest. Plus, you can also enjoy multiple policy, automated payments and new car discount as a policy holder.

Cost of Car Insurance in Texas

Information gathered from the National Association Insurance Commissioners (NAIC) says that Texas car insurance costs $1,096.82 per year on average. That price is a bit more expensive than National average of $1,004.58 per year. In comparison to other states, Texas is the 14th most expensive states in the U.S. with Louisiana topping the list with $1,443.72 per year.

Is Texas Auto Insurance expensive?

Well, there are many expensive states for car insurance and Texas is one of these states because Texas car insurance policy can also be expensive. This is because there are higher rates of accidents and theft in the urban areas of Texas and in some geographical regions where Natural disaster occurs are likely to increase the prices of car insurance.

However, due to the relatively low population density and vast area in high population, car insurance can be cheap in Texas unlike New Jersey. However, if you are looking for cheap car insurance, it is important you compare the various rates by shopping around from three to four insurance companies. When shopping, several factors may affect your price. This includes location, vehicle, driving history, age and credit score.

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Which Company Offers the Cheapest Car Insurance in Texas?

To know the best Texas car insurance company that offers the best auto insurance is dependent on certain factors which include gender, age, credit score, driving history.

 Cheapest Texas car insurance for drivers with a recent accident

State Farm  $2,500
Farmers  $3,052
Texas Farm Bureau  $3,111
USAA  $3,176
Nationwide  $3,804
Geico  $4,146
Allstate  $7,117

Cheapest Texas car insurance for drivers with poor credit

State Farm  $3,482
USAA  $3,512
Farmers  $3,526
Nationwide  $4,192
Texas Farm Bureau  $5,523
Geico  $5,610
Allstate  $7,002

Cheapest Texas car insurance for drivers with good credit

State Farm  $1,756
USAA  $2,119
Geico  $2,155
Farmers  $2,169
Texas Farm Bureau  $2,402
Nationwide  $2,907
Allstate  $4,729

Cheapest Texas car insurance premium for men

State Farm  $2,576
Farmers  $2,772
USAA  $2,780
Nationwide  $3,634
Geico  $3,776
Texas Farm Bureau  $3,943
Allstate  $6,015

Cheapest Texas car insurance for women

State Farm  $2,375
Farmers  $2,593
USAA  $2,681
Nationwide  $3,396
Texas Farm Bureau  $3,533
Geico  $3,624
Allstate  $5,575

Cheapest Texas car insurance for young drivers

State Farm  $2,806
Farmers  $3,120
USAA  $3,148
Geico  $3,744
Nationwide  $4,067
Texas Farm Bureau  $4,650
Allstate  $7,175

Source: Marketwatch

Requirements for Texas Car Insurance

It is important for you to abide by the state laws irrespective of how safe you drive. There is always a contingency that an accident can happen. That is why the state laws require every driver to always carry car insurance. Texas minimum liability coverage for drivers is currently written as 30/60/25 and it amounts to the following;

  • $30,000 for bodily injury liability per person
  • $60,000 for bodily injury liability per accident
  • $25,000 for property damage liability per accident

Keep in mind that the minimum required liability insurance only covers injuries and property damage you cause to other drivers, not damage to your own vehicle. However, Insurance Companies in Texas must issue a personal injury protection and uninsured/underinsured motorist coverage to Texas drivers must when they request a car insurance quote. If you choose not to buy these coverage types, kindly decline them in writing. Full coverage policies include collision and comprehensive insurance to cover your own vehicle after an accident or non-collision event.

How to Get the Best Car Insurance in Texas

When you are shopping for the best Texas car insurance company, there are certain factors you must put into consideration especially their rates and coverage. It is however important for you to check for the insurer company with the cheapest rates. One of the best ways to get the company with the best policy coverage is by comparing various car insurance quotes from different insurers.

However, according to reports gathered from Marketwatch, State Farm is one of the top recommended insurers in Texas while other like USAA, Geico, Allstate, Texas Farm Bureau are also great options.   

Car insurance discounts in Texas

There are various discounts you can enjoy from your car insurance in Texas. They include the following;

  • Student discounts
  • Telematics discounts
  • Multi-policy discounts
  • Other discounts

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