Top 10 Texas Car Insurance Companies
Finding the right Texas car insurance for your needs can be confusing. Comparing car insurance rates, discounts, and the reputation of different Texas car insurance companies can leave you wondering if you should just buy a bike. Here are the top 10 car insurance companies in Texas to help you find the best insurance coverage for your needs. Enter your ZIP code and compare the best car insurance companies INSTANTLY!
The information on rates and customer complaints is provided by the Texas Department of Insurance (TDI). Listed rates are based on sample rates submitted by car insurance companies. Actual rates will vary depending on location, age, driving record, and other factors.
AAA auto insurance is a service offered by AAA (“Triple A”), an organization made up of 51 different motor clubs throughout the United States. It has over $100 million in written premiums and covers about 1% of Texas drivers. Its financial rating is A+ (Superior) with A. M. Best, an organization that rates insurance companies by their ability to pay claims.
AAA’s TDI sample rate is $236 annually. Its customer complaint index is higher than average at 2.0598.
AAA auto insurance is offered to AAA customers, so there is an additional fee for membership in the auto club to be eligible for insurance. In addition to the usual discounts, AAA offers roadside assistance for some levels of insurance coverage.
2. Allstate Insurance Company
In business since 1931, Allstate offers life, home, and auto insurance. Allstate has over $300 million in premiums a year and covers 2.72% of Texas drivers. Allstate’s A. M. Best rating is A+ (Superior).
Allstate’s TDI sample rate is $552 annually. Their customer complaint index is lower than average at .8338.
Allstate offers multi-policy discounts, accident forgiveness, deductible reduction, and safe driving bonuses.
3. Amica Mutual
Founded in 1907, Amica is the oldest company to offer mutual auto insurance in the United States. It won the J. D. Powers and Associates award for “Highest in Customer Satisfaction Among National Auto Insurers, 12 Years in a Row.” With over $73 million written premiums in Texas, it covers .55% of the market. Its A. M. Best rating is A++ (Superior).
Amica’s TDI sample rate is $475 annually. Its customer complaint index is average at .9470.
Discounts at Amica include multi-car and multi-policy savings as well as lower premiums for safe drivers. They also offer a Platinum Choice Auto program that includes identity fraud monitoring service, full glass coverage, and other incentives.
4. Farmers Insurance Group
Founded in 1928, Farmers Insurance Group is now the third largest provider of car and homeowners insurance in the United States. In Texas, Farmers does business as Farmers Texas County Mutual Insurance Company. They have over $1 billion in written premiums and cover more than 9% of the insurance market in Texas. Farmers Texas has an A. M. Best rating of A (Excellent).
Farmers Texas’ TDI sample rate is $235 annually. Their customer complaint index is lower than average at .5898.
Farmers offers multi-policy discounts, annual policies to lock in your rates for a full year, and safe driver discounts.
Founded in 1936, GEICO began life as the Government Employee Insurance Company. Expanding to include customers in the private sector as well, GEICO now insures more than 17 million vehicles. In Texas, the company has over $200 million in written premiums and covers 1.83% of Texas drivers. Its A. M. Best rating is A++ (Superior).
GEICO’s TDI sample rate is $423 annually. Its customer complaint index is slightly higher than average at 1.3568.
GEICO offers both online quotes and coverage through local agents. In addition to traditional discounts, GEICO offers special discounts for military personnel and government employees, both active and retired.
Founded in 1912, Liberty Mutual is the fifth largest property and casualty insurer in the United States. With nearly $200 million written premiums, the company serves 1.46% of Texas drivers. Its A. M. Best rating is A (Excellent).
Liberty Mutual’s TDI sample rate is $320 annually. Its customer complaint index is slightly higher than average at 1.3280.
Liberty Mutual offers the traditional car insurance discounts as well as unlimited rentals and new car replacement.
Beginning in 1925 as The Ohio Farm Bureau Federation, Nationwide adopted its current name in 1955. Nationwide has nearly $200 million in written premiums in Texas and serves 1.46% of drivers. Its A. M. Best rating is A+ (Superior).
Nationwide’s TDI sample rate is $349 annually. Its customer complaint index is .0000, indicating that no justified complaints were reported during the time period of the rating.
Nationwide offers multi-car, multi-policy, and accident-free discounts. They also offer optional roadside assistance programs and a 100% repair guarantee when using Nationwide approved repair shops.
Progressive began business in 1937, providing all types of motor vehicle insurance. It has over $1 billion in written premiums and cover roughly 7% of the Texas market. Its A. M. Best rating is A+ (Superior).
Progressive’s TDI sample rate is $352 annually. Its customer complaint index is lower than average at .6470.
Customers can buy insurance through the Progressive website or from an independent agent. Prices on their products vary depending on where the product is purchased. Savings opportunities include safe driver, multi-car, and pay in full discounts. They also offer loyalty rewards to long-term customers such as discounts when adding a young driver.
9. State Farm Insurance
Since 1922, State Farm Insurance has grown to be the largest home and auto insurance company in the United States. It also ranks highest in Texas, bringing in over $2 billion in written premiums and covering 18% of Texas drivers, twice as many as its next competitor. It has an A. M. Best rating of A++ (Superior).
State Farm’s TDI sample rate is $468 annually. Its customer complaint index is lower than average at .5386.
10. USAA Auto Insurance
USAA was founded in 1922 by U.S. Army officers who were unable to find insurance from existing insurance companies. Today the company services both active and honorably discharged members of all branches of service, as well as their families. It has over $400 million in written premiums, serving just over 3% of Texas drivers. Its A. M. Best rating is A++ (Superior).
USAA’s TDI sample rate is $221 annually. Its customer complaint index is below average at .8810.
USAA offers discounts for safe drivers as well as loyalty incentives for customers who stay with the company long term or for children of current customers who purchase a policy from the company. Most of USAA’s business is done by phone or over the internet rather than using local agents.
No matter what car insurance you ultimately decide on, knowing that you took the time to compare the offerings of different companies gives you the assurance that you have found the best coverage for you and your vehicle. Compare car insurance companies by entering your ZIP code below!