When you’re driving on the Lone Star State’s open roads and large highways, you’ll want to be covered by the best car insurance possible. But finding the best policy can be a daunting task, so we did the work for you.

Check out our ranking of the best car insurance companies in Texas below, based on factors like customer satisfaction, ease of use, coverage offered and discounts available.

If you’re looking for the most affordable car insurance, take a look at NerdWallet’s rate analysis of the cheapest car insurance in Texas.

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ZIP Code
94103
The best car insurance in Texas
A great auto insurance company offers quality coverage and discounts while still providing strong customer service and satisfaction. NerdWallet looked at 30 auto insurers in Texas to narrow down the best options.

Below are the best car insurance companies in Texas. Amica and Texas Farm Bureau came out on top, but we’ve included a total of 10 auto insurers with a NerdWallet star rating of 4.5 or higher.

Company

Star rating

Amica

5.0NerdWallet rating 
Texas Farm Bureau

5.0NerdWallet rating 
Allstate

4.5NerdWallet rating 
Farmers

4.5NerdWallet rating 
Geico

4.5NerdWallet rating 
Liberty Mutual

4.5NerdWallet rating 
Progressive

4.5NerdWallet rating 
State Farm

4.5NerdWallet rating 
Travelers

4.5NerdWallet rating 
USAA*

4.5NerdWallet rating 
*USAA is available only to military, veterans and their families.

» MORE: The best auto insurance companies

Amica
5.0NerdWallet rating 
Amica’s high customer satisfaction and coverage offerings make it one of the best car insurance companies in Texas. The company ranked among the best companies in a 2021 J.D. Power U.S. Insurance Shopping Study, plus Amica has fewer than the expected number of complaints to state regulators. You can take advantage of the variety of car insurance discounts offered, plus manage your policy with Amica’s mobile app.

» MORE: Amica auto insurance review

Texas Farm Bureau
5.0NerdWallet rating 
Headquartered in the city of Waco, Texas Farm Bureau is one of the best car insurance companies in the state for good reason. The company was ranked highest in the Texas region in a 2021 J.D. Power U.S. Auto Insurance Study for overall customer satisfaction. It also has fewer than the expected number of complaints to state regulators for a company of its size.

Texans can save on their policy with a variety of discounts, including discounts for insuring multiple cars and practicing good driving habits. Plus, you can easily access your policy and ID cards online.

» MORE: Texas Farm Bureau auto insurance review

Allstate
4.5NerdWallet rating 
Allstate offers a variety of discounts and features, making it one of the best car insurance companies in Texas. The company also has strong customer satisfaction. It ranked above average in a 2020 J.D. Power U.S. Auto Claims Satisfaction Study, plus has fewer than the expected number of customer complaints to state regulators for a company of its size.

Allstate offers two usage-based driving programs. Texans have the option to either pay per mile with Allstate’s Milewise program, or earn cash back for safe driving with its Drivewise app.

» MORE: Allstate auto insurance review

Farmers
4.5NerdWallet rating 
Farmers is one of the largest car insurance providers in the state of Texas and also one of the best. That’s because the car insurance company has strong customer satisfaction — it scored better than average in a 2020 J.D. Power U.S. Auto Claims Satisfaction Study. Farmers also has fewer than the expected number of complaints to state regulators for a company of its size.

Farmers offers a variety of policy savings to Texan drivers, including multi-vehicle and multi-policy discounts. You can also earn a discount for good driving habits if you allow Farmers to track your driving behavior with the Signal mobile app.

» MORE: Farmers auto insurance review

Geico
4.5NerdWallet rating 
Not only is Geico one of the most affordable companies in Texas, according to NerdWallet’s rate analysis, but it’s also one of the best. The company receives fewer customer complaints than other companies of its size and was ranked highest in a 2020 J.D. Power U.S. Insurance Shopping Study.

Geico offers many discounts to help you save, plus a robust website and mobile app to help you manage your policy. The company also offers some unique coverage, like its mechanical breakdown coverage for repairs to a new car. Geico can also provide auto coverage for trips to Mexico.

» MORE: Geico auto insurance review

Liberty Mutual
4.5NerdWallet rating 
Liberty Mutual’s ease of use and available coverage make it one of the best auto insurers in Texas. You can save by taking advantage of a variety of discounts, including a discount for buying your policy online and bundling your policy. Texans can also get a policy discount by allowing Liberty Mutual to track their driving through the company’s RightTrack program.

In addition to standard auto coverage, Liberty Mutual offers unique coverage and features like new car replacement coverage and original parts replacement. For an annual fee of $30, you can enroll in the Liberty Mutual deductible fund to lower your deductible by $100 each year. Plus, the company offers coverage for trips to Mexico. You can also use its mobile app to manage your policy, track claims and request roadside assistance.

The company was ranked among the best in Texas for overall customer satisfaction in a 2021 J.D. Power U.S. Auto Insurance Study.