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List of car insurance companies in Houston

List of car insurance companies in Houston
Written by InsuranceHouston

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ValuePenguin analyzed car insurance quotes in nearly 300 cities in Texas from over thirty companies and driver profiles to identify the cheapest insurers and rates in the state. Our analysis showed a wide range in costs from company to company.

List of car insurance companies in Houston

For example, in Houston, the difference between the cheapest and the most expensive company was $2,073 a year – one year’s premium at the most expensive company could pay for about four years of insurance at the cheapest company. This is why to get the right rates, consumers should shop around. Enter your zip code above now to start shopping for great auto rates in your area among the top U.S. insurers, or read more by clicking directly on each section below.

Cheap Car Insurance Companies in Texas

To identify the cheapest companies, we reviewed auto insurance quotes for several single and married drivers from over thirty five underwriters in Texas and then ranked them based on their average across almost 300 cities. Here are the six companies with the best auto insurance rates in Texas:

List of car insurance companies in Houston

What are the best car insurance companies in Houston?

http://www.carinsurancecompanies.net/what-are-the-best-car-insurance-companies-in-houston/

The largest car insurance companies in the Houston area mirror the top 40 companies on the Texas state insurance department registry. At the top of the list, is State Farm, with more agents and offices than any other insurance firm in the Houston area. Of the other big national chains, number two in the Houston market is Progressive, while number three is Allstate Insurance.

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The most popular and recognizable insurance firms do well in Texas and certainly have a strong presence in the Houston market. Including non-public insurance carriers, some of the top ten car insurance companies in Houston also include Farmers, GEICO, Old American, USAA, Home State County Mutual and Consumers County Mutual.

Regional Specialty Car Insurance Companies in Houston

Houston Texas is the fourth largest city in the United States and the largest city in the state of Texas with a population in excess of 2.1 million people. 26% are white (non-Hispanic) and 24% are African American.

Hispanic or Latino people make up 44% of Houston’s expanding population. It is also estimated that Houston is home to as many as 400,000 illegal Hispanic immigrants, which causes some interesting problems for the local auto insurance industry. Two newer insurance organizations, Confie Seguros and Fred Loya Insurance, cater specifically to the exploding Hispanic market in cities like Houston, Texas.

Fred Loya began his insurance agency in 1974 in a storefront in El Paso, Texas. Today, Loya is ranked 17th in the state of Texas. In its five state coverage area, Loya boasts more than 360,000 policyholders. In 2011, Loya accounted for $238 million worth of premiums in Texas alone!

The Loya agency has grown so much in recent years that it is now the 18th largest Hispanic owned and operated business in the entire United States. Loya Insurance puts its relationships with the Hispanic community first. Value and quality are hallmarks of the Loya organization. According to founder Fred Loya, “Success is measured not only in profits, but by integrity as well.”

In December of 2011, Confie Seguros, a fast growing national insurance chain, announced that it had acquired Auto Insurance Discounters, Inc; a leading Houston based insurance brokerage. Confie Seguros focuses on serving the needs of Hispanic consumers across the United States.

Auto Insurance Discounters sells casualty, property, and life insurance. It was established 20 years ago and now features 13 locations in Houston and the surrounding area. It is one of the largest providers of auto insurance coverage in the State of Texas.

Freeway Insurance, a wholly owned subsidiary of Confie Seguros will be responsible for their new Houston agency. Joe Waked, CEO of Freeway says Houston is an important market for Confie Seguros and adding these retail locations will help them to develop an even stronger presence in Texas.

Houston’s High Number of Uninsured Motorists

Compounding the problems of motorists in Houston is the large percentage of drivers in the city who have little or no auto liability coverage. Estimates place this number as high as 20%!

In order to help lessen the impact of uninsured motorists, it is now mandatory for residents to provide some sort of proof of financial responsibility before getting behind the wheel of a motor vehicle. Motorists can comply with these requirements in a number of ways. They include:

  • Drivers can purchase standard liability insurance coverage through a state licensed agency.
  • Drivers may also file a surety bond at their county clerk’s office. The bond must include two individuals who are willing to sign and own property in the state.
  • Drivers with sufficient resources can make a sizeable security deposit of $55,000 in cash or negotiable securities with their county comptroller
  • Drivers may also deposit cash or certified bank funds with a county judge
  • Fleet automobile operators (individuals that own more than 25 vehicles), may file an affidavit with the Texas DMV certifying that they are self-insured.

New Minimum Car Insurance Requirements Take Effect

Another state sponsored measure to protect motorists in Texas was the recent increase in mandatory minimum liability coverage. As of January 2011, new insurance regulations took effect, increasing the amounts of coverage drivers must carry in the state of Texas, to 30/60/25.

The new laws increased minimum liability values to $30,000, covering injury to one person, and $60,000 for two or more persons, while maintaining property damage coverage at $25,000. The old coverage values were 25/50/25.

These changes mean that Texans will pay about 3% more in premiums for minimum coverage. Even with these increases, most experts agree that minimum insurance coverage amounts are not enough to adequately protect drivers in case they are involved in an accident.

Compare Car Insurance Quotes in Houston today!

Progressive Houston Insurance Companies

We’re just around the corner

Think about how convenient this would be if you had a car insurance claim:

You’d bring your car to the Service Center on Ryewater Drive or Imperial Valley Drive—it’s a faster, easier way to get your car repaired. You’d drop off your car and in just a few minutes, be back on the road in a rental.

Customers who use a Service Center get their cars back an average of two days faster than those who don’t, and your repairs are guaranteed for as long as you own or lease your car.

This service comes standard on all of our car insurance policies. It’s just one of the ways Progressive car insurance is simple and personal.

Service Centers Near Houston

A Progressive Service Center is a one-stop shop for customers who’ve been in an accident. You just drop off your damaged car, pick up your rental and go.

aaa houston

state farm houston

 

Geico Houston Car Insurance

https://www.geico.com/information/states/tx/houston/

Houston Car Insurance: The Basics

Houston is the fourth most populous city in the United States and the largest city in Texas. With more than 2 million people in the city, Houston also has some of the heaviest traffic congestion in the country because nearly 75 percent of Houston area residents drive alone to work. With so many vehicles populating the roads, it’s important to have the right car insurance in Houston to protect not only yourself, but your vehicle too. Fortunately, getting a Houston car insurance quote with GEICO is easy.

Driving In And Around Houston

Navigating Houston’s expansive freeway system can be confusing to any experienced driver, but here are a few tips for getting around town.

There are two main “loops” that serve as the hub of the Houston freeway system. The innermost loop is the 610, which forms a large square around downtown Houston. When business and restaurants in Houston say they’re located “inside the loop,” they’re referring to the inside part of the 610. Three main interstates run through the 610 Loop: 10, 59 and 45, which all lead drivers downtown. Interstate 10 runs east to west through the northern portion of the 610 and leads to the University of Houston downtown campus and the theater district off Main Street.

Interstate 45 also leads towards downtown; the northern part of the highway takes drivers to local attractions like Greenspoint Mall and Lake Conroe. I-45 South leads to the Johnson Space Center, Hobby Airport, the University of Houston and Clear Lake. I-59 takes drivers from the western part of the 610 loop through the downtown area. From I-59, you’ll find the Toyota Center and the George R. Brown Convention Center.

Beltway 8, officially known as Sam Houston Parkway, is Houston’s outer loop. It’s free to ride on the part of the highway that extends from I-10 East to I-45 North, but you’ll have to pay a toll to travel the rest of it. The Outer Loop is a great way to get to the George Bush Intercontinental Airport/Houston.

When you’re driving around downtown Houston, be on the lookout for one-way streets. Also, there are instances when street names can change unexpectedly, so consider checking out a map prior to driving through downtown Houston.

Read More About Texas Car Insurance

Whether you need to know the state required coverage levels or the teen driving laws in Texas, our Texas car insurance page will help you make the right decision about your insurance.

aig houston

YELP REVIEWS

  1. Gretchen P.
    • Gretchen P.
    • Houston, TX
    • 222 friends
    • 745 reviews
    • Elite ’16

    Hey there.  I need to get new car insurance and would greatly appreciate any recs on inexpensive, yet good companies.

    Report as inappropriate

    12/8/2008

  2. Seth M.
    • Seth M.
    • Houston, TX
    • 21 friends
    • 15 reviews

    I have a close friend at Farmers that I could introduce you to.
    All of my stuff is is Insured through them.
    I highly recommend.

    Report as inappropriate

    12/8/2008

  3. Sam V.
    • Sam V.
    • Houston, TX
    • 146 friends
    • 380 reviews

    Nationwide has been my provider for years and every time I try to shop around, nobody can beat them. The service through my agent has been pretty good too.

    Report as inappropriate

    12/8/2008

  4. Sarah P.
    • Sarah P.
    • Houston, TX
    • 55 friends
    • 0 reviews

    I’ve found over the last couple of years that car insurance tends to be a mystery of algorithms that I cannot quite figure out.  My parents love their All State insurance and say it’s the cheapest they’ve ever found.  All State asked me to kindly bend over for a cactus enema when I inquired about rates.  (I have a feeling my parents got a deal on a “bundle” with their house n’ all.)

    I had Geico for years and years and really liked them.

    I priced out an Esurance plan (the cartoon crimefighter lady sucked me in) and found them to be incredibly pricey.

    I have Progressive now and I absolutely love them.  They were the least expensive of my last shop-around (less than a year ago) and the easiest to deal with by far.  Love. Love. Love.

    Report as inappropriate

    12/8/2008

  5. Danielle S.
    • Danielle S.
    • Houston, TX
    • 425 friends
    • 761 reviews

    @ Sarah P: I have to agree…car insurance prices are incredibly wonky.  I priced insurance the other day for the car I’m getting in January just to budget, and Progressive was about twice as much as Geico for me.  :-O

    Report as inappropriate

    12/8/2008

  6. Emerson F.
    • Emerson F.
    • Seattle, WA
    • 187 friends
    • 283 reviews

    Well it depends on what you need. I have my car through Insurance Depot. It’s dirt cheap. Really, really cheap. On the other hand I don’t know about service, as I’ve never had an accident so I don’t know how fast they pay claims and all that stuff.

    Report as inappropriate

    12/8/2008

  7. Sam V.
    • Sam V.
    • Houston, TX
    • 146 friends
    • 380 reviews

    Good point on the bundle pricing, Sarah. I have all my schtuff with Nationwide. That being said, I referred a coworker and he got a good deal, so who knows…

    Report as inappropriate

    12/8/2008

  8. Edgar V.
    • Edgar V.
    • Houston, TX
    • 303 friends
    • 406 reviews

    I’ll have to chime in with Liberty Mutual.  I’ve been with Farmers, Geico, and LM in my history (with prices decreasing respectively).  Been with Liberty Mutual for over 3 years now.

    Depending on your driving record and choice of coverage, I’d think Geico or Liberty Mutual would be the way.  I’ve priced State Farm, Progressive, and Geico at every renewal yet Liberty seems to always undercut Geico in the last few years.

    I’ve never had an accident so I couldn’t speak about claims service.  From my interaction on policy updates or changes, they have been very responsive so I’m very happy.

    Report as inappropriate

    12/8/2008

  9. Mike W.
    • Mike W.
    • Houston, TX
    • 345 friends
    • 161 reviews

    I’ve been w/ Geico for a couple of years now.  And prior to that was w/ Progressive and Nationwide.  Geico is easily the cheapest for me.  I do shop at every renewal.  They’re a TX-based company, and a Bershire-Hathaway subsidiary (think warren Buffet).  But if you find that Nationwide is better, Tony May has an office in the Randall’s shopping center on Shepherd.  He was my agent for years, and is a genuinely good guy.  And for a disclaimer, never knew him till I stopped by his office to check on his rates back in 2001.

    Report as inappropriate

    12/8/2008

  10. Mike W.
    • Mike W.
    • Houston, TX
    • 345 friends
    • 161 reviews

    Another note: 1. Emerson – caveat emptor , my friend.  Insurance Depot and Auto Insurance Discounters are simply reselling insurance.  Think of them as independent insurance brokers.  Both friends and myself have used them and w/ poor results.
    2.  The minimum coverage is great if you’re on a budget, but if you know anyone that has been in a serious wreck recently, your coverage and their coverage might not suffice.  While the replacement cost of your vehicle might fall in line w/ the minimum, a trip to the emergency room and a few days in the hospital will quickly exceed $50,000.  Double your bodily harm provision and the cost is fairly minimal.

    Report as inappropriate

    12/8/2008

  11. Edgar V.
    • Edgar V.
    • Houston, TX
    • 303 friends
    • 406 reviews

    I agree with Mike’s comment on the bodily injury part.

    Its good to up your coverage limits since hospitalization can add up quickly – if you end up causing an accident and send a family of 4 to the hospital, those bills can quickly eat your lunch.

    That’s why I plan on only getting into accidents with solo drivers.  🙂

    Report as inappropriate

    12/8/2008

  12. Gretchen P.
    • Gretchen P.
    • Houston, TX
    • 222 friends
    • 745 reviews
    • Elite ’16

    Thanks you guys!  That’s really awesome.

    I shopped around at Progressive, Nationwide, Farmers, Liberty Mutual, Geico, and Insurance Depot.  Geico was my best deal, but then I have an older car.

    Report as inappropriate

    12/8/2008

  13. Emerson F.
    • Emerson F.
    • Seattle, WA
    • 187 friends
    • 283 reviews

    Yea you may laugh, (probably hysterically) but I’m a licensed P&C insurance agent. Sold independently for a few years in my mid 20’s. So I know better. It’s like the barber with a bad haircut lol.

    Report as inappropriate

    12/8/2008

  14. Jaire Q.
    • Jaire Q.
    • Houston, TX
    • 524 friends
    • 1033 reviews
    • Elite ’16

    Insurance is freaking ridiculous! My quotes were in a range from $574-1200 for six months! what the hell!? I’m sticking with my current, the market is crazy!

    Report as inappropriate

    3/31/2009

  15. Jaire Q.
    • Jaire Q.
    • Houston, TX
    • 524 friends
    • 1033 reviews
    • Elite ’16

    @Chris: Allstate was in the high 700’s for me. That’s odd bc I have a clean license and great credit… this sucks! but whatever, I think I have a great deal with Travelers.

    Report as inappropriate

    3/31/2009

  16. Gilberto V.
    • Gilberto V.
    • Houston, TX
    • 106 friends
    • 121 reviews

    Anything where the primacy is online is false hope and false security.  I have had the same State Farm agent since college, him and his staff know me, they know my needs, and I have recommended them to family and they understand and get you.  Always go with a place that has been around a while and has a brick-and-mortar presence and a set of people (two to five) that you can call.  DO NOT USE PROGRESSIVE / GEICO / ETC.  Those are great for pricing – but at what cost?  There is zero human gain with those.

    State Farm, Allstate, Farmers, REAL insurance companies.  A few bucks more, but all the peace of mind in the world.  Plus, you get more diversifiable insurance portfolios from them – home owners insurance, renter’s insurance, all kinds of things that these online yay-hoos offer.

    Report as inappropriate

    3/31/2009

  17. Gilberto V.
    • Gilberto V.
    • Houston, TX
    • 106 friends
    • 121 reviews

    On that note – use Bruce Boyd in College Station, TX on University Drive.  Pimp smart.

    Report as inappropriate

    3/31/2009

  18. Dolph W.
    • Dolph W.
    • Sugar Land, TX
    • 86 friends
    • 231 reviews

    Gretchen – do a price check on Amica while you’re at it. This company was recommended to me by my portfolio consultant years ago. I’ve been very satisfied (I bundle both car and house with them).

    Report as inappropriate

    3/31/2009

  19. Ako E.
    • Ako E.
    • Houston, TX
    • 496 friends
    • 369 reviews
    • Elite ’16

    FYI: Geico and Libby-Mu take into consideration your job title and your education. So if you are an engineer, teacher, doctor (but not RN, LVN) air traffic controller, etc with a college degree or higher they are more apt to forgive if you have tickets and/or claims.

    Whoever you go with make sure their A.M. Best rating is “A” or better.

    These companies are great when you have claims: Progressive, Geico, Liberty Mutual, State Farm, Allstate, Nationwide & USAA.

    I would be careful of the companies like Auto Insurance Discounters or Esurance. They may be brokerages that “shop” for the best rate. While going through a broker is a great way to have someone else shop for you, most only have a limited # of companies they may represent or they may represent companies that have a low rating. If you go with an insurance brokerage, make sure they deal w/companies w/high ratings.

    If you are a vet or a descendant of a vet you may qualify for USAA who will knock the socks off the competition.

    Finally, if you package a renter/tenant or homeowner policy with your auto policy, most companies will give you a discount.

    Report as inappropriate

    3/31/2009

  20. Anthony H.
    • Anthony H.
    • Chelsea, London, United Kingdom
    • 30 friends
    • 211 reviews

    Bruce Boyd in College Station ?!   Insurance for Dicks…….

    Report as inappropriate

    3/31/2009

  21. Ako E.
    • Ako E.
    • Houston, TX
    • 496 friends
    • 369 reviews
    • Elite ’16

    Vet as in Veteran of U.S. Armed forces, not a Veterinarian.

    Report as inappropriate

    3/31/2009

  22. Ako E.
    • Ako E.
    • Houston, TX
    • 496 friends
    • 369 reviews
    • Elite ’16

    @ Chris: USAA offers insurance to military members (including veterans) & their families.

    Report as inappropriate

    4/2/2009

  23. Paul A.
    • Paul A.
    • Houston, TX
    • 39 friends
    • 30 reviews

    Believe it or not, I actually like my AIG insurance – 21st Century. It’s reasonably priced, I’ve had no issues, and they offer free roadside assistance, which I actually used when I had a blowout way up in Oklahoma a few months ago, and realized my spare was dead too……they got there in 10 minutes, towed me to the local Walmart Auto, and I was on my way with a new tire and spare in about an hour.

    Report as inappropriate

    4/2/2009

  24. Ako E.
    • Ako E.
    • Houston, TX
    • 496 friends
    • 369 reviews
    • Elite ’16

    Usaa offers to Military only. That sucks! My dad was in the Army so I qualify, but I have been with my agent and I am pretty much a lazy ass.

    Report as inappropriate

    4/2/2009

  25. Danielle S.
    • Danielle S.
    • Houston, TX
    • 425 friends
    • 761 reviews

    I have Geico and really love it.  Their customer service is AWESOME.  Every time I’ve had to call to make an adjustment to my policy, whoever’s on the other end of the phone is so on the ball, which, after dealing with the brain dead folks at Comcast, comes as a very pleasant surprise.  They ended up giving me the best deal, too.  I’d definitely give them a try, Chris.

    Report as inappropriate

    4/2/2009

  26. Mike W.
    • Mike W.
    • Houston, TX
    • 345 friends
    • 161 reviews

    Chris – if your Gramps is still alive you should be in luck, I believe it extends to grandchildren.  It is a great company, but it is a “private” club.  Stand by my Geico rec.  Based in TX, owned by Berkshire Hathaway

    Report as inappropriate

    4/2/2009

  27. Ryan M.
    • Ryan M.
    • Houston, TX
    • 16 friends
    • 26 reviews

    I just saved a ton of money on my car insurance by switching to Geico.  No seriously, i really did.  Don’t take it from me, take it from that Cockney lizard.

    Report as inappropriate

    4/2/2009

  28. Gretchen P.
    • Gretchen P.
    • Houston, TX
    • 222 friends
    • 745 reviews
    • Elite ’16

    @Chris-Yes, if you can get USAA, that is definitely the way to go.  Also their definitions of types of cars varies from other insurances.  For example, they are a little more lenient as to what they consider a “sports car.”  (Or is it that other companies are just a little more strict?)

    Report as inappropriate

    4/2/2009

  29. David N.
    • David N.
    • Houston, TX
    • 3737 friends
    • 3456 reviews

    I’ve been with farmers since I started driving the time I was in an accident they took care of me. Very quick service and had a check issued to me in a few weeks.

    Report as inappropriate

    4/2/2009

  30. R C.
    • R C.
    • Houston, TX
    • 3 friends
    • 9 reviews

    Try Amica Insurance.  Never heard of them before a coworker recommended them to me several years ago.

    I flooded my car during Tropical Storm Alison – had zero problems with having them pay for my car, no hassle at all.

    We also have home owners insurance with them.  We had some roof damage and within 3 hours of calling them and reporting the damage, they had told us that a check (less the deductible) was on the way and that if it would cost more to fix the problems, save the receipt and they will send us another check.  Again, no hassle, no wait, not insurance guy coming over to assess the loss a week later.

    For car insurance, you do need a clean record.  Best insurance company ever.

    Report as inappropriate

    4/2/2009

  31. Amaranta C.
    • Amaranta C.
    • San Francisco, CA
    • 24 friends
    • 129 reviews

    GEICO stands for Govt. Employee Insurance Company- so if you are a Govt. employee (or perhaps some of the other categories listed by Ako E.) you’ll get a good deal. I’ve had GEICO for 3 years, great service, great prices (seriously about 1/2 as cheap as other companies priced, but it might only be due to being a govt. employee and bundled with my renter’s insurance) and I have a sports car and 3 incidents on my record (oops!). Every renewal I price others and everytime GEICO wins. Plus I love the commercials 🙂

    Report as inappropriate

    4/3/2009

  32. Gretchen P.
    • Gretchen P.
    • Houston, TX
    • 222 friends
    • 745 reviews
    • Elite ’16

    Just had to update my insurance and thought about this thread.  Geico, still.  New car, more expensive monthly payments (twice as much as before–Gross!), but still a better deal than any other insurance company.

    Report as inappropriate

    5/30/2009

  33. Gretchen P.
    • Gretchen P.
    • Houston, TX
    • 222 friends
    • 745 reviews
    • Elite ’16

    BTW, does anyone know how to get old stale ketchup out of seat belts?  (Previous owners hearted fast food and smoking in my future car.)  In this heat, nothing seems to work.  Resolve and airing it out daily helps a little, but not completely…it comes back.

    Report as inappropriate

    5/30/2009

The cheapest car insurance companies in Texas were USAA, Allstate, and Foremost County Mutual. Overall, USAA had the best rates, but it only insures the armed forces and their family members. That’s good news for soldiers at Fort Hood, sailors at the Corpus Christi Naval Air Station, or airmen at Lackland Air Force Base. Civilians need not worry – we found excellent rates at Allstate and Foremost.

Here are the average rates across 293 cities for multiple different combinations of age groups (30 and 65 year olds), driving histories (no violations, one at-fault accident, or one speeding ticket within the past three years), credit scores (great, good, and below average), and marital statuses (single and married). While your actual quotes will depend on where you live and park your car, as well as how you’ve driven, these companies are a good place to start finding low cost insurance. The same driver will get different quotes from different companies. Comparing quotes from at least three companies is the best way to get good rates. Start by entering your zip code below to see what top US insurers are covering your area.

Rank Cheapest Insurers Average Annual Rates
1 United Services Automobile Association (USAA)   $497
2 Allstate Insurance Company   589
3 Foremost County Mutual   654
4 Farmers Auto Insurance Company   668
5 GEICO Insurance Company   688
6 Aaa Texas County Mutual Insurance Company   693
7 Texas Farm Bureau Mutual Insurance Company   693
8 Merastar Insurance Company   739
9 Direct General Insurance Company   747
10 AIG Insurance Company   755
11 Nationwide Insurance Company   770
12 Fireman’s Fund Insurance Company   771
13 Amica Mutual Insurance Company   866
14 State Farm Insurance Company   882
15 Progressive County Mutual Insurance Company   1,156
16 Liberty Mutual Auto Insurance   1,183
17 Metropolitan Lloyds Insurance Company Of Texas   1,221
18 Mercury County Mutual Insurance Company   1,292
19 National General Insurance Company   1,364
20 Encompass Indemnity Company   1,681
21 Esurance Insurance Company   1,954

Cheap Car Insurance in Texas: by City

We analyzed auto insurance rates in each city to identify the top three insurers with the lowest rates. In the table above, we’ve prepared a list of the thirty largest cities in Texas along with the city’s three lowest cost insurers and average annual premiums to give drivers a sense of costs. Rates are averaged for 30 year olds and 65 year olds with various credit backgrounds, driving histories, and marital status.

Note that USAA ranked in the first or second spot in almost all cities, but we’ve excluded them from this table because the company only serves military and affiliated members. Below is also a deeper dive by the largest cities of the most affordable insurers by age and marital status to give drivers a further idea of the going rates for auto insurance. We’ve excluded USAA from the city specific tables as well.

City Cheapest Insurer #1 Cheapest Insurer #2 Cheapest Insurer #3
Houston Allstate $811 Foremost $847 GEICO $857
San Antonio Allstate 787 Foremost 799 Direct General 839
Dallas Allstate 761 Foremost 817 Farmers Auto 858
Austin GEICO 751 Foremost 778 Allstate 782
Fort Worth Texas Farm Bur 739 Allstate 748 AAA Texas 755
El Paso Allstate 629 Foremost 661 Farmers Auto 681
Arlington Nationwide 650 Allstate 689 Fireman’s Fund 744
Corpus Christi Allstate 748 Foremost 799 Farmers Auto 851
Plano Allstate 712 GEICO 753 Foremost 797
Laredo Allstate 655 AAA Texas 664 GEICO 672
Lubbock Allstate 597 Foremost 672 Farmers Auto 686
Irving GEICO 773 Allstate 810 Foremost 815
Amarillo Allstate 595 GEICO 650 Direct General 674
Brownsville Allstate 613 Foremost 711 Fireman’s Fund 744
McKinney Allstate 723 Foremost 749 GEICO 753
Mesquite Allstate 803 GEICO 809 Foremost 817
McAllen Direct General 746 Foremost 780 Allstate 780
Killeen Allstate 538 Texas Farm Bur 651 AAA Texas 658
Waco Allstate 578 GEICO 666 Texas Farm Bur 693
Carrollton Nationwide 655 Allstate 731 GEICO 735
Denton Nationwide 590 Allstate 691 GEICO 735
Midland Allstate 562 Texas Farm Bur 580 AAA Texas 616
Abilene Allstate 519 AAA Texas 596 Fireman’s Fund 647
Beaumont Allstate 807 Foremost 819 GEICO 857
Round Rock GEICO 725 Nationwide 740 Foremost 742
Odessa Foremost 638 Farmers Auto 645 Direct General 663
Wichita Falls Allstate 487 AAA Texas 594 GEICO 606
Tyler Foremost 709 Farmers Auto 734 Allstate 739
Lewisville Nationwide 649 Allstate 715 GEICO 735
College Station Allstate 621 AAA Texas 663 GEICO 677
Foremost = Foremost County Mutual; AAA Texas = AAA Texas County Mutual; Texas Farm Bur = Texas Farm Bureau County Mutual

Dallas, TX

Policies in the Big D cost on average of $1,134, but you can still save with cheap car insurance in Dallas if you know where to look. Despite its rank as the sixth most expensive city to insure a vehicle in Texas, savings can still be had. Start with Direct General, GEICO, and Farmers – the three cheapest insurers in Dallas based on our study. Quotes from these three companies are about 37% less than the Dallas composite.

Profile Cheapest Insurer 2nd Cheapest Insurer 3rd Cheapest Insurer
Single Male, 30 Dir. Gen. 483 GEICO 501 Farmers 558
Single Female, 30 Dir. Gen. 472 GEICO 529 Farmers 555
Married Male, 30 Dir. Gen. 403 GEICO 479 Farmers 481
Married Female, 30 Dir. Gen. 423 GEICO 476 Farmers 478
Married Male, 65 GEICO 322 Dir. Gen. 378 Foremost 547
Married Female, 65 GEICO 319 Dir. Gen. 390 Farmers 467

Houston, TX

Paying for car insurance in Houston can cost an annual premium of $1,206. That ranks H-Town as the most expensive out of the nearly 300 cities in our sample, and about 36% more expensive in general. There’s still opportunity to save though: based on our data, going with quotes from GEICO, Direct General, or Farmers can save you 30 – 45% off of the average auto insurance rate in Houston.

Profile Cheapest Insurer 2nd Cheapest Insurer 3rd Cheapest Insurer
Single Male, 30 GEICO $497 Dir. Gen. $579 Farmers $589
Single Female, 30 GEICO 525 Dir. Gen. 568 Farmers 585
Married Male, 30 GEICO 476 Dir. Gen. 482 Farmers 509
Married Female, 30 GEICO 472 Farmers 506 Dir. Gen. 507
Married Male, 65 GEICO 326 Dir. Gen. 452 Foremost 566
Married Female, 65 GEICO 323 Dir. Gen. 467 Farmers 495

Dir. Gen. = Direct General

Austin, TX

Which companies have the cheapest auto insurance rates in Austin, TX? We suggest drivers 30 years and older in Austin compare quotes starting at Direct General, GEICO, and Farmers based on our table below. Auto insurance in Austin can cost drivers about $1,039 a year, which is about 17% lower than elsewhere in the Lone Star state. At these three companies, however, drivers can save on average 40% versus the average city cost.

Profile Cheapest Insurer 2nd Cheapest Insurer 3rd Cheapest Insurer
Single Male, 30 Dir. Gen. $386 GEICO $445 Farmers $525
Single Female, 30 Dir. Gen. 376 GEICO 469 Farmers 522
Married Male, 30 Dir. Gen. 324 GEICO 426 Farmers 452
Married Female, 30 Dir. Gen. 339 GEICO 423 Farmers 449
Married Male, 65 GEICO 277 Dir. Gen. 303 Foremost 521
Married Female, 65 GEICO 275 Dir. Gen. 314 Farmers 438
Dir. Gen. = Direct General

San Antonio, TX

In San Antonio, we have Direct General and GEICO sweeping the boards with the lowest rates, with Farmers not far behind. It costs about $1,078 to insure your car in the Alamo City, Texas’s second largest city – about 22% more than the the state average. Here are example rates for car insurance in San Antonio broken out for six profiles.

Profile Cheapest Insurer 2nd Cheapest Insurer 3rd Cheapest Insurer
Single Male, 30 Dir. Gen. $400 GEICO $491 Farmers $557
Single Female, 30 Dir. Gen. 392 GEICO 517 Farmers 554
Married Male, 30 Dir. Gen. 332 GEICO 471 Farmers 483
Married Female, 30 Dir. Gen. 350 GEICO 468 Farmers 480
Married Male, 65 Dir. Gen. 311 GEICO 345 Foremost 536
Married Female, 65 Dir. Gen. 321 GEICO 341 Farmers 469
Dir. Gen. = Direct General

El Paso, TX

Despite being the sixth largest city in Texas, El Paso has an affordable car insurance cost compared to the average city in Texas. It costs just $867 a year to insure a car in a town that has been named one of the Happiest Cities to Work In, or one of America’s Safest Cities. Annual premiums are already 2% cheaper than the state average, but here’s a list by age and marital status for more opportunity to save. Direct General ranks across the board, but keep GEICO and Farmers in mind if you’re looking for cheap auto insurance in El Paso.

Profile Cheapest Insurer 2nd Cheapest Insurer 3rd Cheapest Insurer
Single Male, 30 Dir. Gen. $335 GEICO $426 Farmers $444
Single Female, 30 Dir. Gen. 328 Farmers 442 GEICO 448
Married Male, 30 Dir. Gen. 279 Farmers 385 GEICO 411
Married Female, 30 Dir. Gen. 294 Farmers 382 GEICO 408
Married Male, 65 Dir. Gen. 262 GEICO 316 Nat. Gen. 432
Married Female, 65 Dir. Gen. 270 GEICO 313 Nat. Gen. 346
Dir. Gen. = Direct General; Nat. Gen. = National General

Best Auto Insurance Companies in Texas

To find the best insurers in Texas, we’ll be looking at the companies with the fewest complaints compared to their competitors. These are thirty of Texas’s largest auto insurance companies, and are ranked based on their complaint index, which measures how many valid complaints the company gets compared to the average insurer. An index of 1.00 is average, and a number below 1, such as State Farm County’s index, is better (gets fewer complaints than the average company).

The best car insurance companies in Texas with the fewest complaints are the Hartford, State Farm, and Germania Insurance. The cheapest companies in our study, Foremost County Mutual, Allstate, and USAA, had lower than average complaints as well.

Rank Insurer 2012 Index
1 Hartford Fire Insurance Company 0.00
2 State Farm County Mutual Insurance Company Of Texas 0.24
3 Germania Select Insurance Company 0.29
4 Dairyland County Mutual Insurance Company Of Texas 0.31
5 Foremost County Mutual Insurance Company 0.32
6 State Farm Mutual Automobile Insurance Company 0.33
7 21st Century Centennial Insurance Company 0.36
8 USAA Casualty Insurance Company 0.46
9 Allstate Property And Casualty Insurance Company 0.65
10 Consumers County Mutual Insurance Company 0.68
11 Texas Farm Bureau Casualty Insurance Company 0.70
12 Garrison Property And Casualty Insurance Company 0.76
13 Allstate County Mutual Insurance Company 0.77
14 Farmers Texas County Mutual Insurance Company 0.79
15 Colonial County Mutual Insurance Company 0.85
16 Texas Farm Bureau Mutual Insurance Company 0.85
17 United Services Automobile Association 0.86
18 Progressive County Mutual Insurance Company 0.91
19 Liberty County Mutual Insurance Company 0.91
20 Allstate Fire And Casualty Insurance Company 0.92
21 Allstate Indemnity Company 0.93
22 Government Employees Insurance Company (GEICO) 0.94
23 USAA General Indemnity Company 0.94
24 Southern County Mutual Insurance Company 1.23
25 AAA Texas County Mutual Insurance Company 1.37
26 Home State County Mutual Insurance Company 1.46
27 ACCC Insurance Company 1.70
28 GEICO Indemnity Company 1.80
29 Loya Insurance Company 2.27
30 Old American County Mutual Fire Insurance Company 2.69

Average Cost of Car Insurance in Texas

How much do people pay on average for car insurance in the state of Texas? $885, according to our data. Going into this number are rates for almost 300 cities in the Lone Star State across 30 and 65 year olds, both single and married drivers, with one accident or speeding ticket or clean driving records, and credit scores ranging from below average to above average.

This graph ranks the cities included in our Texas study from the lowest average annual rates for car insurance to the highest.

Methodology & Assumptions

Average rates are for illustrative purposes, as individual quotes will differ based on driving history, coverage sought, vehicle type, and other factors.

Data was obtained from the Texas Department of Insurance for 30 and 65 year olds with different driving and personal backgrounds across thirty five companies and 293 cities. This also accounts for drivers who drive their cars 10,000 miles for pleasure or 18,000 miles for work commute; have credit scores ranging from below average to above average; and keep driving records from one accident, one speeding violation, to a clean record. Insurance policies include Texas’s minimum auto insurance liability requirements: $30,000 for bodily injury liability per person (up to $60,000 per accident), and $25,000 of property damage (30/60/25 coverage), 50/100/50, as well as 100/300/100. Car insurance costs are based on a 2012 Toyota Camry four-door sedan, with 2.5 liter/4 cylinder engine.

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