9 Best Car Insurance in Texas of 2026

This list is for Texas drivers comparing insurers on local rates, claims service and coverage options. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Texas is an at-fault state with minimum liability limits of $30,000 per person, $60,000 per accident and $25,000 for property damage, and insurers must offer personal injury protection and uninsured motorist coverage, which you can only turn down in writing. Most insurers do not publish a personal price, so we quote the Texas figures that Progressive, The Hartford, Lemonade, Root, Liberty Mutual and Acceptance publish and mark the rest as pending. Several are statewide averages or estimates rather than offers, and we say which. GEICO, USAA, Allstate and Nationwide pages did not load for us from our location and are left out.

1. 01Top value

   

   Texas Farm Bureau Insurance

   8.8/10

   Texas insurer founded in 1952 that sells auto, home, farm and ranch coverage through more than 850 local agents.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   9.3

   Features (35%)

   8.7

   Ease of use (25%)

   8.3

   Best forTexas drivers who want a homegrown insurer, a local agent in town and low-cost add-ons such as rental, roadside and death indemnity coverage.

   Texas Farm Bureau Insurance is the home-state option most national lists skip. Its member magazine, Texas Heritage for Living, says the company has protected Texas families since 1952 and serves more than 500,000 member-families with the help of more than 850 local agents. That network is the core of the pitch: you buy, change and claim through someone nearby rather than a national call center. The optional coverages are practical for Texas roads. Rental coverage pays $35 a day up to $1,050 per occurrence, emergency roadside assistance covers up to $120 for towing, lockouts, fuel or a jump, and the same $120 can go toward a windshield ding repair. A death indemnity add-on pays $5,000, and medical payments limits go up to $10,000. The weakness for comparison shoppers is transparency: the insurer publishes no Texas rate, and its main site did not load for us, so you need to call an agent to see a price.

   • ✓Homegrown Texas company with agents in local communities
   • ✓Optional add-ons are inexpensive, according to its own agents
   • ✓Policyholders get extra rental car discounts through partners such as Enterprise

   • ✕No published Texas price, so you need an agent quote
   • ✕Its website did not load for us, so we relied on its member magazine pages
   • ✕Fewer digital tools than app-based rivals

   Founded:

   1952

   Local agents:

   More than 850

   Members served:

   More than 500,000 member-families

   Rental coverage:

   $35 a day, up to $1,050 per occurrence

   Bottom line: Texas Farm Bureau Insurance is the first quote to get for most Texas drivers, especially outside the big metros where a local agent matters most. Its agent network and cheap add-ons give it the best value here.

   Visit txfb-ins.com ↗

2. 02

   

   Progressive

   8.7/10

   Large national insurer that sells Texas car insurance online, by phone and through independent agents.

   Price

   Customper month, average liability-only policy in medium-cost states like Texas

   Progressive's average for a liability-only policy is $112.80 a month in medium-cost states like Texas

   “For a liability-only policy, car insurance costs an average of $112.80 per month in medium-cost states like Texas.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.8

   Ease of use (25%)

   9.0

   Best forTexas drivers who want to compare a published price online and earn discounts for quoting and paying digitally.

   Progressive is the easiest insurer here to benchmark against. Its Texas page states that a liability-only policy costs an average of $112.80 a month in medium-cost states like Texas, which gives you a number to test other quotes against, though it is a group average rather than a Texas-only figure. Discounts are simple to collect: Snapshot gives a discount just for enrolling and larger savings at renewal for the safest drivers, starting a quote online earns a discount, and paying in full both lowers the premium and avoids installment fees. The Name Your Price tool shows coverage options for a target budget. You can buy online, by calling 1-855-347-3939 or through an independent agent, which suits Texans who want an agent but also want to compare carriers. Progressive says drivers who switch save over $950 on average nationwide. The trade-off is that its pricing claims are averages, and lenders will still require collision and comprehensive on financed cars, which raises the price well above liability-only.

   • ✓Publishes a liability-only benchmark that includes Texas
   • ✓Three ways to buy and manage a policy
   • ✓Discounts for quoting online and paying in full are easy to earn

   • ✕The published average covers a group of medium-cost states, not Texas alone
   • ✕Snapshot can raise rates for risky driving in some cases
   • ✕Savings claims are national averages

   Published average:

   $112.80 a month, liability only

   Ways to buy:

   Online, phone, independent agents

   Telematics program:

   Snapshot

   Switcher savings:

   Over $950 on average, nationwide

   Bottom line: Progressive is the best Texas pick for drivers who want a published benchmark and an online purchase. It ranks third because value depends heavily on Snapshot results.

   Visit progressive.com ↗

3. 03

   

   State Farm

   8.7/10

   Agent-based national insurer that has insured cars since 1922 and has more than 19,000 auto insurance agents.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.9

   Ease of use (25%)

   8.7

   Best forTexas families with drivers under 25 who want a local agent and discounts for safe driving.

   State Farm is the default agent-based choice in Texas cities from Houston to El Paso. Its auto page says it has insured cars since 1922 and has more than 19,000 auto insurance agents across the country, so finding a nearby office is rarely a problem. The discount programs are its strongest card for families. Drive Safe & Save can cut up to 30% based on how you drive, and Steer Clear can save as much as 20% for drivers under 25 with no at-fault accidents or moving violations in the past three years. Bundling auto and renters can save up to $900, and State Farm says drivers who switch save an average of $740. Claims can be reported online, in the app or by phone. Agents can also answer questions about rental car coverage and EV charging. The catch is that State Farm publishes no Texas rate, and it notes that discount names and percentages vary by state, so confirm what applies in Texas with an agent.

   • ✓More than 19,000 agents nationwide, with offices across Texas cities
   • ✓Two large driving discounts that can apply to the same household
   • ✓Switchers save an average of $740, according to State Farm

   • ✕No published Texas price
   • ✕Discount names and percentages vary by state
   • ✕Agent-led model can feel slower than app-first insurers

   Insuring cars since:

   1922

   Agents:

   Over 19,000 nationwide

   Telematics discount:

   Up to 30% with Drive Safe & Save

   Young driver discount:

   Up to 20% with Steer Clear

   Bottom line: State Farm is the best second quote for Texas households with teen or college-age drivers. Steer Clear and Drive Safe & Save together give it a real edge for young drivers.

   Visit statefarm.com ↗

4. 04

   

   AARP Auto Insurance from The Hartford

   8.6/10

   Car insurance program for AARP members that has covered Texas drivers since 1984.

   Price

   $127per month, Texas customer average

   Pay as little as $127 a month in Texas; The Hartford's Texas customers pay an average of $1,519 a year, or about $127 a month

   “Our customers pay an average of $1,519 a year, or about $127 a month, for car insurance in Texas.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.5

   Ease of use (25%)

   8.3

   Best forTexas drivers aged 50 and over who are AARP members and want New Car Replacement, Accident Forgiveness and a published Texas average.

   The Hartford's AARP program is the strongest fit on this list for Texas drivers over 50. Its Texas page says it has protected Texas AARP members and their families since 1984, and it publishes a real customer figure: Texas customers pay an average of $1,519 a year, or about $127 a month, based on one car and one driver. The benefits are aimed at people who have been driving for decades. New Car Replacement, Disappearing Deductible and Accident Forgiveness are all available to Texas drivers, along with 24/7 claims service and roadside assistance. Bundling home and auto saves up to 12% on auto and up to 20% on home, and The Hartford says bundlers save an average of $963. The page also notes that 30/60/25 is only the state minimum and explains why higher limits protect your savings. The limits are clear too: the program is built around AARP membership, so a 25-year-old gets less from it, and you will find fewer offices than with the agent-heavy brands.

   • ✓Publishes a Texas customer average of about $127 a month
   • ✓Strong benefits for older drivers, including Accident Forgiveness
   • ✓Bundlers save an average of $963, according to The Hartford

   • ✕Built for AARP members, so younger drivers get less from it
   • ✕The average is for one car and one driver
   • ✕Fewer local offices than State Farm or Texas Farm Bureau

   Texas customer average:

   $1,519 a year, about $127 a month

   In Texas since:

   1984

   Bundle discount:

   Up to 12% on auto

   Claims service:

   24/7

   Bottom line: The Hartford is the best Texas pick for AARP members who want Accident Forgiveness and New Car Replacement. Its published $127 Texas average makes the value easy to check.

   Visit thehartford.com ↗

5. 05

   

   Lemonade Car

   8.5/10

   App-based insurer that publishes estimated Texas premiums by city and handles claims in its app.

   Price

   Customper month, Texas estimated average

   Lemonade estimates its Texas car insurance averages roughly $1,106 to $1,146 a year, about $92 to $96 a month; Dallas and San Antonio estimates run $100 to $109 a month

   “The average estimated cost of Lemonade car insurance in Texas ranges from roughly $1,106 to $1,146 per year*, depending on factors like your age, driving history, car type, and location.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   7.9

   Ease of use (25%)

   9.0

   Best forApp-first Texas drivers, especially hybrid and EV owners, who want a published city estimate before they quote.

   Lemonade publishes more Texas price detail than any other insurer we checked. Its Texas page estimates the average Lemonade car policy at roughly $1,106 to $1,146 a year and gives city ranges: $100 to $109 a month in Dallas and San Antonio, and $90 to $99 in Houston and Austin. Those are base-premium estimates from a December 2024 analysis, not offers, but they are useful for setting expectations in the big metros. Discounts include a hybrid and EV discount, a three-year safe driving discount, a five-year accident-free discount and bundles with renters, home or pet policies. Texas drivers get free roadside assistance as long as location services are on in the app, and temporary transportation coverage pays for rideshares, transit or a rental for up to 30 days during repairs. The page recommends comprehensive coverage for Texas hail, tornadoes and hurricanes. The trade-off is service style: there are no agents, so everything from quote to claim runs through the app.

   • ✓Only insurer here that publishes city-level Texas estimates
   • ✓Lower estimated Texas average than most published figures here
   • ✓Safe driving and accident-free discounts plus bundling with renters or home

   • ✕No local agents
   • ✕Estimates date from December 2024 rate analysis
   • ✕Fewer coverage extras than the large agent-based insurers

   Texas estimate:

   $1,106 to $1,146 a year

   Dallas estimate:

   $100 to $109 a month

   San Antonio estimate:

   $100 to $109 a month

   Houston and Austin estimate:

   $90 to $99 a month

   Bottom line: Lemonade is the best Texas pick for app-first drivers in the big cities and for hybrid or EV owners. Its published city estimates make it easy to judge before you quote.

   Visit lemonade.com ↗

6. 06

   

   Mercury Insurance

   8.2/10

   Insurer that sells Texas car insurance through local independent agents, with city pages for Dallas, Houston, Austin and San Antonio.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.0

   Ease of use (25%)

   8.0

   Best forDallas and San Antonio drivers who want a local agent and stackable discounts for multiple cars, paying in full and good grades.

   Mercury is a strong Texas option for households that can stack several discounts. Its Dallas page lists up to 13% off for insuring more than one vehicle, up to 12% off for paying in full, up to 14% off for bundling with a Mercury home or renters policy, 5% for automatic payments and 3% for signing documents electronically. Full-time students under 23 with a 3.0 GPA or Dean's List status can get an 8% good student discount. The Texas page adds an EV discount, a good payer discount and a MercuryGO telematics discount that includes participation and driving. Coverage options include liability, collision, comprehensive, medical payments, uninsured and underinsured motorist bodily injury, rental reimbursement and roadside assistance. Mercury sells through local independent agents, with dedicated pages for Dallas, Houston, Austin and San Antonio, and the Dallas page lists (866) 922-4594. The gaps are a missing Texas price and a smaller agent network than the biggest brands.

   • ✓Clear published discount percentages
   • ✓Local independent agents in major Texas metros
   • ✓Good student discount of 8% for qualifying full-time students under 23

   • ✕No published Texas price
   • ✕Sold through agents, so online buying is limited
   • ✕Smaller national footprint than State Farm or Progressive

   Multi-car discount:

   Up to 13%

   Paid-in-full discount:

   Up to 12%

   AutoPay discount:

   5%

   Dallas phone:

   (866) 922-4594

   Bottom line: Mercury is a good Texas pick for multi-car households in Dallas and San Antonio that will pay in full. Its published discount percentages make savings easier to estimate than most rivals.

   Visit mercuryinsurance.com ↗

7. 07

   

   Root

   8.1/10

   App-based insurer that prices Texas car insurance mainly on how you drive.

   Price

   Customper year, Texas average full coverage

   Root's Texas page puts the state average for full coverage at $3,106 a year; its own prices are quote-only

   “The average Texas driver pays $3,106 per year for full coverage car insurance” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.2

   Features (35%)

   7.6

   Ease of use (25%)

   8.8

   Best forSafe Texas drivers who are comfortable sharing driving data in exchange for a lower rate.

   Root rewards Texas drivers who can prove they drive carefully. Its Texas page says drivers who switch can save up to $1,300 a year, based on a survey of customers who bought a policy between February 2025 and February 2026, and its Dallas page explains that sharing driving data can bring rates well below what Dallas drivers often pay. The process is fast: a quote takes less than five minutes, and a claim can be filed in the app in as little as three. Coverage includes liability, collision with optional rental, comprehensive for hail and theft, MedPay and uninsured motorist protection. Root's page cites a Texas average of $3,106 a year for full coverage, which is a useful ceiling when you compare. The limits are clear: savings depend on your driving score, roadside assistance is a separate purchase, and there are no agents if you want help in person.

   • ✓Root says switchers can save up to $1,300 a year
   • ✓Fast quote and claims in the app
   • ✓Good fit for careful drivers with low mileage

   • ✕Savings depend on your driving score
   • ✕Roadside assistance is sold as separate coverage
   • ✕No local agents for in-person help

   Quote time:

   Less than 5 minutes

   Claims in app:

   In as little as 3 minutes

   Claimed savings:

   Up to $1,300 a year for switchers

   Texas full coverage average cited:

   $3,106 a year

   Bottom line: Root is a good Texas pick for careful drivers who want a fast app and pricing tied to their own habits. Drivers with hard braking or late-night miles should look elsewhere.

   Visit joinroot.com ↗

8. 08

   

   Liberty Mutual

   8.0/10

   Large national insurer selling Texas car insurance online, by phone and through agents, with add-ons such as OEM parts and gap coverage.

   Price

   Customper month, Texas average full coverage

   Liberty Mutual's Texas page puts the state average for full coverage at about $204 a month, or $2,448 a year, as of November 2026; its own prices are quote-only

   “The average cost of “full” coverage car insurance in Texas is about $204 per month, or $2,448 per year.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   7.7

   Features (35%)

   8.3

   Ease of use (25%)

   8.2

   Best forTexas drivers with newer or financed cars who want gap coverage, original parts replacement and a telematics discount.

   Liberty Mutual is the add-on specialist on this list. Its Texas page offers Original Parts Replacement, gap coverage and Accident Forgiveness, which matter for drivers with a new or financed car who would otherwise owe the lender after a total loss. RightTrack can save up to 30% for good driving, though the score applies only to certain coverages, and there are discounts for buying online and for bundling policies. You can buy online, by phone or through a local agent. The page is also one of the most useful for Texas context: it puts the average cost of full coverage at about $204 a month, or $2,448 a year, as of November 2026, notes that Houston and Austin drivers may pay more, and explains that a hail claim may not affect your premium the way an at-fault accident might. Liberty Mutual says switchers could save over $700. The weak spot is value: it publishes no Texas price of its own, and its add-ons push the premium up.

   • ✓Publishes a current Texas full coverage average
   • ✓Useful add-ons for financed and newer cars
   • ✓Says hail claims may not affect premiums like at-fault accidents

   • ✕No published Liberty Mutual price for Texas
   • ✕RightTrack score applies only to certain coverages
   • ✕Savings claims rely on national switcher averages

   Texas full coverage average:

   About $204 a month

   Telematics discount:

   Up to 30% with RightTrack

   Ways to buy:

   Online, phone, agent

   Claimed switcher savings:

   Over $700

   Bottom line: Liberty Mutual suits Texas drivers with newer or financed cars who want gap and OEM parts coverage. Price-first shoppers will usually do better with the insurers ranked above it.

   Visit libertymutual.com ↗

9. 09

   

   Acceptance Insurance

   7.7/10

   Non-standard auto insurer with bilingual agents and local offices across Texas towns.

   Price

   Customper month, Texas estimated cheapest liability

   Acceptance's Texas page estimates the cheapest liability insurance at around $65 a month and full coverage at about $230 a month on average

   “The cheapest liability insurance in Texas costs around $65 dollars per month.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.2

   Features (35%)

   7.0

   Ease of use (25%)

   7.8

   Best forTexas drivers with tickets, low credit or an SR-22 requirement who want low-cost liability and in-person help.

   Acceptance is the option for Texas drivers who struggle to get a standard policy. Its Texas page offers SR-22 filings, high-risk and non-standard coverage, policies for drivers with bad credit, and non-owner insurance, and it stresses that its bilingual agents can help even if your driving record is not perfect. Help is available in person at nearby local offices, online or by phone at 877-405-7102. Discounts listed include safe driver, good student, low mileage and military or first responder savings, and bundling auto and home can take up to 25% off the combined premium. The page also publishes Texas cost estimates: the cheapest liability insurance costs around $65 a month, and full coverage averages about $230 a month. Those are statewide estimates rather than Acceptance offers, so treat them as a guide. Drivers with clean records will usually find more coverage features and better claims tools at the insurers ranked above it.

   • ✓Lowest published Texas liability figure on this list
   • ✓In-person help at local offices
   • ✓Writes drivers other insurers turn away

   • ✕Its price figures are statewide estimates, not its own quotes
   • ✕Fewer coverage extras than standard insurers
   • ✕Best suited to drivers with imperfect records

   Cheapest liability estimate:

   About $65 a month

   Full coverage estimate:

   About $230 a month

   Agents:

   Bilingual

   Phone:

   877-405-7102

   Bottom line: Acceptance is the best Texas pick for drivers who need an SR-22 or have a rough record and want an agent who speaks Spanish. Clean-record drivers should start higher on this list.

   Visit acceptance.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.