Compare 12+ Texas
auto insurance carriers
Texas drivers overpay an average of $548/year by sticking with one carrier. Compare side-by-side in 60 seconds. ZIP-only — no SSN.
See 12+ Texas rates
Top 8 Texas carriers, side-by-side
Estimated monthly rates for a 35-year-old driver, clean record, full coverage, $500 deductible. Sort any column.
U USAA A.M. Best A++ | 4.9 | $102 /mo |
G GEICO A.M. Best A++ | 4.6 | $118 /mo |
P Progressive A.M. Best A+ | 4.5 | $125 /mo |
T Travelers A.M. Best A++ | 4.5 | $128 /mo |
M Mercury A.M. Best A | 4.3 | $132 /mo |
S State Farm A.M. Best A++ | 4.7 | $143 /mo |
F Farmers A.M. Best A | 4.2 | $158 /mo |
A Allstate A.M. Best A+ | 4.4 | $168 /mo |
Top TX cities
Average TX driver overpays $564/year
By comparing carriers side-by-side instead of auto-renewing. The same coverage, identical risk profile, materially different rate.
- → Same liability limits
- → Same $500 deductible
- → Same A-rated carrier balance sheet
- → Different premium · same protection
Three steps. Sixty seconds.
We use your ZIP, age, and vehicle to surface carriers writing in your specific neighborhood. No SSN, no credit pull.
12+ A-rated carriers ranked by your monthly rate. Sort by price, deductible, or rating — all in one table.
Connect directly with the licensed carrier you choose. They handle underwriting, ID cards, and the actual policy. We don't bind.
Common questions
What you need to know about Texas auto insurance
→Texas requires 30/60/25 minimum liability — higher than most states.
→Texas has 12.4% uninsured drivers — buy UM/UIM coverage.
→Hail damage is the #1 comprehensive claim driver in TX.
→Texas is a tort/at-fault state — the at-fault driver pays.
Texas drivers benefit most from comparing rates every 6 months at renewal — not annually. Carriers re-rate each renewal cycle, and your premium can shift even when nothing about your driving record changed. The single biggest predictor of overpayment is staying with the same carrier 3+ years without re-shopping. Our comparison engine surfaces 12+ carriers writing in your specific ZIP at once.
Get your TX quote in 60 seconds
12+ carriers · No SSN · Average savings $548/yr