{"id":4562,"date":"2021-10-14T20:08:22","date_gmt":"2021-10-14T20:08:22","guid":{"rendered":"https:\/\/www.cars.com\/?page_id=4562"},"modified":"2022-02-21T22:51:23","modified_gmt":"2022-02-21T22:51:23","slug":"best-car-insurance-companies-in-texas","status":"publish","type":"page","link":"https:\/\/live.cars.com\/explore\/insurance\/best-car-insurance-companies-in-texas\/","title":{"rendered":"Best Car Insurance Companies in Texas"},"content":{"rendered":"\n<section id=\"page-heading\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group sds-page-section__header news-index-header\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"sds-breadcrumb wp-block-list\"><li><a class=\"\" href=\"https:\/\/www.cars.com\">Home<\/a><\/li><li><a href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies\/\">Insurance<\/a><\/li><li>5 Best Car Insurance Companies in Texas for 2022<\/li><\/ul>\n\n\n\n<section class=\"author-content-container\">\n  <div class=\"author-content\">\n    <div class=\"author-content-byline\">\n      <a class=\"sponsor-logo\" href=\"https:\/\/money.com\" rel=\"sponsored\">\n        <img decoding=\"async\" alt=\"Money.com logo\" src=\"https:\/\/images.cars.com\/cldstatic\/wp-content\/uploads\/money.com_.png\">\n      <\/a>\n      <div>Sponsored by Money.com<\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h1 class=\"sds-heading--display wp-block-heading\" id=\"5-best-car-insurance-companies-in-texas-for-2022\">5 Best Car Insurance Companies in Texas for 2022<\/h1>\n<\/div><\/section>\n\n\n\n<section id=\"zip-module\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"ca-widget\" data-token=\"r576268d1933\"><\/div>\n<script async=\"\" defer=\"\" src=\"https:\/\/www.consumersadvocate.org\/embeds\/embedder.js?v=1\"><\/script>\n<\/div><\/section>\n<\/div><\/div>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<section id=\"insurance-intro\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\">There are nearly 16 million licensed drivers in the state of Texas. That\u2019s the second most in the U.S., trailing only California. Texas also ranked toward the top of another list, but it\u2019s not a welcome distinction. The Lone Star State tied for seventh (with South Carolina) in a <a href=\"https:\/\/smartasset.com\/checking-account\/states-worst-drivers-2020\">2020 study<\/a> of the states with the worst drivers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That makes car insurance expensive in Texas. The average car insurance premium in Texas is $1,810 per year \u2014 26.8% more than the U.S. average. The good news is you can still find good rates by comparing car insurance companies and getting quotes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve narrowed down the best car insurance companies in Texas. Keep reading to learn more about these top five car insurance options for Texas drivers.<\/p>\n<\/div><\/section>\n\n\n\n<section id=\"map-section\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"ca-widget\" data-token=\"t174dc032879\"><\/div>\n<script async=\"\" defer=\"\" src=\"https:\/\/www.consumersadvocate.org\/embeds\/embedder.js?v=1\"><\/script>\n<\/div><\/section>\n\n\n\n<section id=\"The-Best-Car-Insurance-Companies-in-Florida\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"where-to-get-the-best-car-insurance-in-texas\">Where to Get the Best Car Insurance in Texas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for Customer Service:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u08dd6da253c\" target=\"_blank\" rel=\"sponsored\">Allstate<\/a><br><strong>Best for Customization:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u4afe0eeb2ff\" target=\"_blank\" rel=\"sponsored\">Progressive<\/a><br><strong>Best for Good Drivers:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/o5edb6303fe9\" target=\"_blank\" rel=\"sponsored\">Root<\/a><br><strong>Best for Discounts:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u051f16d9557\" target=\"_blank\" rel=\"sponsored\">State Farm<\/a><br><strong>Best for Comparing Rates:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/iea322b09639\" target=\"_blank\" rel=\"sponsored\">Insurify<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Allstate\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"compare-car-insurance-companies-in-texas\">Compare Car Insurance Companies in Texas<\/h2>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-customer-service-allstate\"><strong>Best for Customer Service:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u08dd6da253c\" target=\"_blank\" rel=\"sponsored\">Allstate<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">One of the biggest indicators of a good car insurance company is its customer service. Allstate is known as a leader in providing help to its customer base. First, customers have 24\/7 access to phone support. Yes, you\u2019d rather not have to use it, but it\u2019s nice to know there\u2019s help when you need it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Support is also available through local agents and digitally through your online account portal and Allstate\u2019s mobile app.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Again, no one wants to file an insurance claim, but Allstate makes it as painless as possible with the ability to start a claim online or through the app. You can take photos of your vehicle damage and upload them directly into the app. There\u2019s also a tracking function online and through the app, so you always know where your claim stands.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Texas:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The average premium for Texas drivers through Allstate is $96 per month. This is significantly lower than the statewide average across all insurers. The average car insurance rate in Texas is $1,810 per year, or roughly $151 per month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind the amount will vary based on the city you live in and your driver profile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Collision<\/li><li>Comprehensive<\/li><li>Liability<\/li><li>Medical payments<\/li><li>Uninsured motorists<\/li><li>Underinsured motorists<\/li><li>Sound system<\/li><li>Roadside assistance<\/li><li>Personal injury protection<\/li><li>Personal umbrella<\/li><li>Rental reimbursement<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Antilock brake discount<\/li><li>Antitheft device discount<\/li><li>Multiple policy discount<\/li><li>Early signing discount<\/li><li>Responsible payer discount<\/li><li>Smart student discount<\/li><li>New-car discount<\/li><li>EZ pay plan discount<\/li><li>Allstate eSmart discount<\/li><li>Pay-in-full discount<\/li><li>Safe driving club discount<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 832<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each year, J.D. Power releases an auto insurance study that ranks insurers based on customer satisfaction based on regions of the U.S. Some states are large enough to count as their own region, including Texas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2020, Allstate ranked seventh (a score of 832 out of 1,000) in customer satisfaction in Texas in the J.D. Power 2020 U.S. Auto Insurance Study, slightly below the regional average.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A+<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allstate received an A+ (superior) financial strength rating from AM Best, a trusted credit rating agency. Financial strength ratings measure an insurance company\u2019s ability to meet contractual obligations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u08dd6da253c\" target=\"_blank\" rel=\"sponsored\">Get a Car Insurance Quote From Allstate<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Progressive\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-customization-progressive\"><strong>Best for Customization:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u4afe0eeb2ff\" target=\"_blank\" rel=\"sponsored\">Progressive<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Everyone has different car insurance needs, which is why so many people trust Progressive and its customizable insurance coverage. Progressive\u2019s Name Your Price Tool lets customers choose the coverage that fits their budget. You tell Progressive how much you want to pay, and the tool shows you options you can afford.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Besides customizing insurance coverage, Progressive gives customers another way to save money through a host of driver discounts. There are discounts available for almost every driver. Progressive\u2019s Snapshot program personalizes your insurance rates based on your driving performance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Texas:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The average premium for Texas drivers through Progressive is $54 per month. This is significantly lower than the statewide average across all insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Liability coverage<\/li><li>Comprehensive<\/li><li>Collision<\/li><li>Uninsured motorist<\/li><li>Underinsured motorist<\/li><li>Medical payments<\/li><li>Loan\/lease payoff<\/li><li>Rental car reimbursement<\/li><li>Custom parts and equipment value<\/li><li>Ride-hailing coverage<\/li><li>Roadside assistance<\/li><li>Deductible savings bank<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Multipolicy discount<\/li><li>Multicar discount<\/li><li>Continuous insurance discount<\/li><li>Safe driver discount<\/li><li>Teen driver discount<\/li><li>Good student discount<\/li><li>Distant student discount<\/li><li>Homeowner discount<\/li><li>Online quote discount<\/li><li>Sign online discount<\/li><li>Paperless discount<\/li><li>Pay-in-full discount<\/li><li>Automatic payment discount<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 848<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Progressive ranked second (a score of 848 out of 1,000) in customer satisfaction in the Texas region of the J.D. Power 2020 U.S. Auto Insurance Study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A+<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Progressive received an A+ (superior) financial strength rating from credit rating agency AM Best. A+ (superior) is one of the highest ratings possible from AM Best and shows that Progressive is known for meeting contractual obligations with its customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u4afe0eeb2ff\" target=\"_blank\" rel=\"sponsored\">Save on Car Insurance With Progressive<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Root\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-good-drivers-root\"><strong>Best for Good Drivers:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/o5edb6303fe9\" target=\"_blank\" rel=\"sponsored\">Root<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Most car insurance companies base insurance rates on factors like where you live, your age, marital status and even your credit. Root\u2019s insurance premiums are based primarily on your driving record. There\u2019s also an option to use your phone app to take a driving test to save money. If you have a clean driving record, you could keep more of your money in your pocket by choosing Root.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Root also excels because of its roadside assistance coverage, included in every car insurance policy. You can use Root\u2019s mobile app to request assistance no matter where you are.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Texas:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The average premium for Texas drivers through Root is $96 per month. This is significantly lower than the statewide average across all insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Liability<\/li><li>Collision<\/li><li>Comprehensive<\/li><li>Personal injury protection<\/li><li>Medical payments<\/li><li>Rental car<\/li><li>Roadside assistance (included with all policies)<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong> Root doesn\u2019t offer any extra discounts. Instead, the company says its discounts are built into your final quote.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> A+<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Root is not ranked in the Texas region of the J.D. Power 2020 U.S. Auto Insurance Study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The insurance company has an A+ rating from the Better Business Bureau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> Not rated<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Root Insurance is not rated by AM Best.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/o5edb6303fe9\" target=\"_blank\" rel=\"sponsored\">Save Money on Your Car Insurance<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"State-Farm\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-discounts-state-farm\"><strong>Best for Discounts:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u051f16d9557\" target=\"_blank\" rel=\"sponsored\">State Farm<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With State Farm\u2019s discounts, there are many ways to lower the cost of your monthly premiums. There are discounts for safe driving, students, adding safety devices to your vehicle and being a loyal State Farm customer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although State Farm is almost 100 years old, one of its best features is a modern twist on insurance coverage. State Farm is one of the few insurance companies to feature ride-hailing coverage. If you use your personal vehicle to drive for a ride-hailing company like Lyft or Uber, you may need extra coverage. With State Farm\u2019s ride-hailing insurance, you\u2019re covered beyond what ride-hailing companies offer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Texas:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The average premium for Texas drivers through State Farm is $113 per month. This is significantly lower than the statewide average across all insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Collision<\/li><li>Comprehensive<\/li><li>Liability<\/li><li>Car rental and travel expenses<\/li><li>Uninsured motorist<\/li><li>Underinsured motorist<\/li><li>Medical payments<\/li><li>Roadside assistance<\/li><li>Ride-hailing<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Drive-safe-and-save discount<\/li><li>Steer clear discount<\/li><li>Accident-free discount<\/li><li>Defensive driving course discount<\/li><li>Good student discount<\/li><li>Good driving discount<\/li><li>Driver training discount<\/li><li>Student-away-at-school discount<\/li><li>Vehicle safety discount<\/li><li>Passive restraint discount<\/li><li>Antitheft discount<\/li><li>Multiple auto discount<\/li><li>Multiple line discount<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 844<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">State Farm ranked fourth (a score of 844 out of 1,000) in customer satisfaction in the Texas region of the J.D. Power 2020 U.S. Auto Insurance Study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial strength rating:<\/strong> A++<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">State Farm received an A++ (superior) financial strength rating from AM Best, the highest possible rating through the credit rating agency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u051f16d9557\" target=\"_blank\" rel=\"sponsored\">Get Car Insurance Coverage That Fits Your Needs<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Insurify\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-comparing-rates-insurify\"><strong>Best for Comparing Rates:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/iea322b09639\" target=\"_blank\" rel=\"sponsored\">Insurify<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurify is not a car insurance company, but it can help you find the cheapest rates. The insurance comparison platform uses the latest artificial intelligence technology to provide users with dozens of car insurance rate quotes at one time. Quotes are customized to your profile and driver history. In some cases, you can even see what discounts you qualify for with insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comparing multiple insurers at once not only saves time, but it gives you a chance to find the cheapest rates. According to Insurify, its customers save an average of $585 annually by going through its site for car insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Texas:<\/strong><br>Average insurance premiums through Insufiy depend on specific insurance companies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><br>As a car insurance comparison site, coverage availability depends on the specific car insurance company.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><br>Specific car insurance discounts through Insurify depend on the car insurance company.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 4.8 Out of Five Stars<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because it\u2019s a car insurance comparison platform, it is not included in the J.D. Power 2020 U.S. Auto Insurance Study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurify has 4.8 stars out of a five-star customer satisfaction rating on ShopperApproved (2,900+ reviews).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> N\/A<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurify isn\u2019t an insurance company and is not rated by AM Best for its financial strength.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/iea322b09639\" target=\"_blank\" rel=\"sponsored\">Compare Insurance Quotes With Insurify<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"How-We-Chose\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"how-we-chose-the-best-car-insurance-options-in-texas\">How We Chose the Best Car Insurance Options in Texas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We considered several factors when rating the best car insurance companies in Texas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Average Texas insurance rates are notably higher than the national average, so it was important to include companies that offer competitive pricing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We compared the average insurance premiums of individual insurers against the state average. We also weighed important items like coverage, features, discounts, customer satisfaction and financial stability to determine the state\u2019s best insurance companies.<\/p>\n<\/div><\/section>\n\n\n\n<section id=\"What-You-Need-to-Know\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"what-you-need-to-know-about-texas-coverage\">What You Need to Know About Texas Coverage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The state of Texas requires all motor vehicle owners to carry at least the following minimum amounts of auto liability insurance coverage:<\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>$30,000 bodily injury liability per person<\/li><li>$60,000 bodily injury liability per accident<\/li><li>$25,000 property damage liability per accident<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Your auto lender may also require you to carry physical damage insurance coverage.<\/p>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"what-if-i-can-t-afford-insurance-in-texas\">What If I Can\u2019t Afford Insurance in Texas?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are no state-sponsored car insurance programs for low-income drivers in Texas who can\u2019t afford the minimum auto insurance requirements. You need minimum car insurance coverage to legally drive a vehicle in Texas, regardless of your situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Texas drivers can lower insurance costs by maintaining a good driving record, building up their credit, comparing insurance companies for the best rates and choosing a vehicle that costs less to insure.<\/p>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"what-if-you-re-a-high-risk-driver-in-texas\">What If You\u2019re a High-Risk Driver in Texas?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are a high-risk driver, there\u2019s a chance that you won&#8217;t qualify for insurance coverage with insurance companies because of your driving record. If that\u2019s the case, you may be eligible for minimum coverage through the Texas Automobile Insurance Plan Association.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To qualify for TAIPA insurance, drivers must:<\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Possess a valid driver license or request an SR-22 to obtain a valid license<\/li><li>Be a resident of Texas or have a vehicle registered in Texas<\/li><li>Certify that they have been rejected for insurance by two companies within the last 60 days<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Select military members and college students may also qualify for coverage through TAIPA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Note that state-sponsored program insurance premiums may be higher than other insurers. You may qualify for traditional car insurance through other carriers as you improve your driving record.<\/p>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"what-are-texas-laws-regarding-noninsurance\">What Are Texas\u2019 Laws Regarding Noninsurance?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are caught driving without insurance in Texas, you could face:<\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Fines between $175 and $350 for first offenses<\/li><li>Fines up to $1,000 for subsequent offenses<\/li><li>Impoundment of your car<\/li><li>Suspension of your car\u2019s registration<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s also the possibility that your driver\u2019s license will be suspended if you aren\u2019t adequately insured.<\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Final-Thoughts\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"final-thoughts\">Final Thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Shopping for car insurance isn\u2019t fun, but it\u2019s a necessity if you are a Texas driver. To find the right car insurance company, take time to shop around, comparing quotes from several insurers to find the best option.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Several factors go into car insurance rates, like where you live, the vehicle you drive and your driving history. Look at details like deductibles, available discounts, customer service and digital tools before choosing an insurance company.<\/p>\n<\/div><\/section>\n\n\n\n<div id=\"Disclaimer\" class=\"wp-block-group ticss-57262c78 sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"sponsored-disclaimer\">\n<a class=\"sponsor-logo\" href=\"https:\/\/money.com\" rel=\"sponsored\">\n<img decoding=\"async\" alt=\"Money.com logo\" src=\"https:\/\/images.cars.com\/cldstatic\/wp-content\/uploads\/money.com_.png\">\n<\/a>\n        <div>This advertisement was sponsored by <a href=\"https:\/\/money.com\" rel=\"sponsored\" target=\"_blank\" aria-describedby=\"audioeye_new_window_message\">Money.com<\/a>. Cars.com reporters and reviewers do not participate in the creation of sponsored articles.<\/div>\n      <\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<section class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-is-car-insurance\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"533\" data-public-id=\"wp\/editorial\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_533,c_scale\/f_auto,q_auto\/v1621545515\/wp\/editorial\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4561\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1621545515\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Is Car Insurance? Average Car Insurance Cost in 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-warranty-companies\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"485\" data-public-id=\"wp\/editorial\/ConsumerAdvocate-warranty-article\/ConsumerAdvocate-warranty-article.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_485,c_scale\/f_auto,q_auto\/v1630015453\/wp\/editorial\/ConsumerAdvocate-warranty-article\/ConsumerAdvocate-warranty-article.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4574\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1630015453\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">7 Best Car Warranty Companies of 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-does-an-extended-car-warranty-cost\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"533\" data-public-id=\"wp\/editorial\/sponsored-extended-car-warranty-cost\/sponsored-extended-car-warranty-cost.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_533,c_scale\/f_auto,q_auto\/v1621545505\/wp\/editorial\/sponsored-extended-car-warranty-cost\/sponsored-extended-car-warranty-cost.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4571\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1621545505\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Does an Extended Car Warranty Cost?<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-motorcycle-insurance-companies\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">5 Best Motorcycle Insurance Companies of 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-is-motorcycle-insurance\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Is Motorcycle Insurance? Average Motorcycle Insurance Cost in 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-insurance-by-state\">Best Insurance by State:<\/h3>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-california\/\">California<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-florida\/\">Florida<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-illinois\/\">Illinois<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-michigan\/\">Michigan<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-new-jersey\/\">New Jersey<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-pennsylvania\/\">Pennsylvania<\/a><\/li><\/ul>\n<\/div><\/section>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Home Insurance 5 Best Car Insurance Companies in Texas for 2022 Sponsored by Money.com 5 Best Car Insurance Companies in Texas for 2022 There are nearly 16 million licensed drivers in the state of Texas. That\u2019s the second most in the U.S., trailing only California. Texas also ranked toward the top of another list, but <a href=\"https:\/\/live.cars.com\/explore\/insurance\/best-car-insurance-companies-in-texas\/\" class=\"entry__more-link\">[&hellip;]<\/a><\/p>\n","protected":false},"author":1,"featured_media":4563,"parent":4034,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_crdt_document":"","inline_featured_image":false,"_cloudinary_featured_overwrite":false,"footnotes":""},"class_list":["entry","entry--4562","entry--type-page","entry--status-publish","entry--author-knesbit","has-post-thumbnail"],"acf":[],"_links":{"self":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4562","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/comments?post=4562"}],"version-history":[{"count":0,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4562\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4034"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/media\/4563"}],"wp:attachment":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/media?parent=4562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}