Car Insurance in Texas: a Data-Based Guide

Below are recommendations for insurance coverage based on your area’s accident and insurance data. All DecisionData.org recommendations are based on Texas data and estimates. The best insurance options for you may vary based on your personal driving record and finances.

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Accidents per Person

Texas

~21 per 1,000 people

USA

~17 per 1,000 people

Should I get cheap car insurance in Texas?

Maybe not. Texas ranks #16 out of 51 for most accidents per person. This estimate suggests that cheap car insurance may not be a good idea based on the above average rate of accidents. We recommend you avoid low-deductible plans and providers known for low premiums. See providers below for more help.

Accidents per Mile

Texas

~2.4 per million miles

USA

~1.8 per million miles

How much liability coverage should I get?

Probably more than the minimum. Texans drive an average of 9,017 per person in the state, which is below the national average of about 9,490. Whether due to long commutes, weather conditions, or bad roads, Texans on average get in more accidents per mile driven. Consider your commute, and think about higher liability coverage.

Uninsured drivers

Texas

13.3% uninsured

USA

12.6% uninsured

Should I get comprehensive or liability-only insurance?

Consider comprehensive insurance, also known as standard insurance. Texas ranks 19th highest in the nation for uninsured drivers. Because there are more uninsured drivers in Texas, you may want to choose comprehensive insurance, even if your car is paid for and can be replaced without financial strain.

Insurance Cost in Texas

Based on the data above, we estimate Texas is 39th out of 51 in affordability. Cheap insurance might be a possibility, but only with a clean driving record.

Note on data bars above: The top of each red bar above is the highest value in any state, and the bottom is always 0.

 

Insurance Providers in Texas

Provider Benefit summary Customer Rating Purchase link
Geico Low pricing, but sub-par service View plans
Nationwide The best coverage and satisfaction most customers can get; higher premiums View plans
State Farm Good customer service and repair handling; moderate premiums View plans
USAA Superior overall service and pricing – but only available to military members and their families View plans
Progressive High settlement values; low premiums; fair customer service View plans
Allstate Good appraisal process and car rental handling; higher-than-average price View plans
esurance No benefit above average – not recommended View plans
Liberty Mutual Slightly above average in all areas, very high premiums View plans

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Additional sources