USAA and Farm Bureau are the best auto insurance companies in Texas, thanks to their affordable rates and the best customer service ratings. The tables below show the cheapest auto insurance companies and the estimated costs for young drivers in Texas. While it's not the most expensive state in terms of coverage, a car insurance policy in Texas can still be expensive. Texas auto insurers are required to offer coverage for uninsured drivers (UM), coverage for underinsured motorists (UIM), and personal injury protection (PIP), all of which you can deny in writing.
The average car insurance rates in Texas increase by 10% for a driver with only one speeding ticket on their record. Drivers in Texas who have an at-fault accident on their record pay 53% more for car insurance than if they didn't have a clean record. Teenage drivers are more likely to have accidents than more experienced drivers, which is why insurance companies charge them higher insurance rates. Farm Bureau has the cheapest car insurance quotes for teen drivers in Texas after a speeding ticket or accident.
On average, Redpoint Insurance and Texas Farm Bureau offer the cheapest full-coverage auto insurance rates for 17-year-old drivers in the Lone Star State. The property offered on the bond must be worth at least the same as the insurance amounts required by the state's minimum liability auto insurance requirements. The best auto insurance companies balance affordability and reliable service to provide drivers with great value for money. Farm Bureau has the cheapest car insurance rates for most Texas drivers, including drivers with a previous incident, older drivers, and teens.
However, Texas also has several major cities with a lot of traffic, which increases the risk of car accidents and thefts, so drivers who live in these areas may have more expensive rates. USAA offers cheap car insurance in Texas to military personnel, veterans and their immediate family members.