Are you living in Texas and having a hard time deciding what kind of car insurance would work best for you? This article will serve as a guide for you to decide on the best car insurance in Texas
A car can be considered a part of the modern Texan landscape. Currently, there are more than 22 million registered vehicles in the state of Texas. With this huge number, Texas can be called “the land of drivers”. Texans drive to work, they drive to the shops, they drive to visit family and friends, and they drive to drop the kids off at school or to weekend sports.
Since driving is so deeply rooted in the daily routine of Texans, making sure their daily drives are insured by the best car insurance in Texas against everything from car park accidents, to storm damage, to more serious accidents, is a sensible way to help them get back on the road sooner without getting swindled by expensive repair fees.
The Lone Star State is very busy with people rushing at every hour and when you’re driving on the open roads of Dallas while being surrounded by traffic just inches away from your car and of course the large highways with speeding cars racing past yours you’ll want to be covered by the best car insurance possible.
When you buy or lease a car, it’s important to protect that investment. And the best way to protect your investment instead of paying out-of-pocket for car accidents is by getting insurance. People pay annual installments to a car insurance company; the company then pays all or most of the costs related to that car accident or other vehicle damage.
Not all car insurance companies are created the same way and with so many choices out there, different tiers of cover; different inclusions. It can be extremely hard to narrow down your options.
This article will serve as an all-in-one guide, after reading it you’ll be able to make a better choice for yourself. There’s no need to worry if you’re confused or having a hard time deciding, this article will help you out in knowing all there is to know about car insurance and the best car insurance in Texas.
Table of Contents
- 1 What is the best car insurance in Texas?
- 2 Nationwide
- 3 Allstate
- 4 How can you find the best car insurance in Texas?
- 5 How to buy car insurance in Texas
- 6 Car insurance discounts in Texas
- 7 Final thoughts
What is the best car insurance in Texas?
Drivers in Texas have a large number of choices for car insurance, but with so many choices available, finding the best car insurance for your specific needs could be a difficult challenge. Choosing the right car insurance company according to your circumstances depends on many elements, from ensuring the right type of insurance that covers your required finances to finding the best discounts and most complimentary rates. This article is here to help drivers get over the confusion and help you find the insurance that most befittingly aligns with your driving needs.
Different insurance providers provide their clients with varying extents of service and satisfaction. Here are the top Insurance companies for the year 2022 in Texas.
- State Farm
USAA, Geico, and State Farm are ranked as the best in Texas because of their customer service, standard rates gathered by Quadrant Information Services, and overall customer gratification, according to the 2021 J.D. Power’s U.S. Auto Insurance Satisfaction.
USAA is one of the most well-regarded insurance companies not just in the state of Texas but also in the entire US. United Services Automobile Association, or USAA, provides policies for currently active or retired military members and their kin group. With great and exclusive deals on car insurance installments, if you fit into one of the mentioned categories, you should consider getting an offer from USAA. The company has more to offer than just great rates, it’s also cherished for its customer service.
This car insurance company offers more than just car insurance policies, it’s a financial services company that provides banking, insurance, investment, and retirement products in all 50 states, the District of Columbia, and Puerto Rico. USAA initially started in 1922 when 25 army officers couldn’t get car insurance elsewhere and decided to insure each other.
With a fully functional and well-adapted modern setup; website and mobile apps, USAA insurance ranks high in customer gratification and service ranking in addition it also welcomes additional features like roadside assistance and rental car compensation, as well as perks and discounts customized specifically for military families.
Is USAA a good insurance company?
USAA is one of the most reliable and cheap car insurance companies for the people of Texas. That is why it is featured on our list of best car insurance in Texas. USAA manages to stand out making it a pretty good choice for eligible drivers looking for economic insurance coverage. It also has a well-established reputation for great customer service. Unlike other insurance providers, USAA is only offered to drivers who are affiliated with the military.
In addition to having a great reputation amongst its customers due to its services, USAA has the best pricing and is rated as the best car insurance provider for 2022. customers of USAA spend $1,000 yearly on average for covering their insurance, which is over 35% less than the national average. But there are of course some pros and cons to every company.
- Offers its services in every state including the District of Columbia
- Often has some of the cheapest car insurance rates in comparison to any other company
- Drivers can effectively use discounts to lower their estimated rates
- It proves to consistently provide great immense customer gratification
- Limited options for adding extra coverage
- Only available to members of the military, veterans, and their families
Geico stands in second place in our ranking which reflects the company’s first-grade customer service, cost, coverage options, and discounts. Geico offers a very convenient online platform where you can easily file a claim online or use its mobile app. Its mobile applications are top-notch which has a 4.8 out of 5-star rating for the Apple version and a 4.6 out of 5-star rating for the Android version.
Geico provides multiple ways for its Texas policyholders to save money on their car insurance, including discounts for having a car equipped with safety features like airbags, anti-theft devices, and accident-free drivers also if you are a member of the military or hold kinship with a military member you can avail discounts, there are also some other convenient policies for its applicants.
Is Geico a good insurance company?
Geico is an insurance company that is up to the mark for most of the parts. If you’re looking for an affordable car insurance policy, and you’re comfortable managing your accounts online when an agent isn’t nearby, Geico might be the right choice for you.
- Second-lowest comparable rates compared to other companies
- Lowest rates for drivers with poor solvency
- Gets fewer complaints than expected for its service
- Allows drivers to add different types of useful coverages to a basic policy
- Higher than average rates for drivers who drive under the influence
- Mixed reputation for claims satisfaction
Claiming third place in our article. State Farm offers Texans a range of the usual as well as optional car insurance coverage types such as emergency road service, car rental, and travel expense coverage.
State farm also dishes out convenient online services for drivers who enjoy digitally filing and tracking claims may find state farm’s simple mobile app quite delightful. In addition to that, if you open a State Farm bank account, you can use the company’s multi-purpose app to perform several tasks like making a deposit, paying bills, and transferring funds. Compared to some of the other insurance providers on this list, State Farm’s discounts are fairly average, as they don’t provide many opportunities of saving some money that other car insurance policies offer.
Is state farm insurance good?
State Farm Insurance is comparatively good car insurance for most drivers. That is the reason for it being third on our list of best car insurance in Texas. It also has an above-average score in each of the subcategories that we analyzed, including customer satisfaction, claims handling, policy renewals, and customer recommendations.
State Farm also has economically friendly rates and ranks No. 3 in our analysis of being the cheapest car insurance company in Texas. On average State, Farm customers pay $1,267 a year for coverage, about 17% less than the national average of $1,529. USAA and Geico are the only two insurers in our analysis that offer lower average rates.
- Coverage is available in nearly every state
- Cheap car insurance, which includes some high-risk drivers
- Maintains consistently high customer service ratings
- Offers some discounts, especially for good drivers
- Offers good discounts to teens and students
- Doesn’t offer as many coverage options as other car insurance companies in Texas
Nationwide is known for its ingenious programs and for offering more coverage than other car insurance companies. In addition, it offers options for diverse needs, budgets, and goals. You can also avail different types of discounts and it also offers digital resources to help you manage your car insurance policy.
As a Texan, you can also take advantage of features such as the “On Your Side”’ service, and Nationwide’s free annual insurance consultation with a licensed representative to be dynamic about adapting your insurance to your life.
Texas car insurance discounts can help people save by lowering their monthly installments. Nationwide offers many discounts like multi-policy, good student, defensive driving, safe driver, anti-theft discounts, and more.
Is nationwide a good car insurance company?
Nationwide is a good insurance company for most drivers. It offers unique coverage options for drivers and usage-based programs to lower the cost of car insurance.
It has quite a few unique characteristics and features like strong financial backing. It has the financial backing to pay out customer claims encompassing a variety of car insurance coverage options: This company provides a range of add-on coverage options including gap insurance and accident forgiveness.
In addition, drivers can take advantage of the company’s many discount opportunities and usage-based programs.
- High grades for retaining customers
- Superior ratings for processing claims and customer service
- Offers many discounts
- More expensive than many competitors’ minimum coverage rates
- Higher-than-average insurance costs for under-the-influence drivers
Allstate has a huge market share which allows the company to employ over 12,000 representatives throughout the country. Allstate’s strong network of representatives in Texas provides excellent customer care service by recognizing your local needs and giving you a car insurance estimate that best fits your needs, your budget, and what are your long-term goals. Allstate’s premiums are considered pretty high grade which is why we have featured it on our list of best car insurance in Texas. With Allstate, you can also save on your installments by qualifying for some of the car insurance discounts that Allstate offers in Texas, including multiple policies, new car discounts, and automatic payments
Is Allstate a good insurance company?
Allstate offers many discounts and features and has generally celebrated customer service. But it’s rates often cost much more compared to other companies.
Allstate offers a decent amount of discounts and features, making it quite a convenient car insurance company in Texas. The company also has strong customer satisfaction which is one of the reasons it is listed as one of the best car insurance companies in Texas.
- Multiple opportunities to save money on car insurance along with teen driving discounts
- Depending on how good your drive is, it gives discounts
- Safe driving bonus
- Wide variety of exclusive digital tools and apps to help Allstate policyholders understand their car, home, and life insurance policies and build a comprehensive plan
- Policies are available through an extensive network of agents as well as online
- Average rates for car insurance are more expensive compared to average rates offered by other insurance companies.
- It does not have good reviews according to our analysis in terms of customer satisfaction
How can you find the best car insurance in Texas?
With so many insurance companies to choose from, coverage options, and discounts, looking for car insurance can feel quite prodigious. Thankfully, there are some steps you can start with to make the process convenient and fruitful in the long term.
Considering lender requirements
Although drivers in Texas are bound to hold at least a small amount of liability insurance, you may have some other requirements as well, if your car is bought on loan or you have leased it. In this situation, the company that is handling your financial monetary transactions may also require you to acquire collision and comprehensive coverage. This will ensure that your car is insured in case it is met with an accident of any kind.
Consider your sole needs
Every driver is disparate, which means that everyone’s insurance requirements differ from one another. The first step to finding the best car insurance in Texas is to decide what factors or conditions are your main concerns.
For example, if you have a new car, you may want to search for a company that offers features like new car replacement and gap coverage. Gap coverage or gap insurance is an optional car insurance coverage that helps pay off your car loan if your car is damaged or stolen and you owe more than the car’s depreciated value which is the cost of the car after it is devalued due to usage.
However, this is only implied if you have a loan or a lease. If you are confident enough and like to handle your insurance yourself, a company that has a strong online presence or a well-designed and well-equipped mobile app then it may also be a good fit.
How to buy car insurance in Texas
The citizens of Texas have a requirement that whoever owns a vehicle in the state should be able to pay for the damage they may cause in an accident. The best way to meet this requirement is to have car insurance as it is highly economical in comparison to having to pay a large fee to car mechanics which often overcharge.
Texas minimum levels of accountability insurance
- $30,000 per person/$60,000 per accident for bodily injury accountability
- $25,000 for property damage liability
Drivers who don’t have at least the minimum levels of liability insurance or higher and cause an accident will receive a summon to appear in court.
Drivers that don’t have insurance may also have their driver’s license suspended for up to two years or face other penalties. This still hasn’t stopped some people, and about 20% of Texas drivers are uninsured.
Texas only requires drivers to pay basic bodily injury and property damage accountability coverage. This means drivers who purchase the minimum required levels of insurance don’t have to pay for damage to their vehicle and they have no protection against uninsured or underinsured drivers.
Comprehensive and collision coverage; which are events outside of your control, will pay to repair or replace your vehicle in the event of jeopardy, while uninsured and underinsured car coverage will protect you if the person who hits your car doesn’t have insurance. These coverages can be purchased for an additional cost as part of your insurance policy.
While some states have programs that allow low-income residents to purchase insurance at reduced rates, Texas is not one of them.
Texans who are looking for more affordable car insurance should discuss different aspects with an insurance expert to compare estimates from multiple companies to make sure they are getting the lowest possible rate of car insurance.
Car insurance discounts in Texas
Although all-encompassing car insurance in Texas is quite expensive in comparison to the national average rate, there are still some ways you can save money on car insurance rates. Most insurance companies offer discounts that can lower your installments. Although car insurance discounts vary by different companies, some common possibilities in Texas are
Some companies offer programs by which they track your driving practices with a mobile app or plug-in device. Based on the data they receive on your driving attributes, you may earn a personalized discount. These programs can save you money and help you drive carefully and keep a check on your driving mistakes. By being a good driver on the road you can earn discounts on your car insurance in Texas.
These are some of the very substantial saving opportunities that companies offer. If you package your car insurance with your home, apartment, or renters insurance, you could see a notable decrease in the price of both policies. You can avail of up to a 15-25% discount based on your insurance company through a multi-policy discount
Teenage drivers or young drivers have to face one of the highest insurance rates as they have fewer years of experience in comparison to adults who have a lot more experience. If you have a teen or college-age driver registered on your policy, you may be able to take advantage of an adequate student discount, driver training discount, or a faraway student discount to lower your installments.
Paying all your installments at once can save you some money. Also if you sign up for automatic payments you can save up some money. Some companies are generous enough to offer a discount for receiving billing statements through email or online accounts. Additionally, if your car is equipped with protection features which can include anti-theft devices and anti-lock brakes, you may be allowed a safe car discount that lowers your installments.
Although many companies report their discounts online, opportunities for saving any extra bucks can be different according to your location. As we know Texas is a huge state, so it may be better to talk to a company agent about the ways you can save money or avail discounts on their insurance policies.
Most states in the USA have laws requiring drivers to have car insurance and Texas is one of them. However, having insurance is a very efficient way of saving money and can be very beneficial in the long run. Getting car insurance might be a bit time-consuming and expensive to manage but paying for vehicle repair or getting your license suspended or even worse getting called in court seems to be a bit harsher as compared to the hustle of getting insurance.
While looking for the best auto insurance in Texas, you will need to make various considerations including the cost, financial stability, and service quality. So consider looking into and researching the best insurance according to your needs.
Not only having efficient insurance will prove beneficial after an accident, but having excellent claims service can help you save time and frustration by speeding up the process for everything ranging from renting a car to covering the medical expenses of the injured.