Best Texas Auto Insurance: Top Companies in 2022 – MarketWatch | CarTailz

If you are looking for the best auto insurance in Texas, we encourage you to compare offers from the providers listed below.

#1 State Farm: Editor’s Choice

JD Power Score: 851/1,000

AM Best financial strength rating: A++

BBB rating: A+

State Farm is the second most popular vendor in Texas according to Progressive, according to the National Association of Insurance Commissioners (NAIC). The company has a strong reputation with high BBB and AM Best ratings and an above-average Texas in the JD Power 2022 US Auto Insurance Study℠.

State Farm auto insurance coverage

State Farm offers all of the standard types of coverage options, including:

In addition, State Farm offers a wide range of additional options, including:

State Farm’s usage-based program, Drive Safe & Save™, can help good drivers save up to 30% on their rewards by practicing safe driving habits. The company also offers a training program for young drivers called Steer Clear® the discounts granted.

state farm reputation

Geico is the third largest auto insurance company in Texas according to NAIC and has a solid reputation for customer service. Geico customers gave the company a 4.1 out of 5.0 for overall satisfaction and a 4.2 out of 5.0 for claims service in our survey.

However, Geico slightly underperformed in JD Power’s auto insurance study for the Texas region. Our team reached out to Geico for comment on their JD performance rating and mixed customer reviews on the BBB, but received no response.

Continue reading: Geico insurance review

The majority of State Farm’s customers have had positive experiences. In our auto insurance satisfaction survey, approximately 19% of respondents were State Farm policyholders. They rated the company a 4.2 out of 5.0 for overall satisfaction. State Farm’s claims service received a score of 4.2, while agent customer service received a 4.1 out of 5.0.

However, State Farm has a nearly 1.2 star rating out of 5.0 from customers on the BBB. Our team reached out to State Farm to comment on their customer review but have not received a response.

Continue reading: State farm insurance review

#2 USAA: Low tariffs for the military

JD Power Score: 885/1,000

AM Best financial strength rating: A++

BBB rating: Not rated

If you are a current or former military member, consider getting an offer from the USAA. Our estimates show that USAA offers some of the best clean driving fares in Texas, plus it has high scores from JD Power and our consumer survey. USAA is available to military members and veterans, as well as their spouses and children.

USAA Auto Insurance Coverage

USAA has all the same standard options, from minimum liability insurance to comprehensive insurance. In addition, Texans can also get these types of cover:

  • roadside assistance
  • Rental Car Coverage
  • Rideshare Coverage
  • Classic car insurance
  • Help with car change

USAA reputation

One of USAA’s highlights is that it often performs well in industry customer service studies. For example, it earned and earned the highest score in the JD Power Auto Insurance Study for the Texas region second highest score nationwide in the JD Power 2022 US Auto Claims Satisfaction Study℠. In our consumer satisfaction survey, USAA customers gave the company an overall rating of 4.3 out of 5.0.

Continue reading: USAA Insurance Review

#3 Texas Farm Bureau

JD Power Score: 873/1,000

AM Best financial strength rating: A

BBB rating: A+

The Texas Farm Bureau has been providing low-cost auto insurance since 1952. Coverage is available to anyone who joins the Farm Bureau – you don’t have to be a farmer to become a member. Members also receive discounts on new vehicles, rental cars, travel, office supplies, health products and more.

Texas Farm Bureau makes our list because it offers Cheap auto insurance in Texas, along with personal service. Average full-coverage annual premiums are about 42% cheaper than the national average, and average minimum insurance rates are about 46% cheaper.

Texas Farm Bureau auto insurance coverage

Texas Farm Bureau is a smaller provider but offers decent coverage options. It offers standard options such as liability, collision, collision damage waiver and personal injury coverage. Apart from these, it also offers:

  • ride-sharing insurance
  • Rental Protection
  • roadside assistance
  • death insurance

However, customers wanting extras like usage-based insurance or classic car insurance will have to look elsewhere.

reputation of the Texas Farm Bureau

The Texas Farm Bureau operates through a network of local agents and has a reputation for providing good customer service. That’s one of the reasons it outperformed all other mass-market brands in the JD Power Auto Insurance Study for the state of Texas.

#4 Geico: Affordable for most riders

JD Power Score: 843/1,000

AM Best financial strength rating: A++

BBB rating: A+

If you’re looking for a wide variety of coverage options, extras, and discounts, Geico can be a great option. The company’s average rates are close to the national average, but it offers many discounts plus a telematics insurance Program for Texas drivers to save money. Here are some of the company’s notable discounts:

  • 25% discount for military use
  • 15% discount for good students
  • 22% discount for good drivers

Geico car insurance coverage

There is no shortage of Geico’s coverage options. You can choose basic liability insurance or go all out with full coverage and high limits for complete protection. Geico also offers extras like these:

  • roadside assistance
  • Trip Interruption Protection
  • Classic car cover
  • ride-sharing insurance
  • Insurance against machine breakdown

Similar to one extended warrantyGeico Machine Breakdown Insurance pays for certain repairs after yours manufacturer guarantee expires. MBI can be useful if your car has above average repair costs and is not under warranty.

Geico reputation

Geico is the third largest auto insurance company in Texas according to NAIC and has a solid reputation for customer service. Geico customers gave the company a 4.1 out of 5.0 for overall satisfaction and a 4.2 out of 5.0 for claims service in our survey.

However, Geico slightly underperformed in JD Power’s auto insurance study for the Texas region. Our team reached out to Geico for comment on their JD performance rating and mixed customer reviews on the BBB, but received no response.

Continue reading: Geico insurance review

#5 Progressive: Low fares for high-risk drivers

JD Power Score: 831/1,000

AM Best financial strength rating: A+

BBB rating: f

Our final pick for the best auto insurance in Texas is Progressive. We’re not alone either, as Progressive is the most popular auto insurance company in the state according to NAIC. It can be a good idea to get an auto insurance quote from Progressive, especially if you have one teenage driver or you have any DUIs or other marks on your logbook. Our rate estimates show that Progressive can be an affordable option for risk driver.

Progressive car insurance

As a large insurance company, Progressive offers a variety of coverage options. One of these is the Accident Forgiveness option, which comes in small and large variants depending on your time with the company. (You can also purchase the Big Accident Forgiveness directly.)

Progressive also offers a usage-based program called Snapshot that helps safe drivers save money. Those who drive carefully, avoid driving at night and have a low average mileage save the most money.

Progressive Reputation

Progressive scored 831 out of 1,000 in the JD Power Auto Insurance Study for the state of Texas. This was slightly less than the 844 average for the state. Progressive also scored a respectable 4.1 out of 5.0 for overall satisfaction in our consumer survey, but that was slightly below the 4.2 average for the survey.

Progressive has an F rating on the BBB for not responding to 155 complaints and not resolving five complaints. Our team reached out to Progressive for comment on its BBB rating and below-average JD Power score, but received no response.

Continue reading: Progressive Insurance Review

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