What's the best car insurance in Texas right now? Feeling overwhelmed by options

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johnnyma45@reddit

Home and auto with Esurance. It’s backed by Allstate. Costs will vary wildly with individual factors but I pay $1200 / 6 months for two EVs with $100 deductibles

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Fuck allstate, they refused to pay claims en masse during Katrina and had to be sued into paying up. Also, from their car side, they are hard to deal with either as a policyholder or victim of an Allstate customer.

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reckoningday1972@reddit

Yeah ,fuck allstate . I was incarcerated for 8 months so I had no car insurance while I was locked up . After I got out and went to get insurance allstate was who I checked with first . They were all transfixed in the fact I didn't have insurance for 8 months . Well,rather than check it out they just wanted to charge me an exuberant amount for a policy .so I went to state farm and they checked out the fact I was in deed incarcerated and didn't use that as a reason to charge me more thing I drive around uninsured.fuck you all state and mayhem too.,(although he is funny)

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Creative_Maize1379@reddit

Its aldo hard to deal with them if you have a claim on your home policy

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reckoningday1972@reddit

It's all a part of the big shit show now in a city near you . Everyone's insurance has gone up . I thought my state farm policy was absolutely ludicrous until I went shopping . I only have the minimum required . I'm a mechanic so I just fix everything myself anyway and I won't have a newer car because they are all junk . I see the little games these companies play and they all do it and when you shop for car insurance your current provider will be notified that you are shopping . I'm not sure why they report this or what it does to your current policy. The switch and save up to $500.00 / year doesn't work for everyone and if you do make sure to read everything before you go with someone else . Not all policies are created equal .it's very likely the switch and save is dropping some coverage to save you that money. Some will say state farm is high but when I shopped my state farm policy was cheaper than the rest and I have renters I insurance .state farm does have excellent customer service .you won't get better customer service anywhere. But like I said it's just a part of the big shit show.

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shivi10@reddit

I ended up using a Car Insurance Companies Chart to compare rates (link: https://clicklink.to/pr/j864bca9f8be?s1=UGC-CI-1qtxiqs) — pretty happy with the outcome: saved about $300 switching from GEICO and got better coverage.

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Sufficient_Reason220@reddit

hail claims and uninsured drivers push everyone's rate up even if you never filed. main move is just not being loyal, shop every 6 months. cаrіnsսrе hսb is worth a look for state averages if you wanna see if you're getting hosed.

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minionGOD66@reddit

Honestly, shopping around every year is basically mandatory now. Got burned by State Farm jacking up my rates for no reason. Progressive gave me a decent quote but their claims process is supposedly a nightmare. Texas insurance market is just brutal right now.

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tipslark@reddit

Bumping to 100/300/100 coverage is worth the few extra dollars honestly, uninsured motorist coverage in DFW is basically non-negotiable with how many uninsured drivers are out there

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justhereforsnackss@reddit

Independent broker is a smart move too since they can shop multiple carriers at once instead of you getting one quote at a time

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urafunnylittlecunt@reddit

The coverage advice is solid, 100/300/100 plus UM is genuinely the right call in Texas

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shivi10@reddit

There is no best right now, honestly. In Dallas it changes a lot by zip code, car, and even credit. I would check Texas Farm Bureau, State Farm, and GEICO first, but watch the deductibles and weird exclusions because some cheap quotes look good until you actually need a claim.

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crazykrishnaisop@reddit

i was in the same boat and CarPlanHero helped me find something reasonable

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Small_Barnacle_9930@reddit

Claims service matters more than cheapest premium

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Fargoth24@reddit

Shopping yearly honestly works better than staying loyal

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StarGazingIII@reddit

Bump liability limits those minimums are scary low

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AnySchool4936@reddit

Farm bureau isnt just for farmers usually

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ndbcj92@reddit

Geico loyalty doesnt really save money anymore

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justwords_empty@reddit

Texas rates creeping up for everyone lately

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ArtistAndRepertoire@reddit

Clean record in Dallas and rates still going up is just the Texas market right now, every carrier repriced after the hail and storm claims, it's not you :)

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Ptwadd@reddit

Texas Farm Bureau is not just for farmers at all, it's one of the most underrated options in the state and their rates have stayed more stable than most.

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Fargoth24@reddit

Review limits many underinsured

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justwords_empty@reddit

Check local mutual insurers too

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closed-window@reddit

Focus on coverage not just price

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DrowningPiglet@reddit

Texas rates shifting compare often

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Secret-Efficiency-40@reddit

Shop at least three carriers

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Critical-Sweet6350@reddit

Uninsured drivers make texas tricky

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closed-window@reddit

Shopping around still your best move

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ConversationFine9817@reddit

State farm solid but usually pricier

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Aggravating-Fun-3800@reddit

Farm bureau isnt just for farmers btw

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Intelligent_Pool1969@reddit

Minimum coverage feels risky these days

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DrowningPiglet@reddit

Definitely bump those limits if you can

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Secret-Efficiency-40@reddit

Geico hikes hitting a lot of people

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Pandasyolanda@reddit

Texas rates climbing everywhere lately

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gustaare@reddit

Texas insurance is all over the place right now. “Best” usually just means cheapest for your profile, so you really have to compare quotes yourself, no shortcut there.

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rare_with_hair@reddit

I'm not sure on the company. I just request quotes right before my renewal starts. Just like my electricity plan. You did answer your own question on why it's increasing though. DFW has increasing amounts of uninsured and careless drivers, so rates keep going up. At least, that's the excuse they will give you.

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ilikejigglypuffs@reddit

Do you remember the company by any chance?

Or we could deport the people who often fall under this category. I am not sure what sense it makes that we the citizens have to keep incurring higher costs and taxes because of our immigration policy.

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Own_Effect4448@reddit

There is no best, honestly. In Texas it changes a lot by ZIP, claims history, and whether they decide your Kia or truck is suddenly a problem. I would quote Texas Farm Bureau, State Farm, Progressive, and GEICO, then compare deductibles. Cheap rates get ugly fast when you actually file.

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_VongolaDecimo_@reddit

I used StaxiPick to compare car insurance rates in Texas and saved like $300 compared to my old GEICO plan, so def check it out for some quick comparisons without getting stuck making a bunch of phone calls.

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Critical-Sweet6350@reddit

Anything that saves me money sounds good

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ConversationFine9817@reddit

Might try that tired of rate hikes

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Critical-Sweet6350@reddit

Dallas rates climbing for everyone

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ConversationFine9817@reddit

Clean record still getting pricey

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Aggravating-Fun-3800@reddit

GEICO hikes seem common lately

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Intelligent_Pool1969@reddit

Texas Farm Bureau gets recommended a lot

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KenDrakebot@reddit

test comment

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Own_Effect4448@reddit

Honestly, there is no single best. Shop and compare rates, check coverages not just price, and verify local hail claim history for Dallas. Meet minimum 30/60/25 liability, add comprehensive if you owe money. Get quotes from State Farm, GEICO, Allstate, USAA if eligible.

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dipusingh357@reddit

Yeah the rate hikes are brutal, mine jumped 40% with no claims. I spent maybe 20 minutes on CarInsureHub comparing Texas providers and found something way cheaper. Switched last month and already saving $80/month.

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marcdefiant791@reddit

Well, one option is working with a local broker who can quote multiple companies at once. You can check the details here: https://bargerandassociates.com/

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-_-cum@reddit

Yeah the rate hikes are brutal, mine jumped 40% with no claims. I spent maybe 20 minutes on CarInsureHub comparing Texas providers and found something way cheaper. Switched last month and already saving $80/month.

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Expensive-Expert-556@reddit

Use the app Jerry. It got a feature if you enable it that allows it to track your driving habits, and shows which insurance company willing to work with you and the rates so you can compare all in one place

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Open_Tune_6496@reddit

is it free or we need sort of subscription for it?

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Expensive-Expert-556@reddit

Sorry for the late reply. The app Jerry is free as far as im aware.

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Expensive-Expert-556@reddit

sorry for the late reply, its free.

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StarGazingIII@reddit

I wouldn’t stick with the state minimum coverage. 30/60/25 feels low with how expensive trucks and SUVs are here.

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AnySchool4936@reddit

Definitely raise your coverage above the state minimum. 30/60/25 feels way too low with how expensive cars are now.

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ndbcj92@reddit

I’d recommend getting quotes from at least 4 or 5 companies online. The prices can be wildly different even with the same coverage.

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Fargoth24@reddit

I’d grab quotes from at least four companies and compare the same coverage limits side by side. The prices can be wildly different even with a clean record.

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Small_Barnacle_9930@reddit

I’m in Dallas too and my GEICO rate went up this year for no reason. I ended up switching to Progressive and it was a bit cheaper.

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ndbcj92@reddit

I’d recommend getting quotes from at least 4 or 5 companies online. The prices can be wildly different even with the same coverage.

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AnySchool4936@reddit

Definitely raise your coverage above the state minimum. 30/60/25 feels way too low with how expensive cars are now.

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justwords_empty@reddit

State Farm wasn’t the lowest quote I got, but their customer service has been solid so I stayed with them.

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StarGazingIII@reddit

I switched from GEICO to Texas Farm Bureau and it ended up being cheaper for me. You don’t have to be a farmer, but there is a small membership fee.

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ndbcj92@reddit

Coverage limits matter a lot here

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justwords_empty@reddit

Same here, checking multiple quotes online saved me way more than renewing blindly.

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Own_Effect4448@reddit

I'm tired of the same answers. There is no single best insurer in Texas. Shop for low rates, good customer service, and fast claims. Check local agent reviews, compare quotes, and look at complaint ratios. Pick what covers wind, hail, and liability.

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boredomkills224@reddit

I’m paying ~$200/mo, but I bumped my limits a lot higher than state minimum and added UM/UIM. Texas has a ton of uninsured drivers, and I’ve been hit by an underinsured driver before and my UIM saved my butt.

I eventually bought through USAA but I compared rates through jerry.ai/car-insurance/texas/cheap-tx first to see what was out there among most of the top carriers.

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StarGazingIII@reddit

Texas rates keep climbing even with clean records

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Key-Swimmer5292@reddit

Root insurance, new and cheap

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Nice-Inevitable-4087@reddit

Your overwhelmed by car insurance

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Au201@reddit

State minimums are certainly way too low. I do 200/250/500 and I’m thinking about raising bodily injury

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nalditopr@reddit

Progressive

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Entire_Fortune_7445@reddit

The put too many restrictions charged me extra for household members who are not even on my policy..

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boldjoy0050@reddit

How do they even know about the other household members?

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Grsycat@reddit

I strongly recommend going to an independent agent. What may be the best car insurance for one person, will be entirely different for the next. I am an agent in DFW and I write individuals with multiple carriers. There is no “one” carrier that is a one size fits all and it can be differences of hundreds to thousands of dollars between one from another.

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ninjamike808@reddit

Best or cheapest? Can you bundle?

I’d recommend finding a broker tbh. Let them shop around for you.

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suhailmerc@reddit

I've been with statefarm for over 8 years, while the rate is high, I realize how acceptable it is when I go check elsewhere. Texas just sucks for car insurance. I do also have home and both cars insured with the so I get a discount. If you have a car with good safety features, then you get a good rate, if you're buying like a Kia or something, just get the basic no frills insurance, it's the cheapest but God help when you do have an accident.

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2Spot14@reddit

We switched over to Lemonade (the pet insurance company, yes). Our insurance went down about 60% through them. Haven't had to make a claim or anything to test out how terrible they are with that and several reviews online caution about this, but honestly, I'm saving thousands a year and I haven't had an accident or claim in over 15 years. It's a roll of the dice, but both my vehicles are paid off, so worst case is I'm out a vehicle and can put that savings towards a new one. Besides, even with my previous insurance companies, back when I had to make a claim, they always underbid the repairs/replacement and I had to do some fighting with them - only to end up discouraged after the fact. So I figure, I'll pay less for a shitty product.

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SimpleVegetable5715@reddit

I’ve always had USAA (Garrison Property and Casualty), most of us have some military in the family, so it’s easy to become a member. Having a good record got me free accident forgiveness. Also taking a defensive driving course online saves 10%, so do that if you haven’t. It just took a few hours.

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806chick@reddit

Progressive was the cheapest for me. Just switched from Allstate.

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tedleem15@reddit

Insurance agent here… It’s always Geico

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Agile_Definition_415@reddit

Whatever's cheapest.

All insurance companies suck, just go with the cheapest (reputable) company because at the end of the day they're all gonna fight your claims so might as well save the money for the lawyer.

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MrSmokesAlot42069@reddit

Sounds like someone doesn't read their policy contract. If you are involved in a covered loss while not doing anything that is clearly defined as 'excluded' in your policy contract, your insurance company is going to cover the loss. Its that simple. And if they dont, thats what the DOI is for. Some insurance companies (the lesser known ones) do have more strict contracts than the larger/known companies.

If you're referring to an adverse carrier (the other party's insurance company) denying liability, sounds like you're confused about burden of proof. If you don't have sufficient evidence (dash cam/video, neutral witness, police report) to support the other party is responsible for your damages, their insurance company isn't going to cover your damages. No one cares that "you're a good Christian that never lies, so you have to believe my version over theirs". And if you are speaking about the adverse carrier denying coverage, thats what you should carry uninsured motorist coverages for.

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SleeplessInPlano@reddit

Paying the lawyer to defend the claim?

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TXWayne@reddit

Well not entirely true, I have had Texas Farm Bureau since I dumped USAA back in 2018. Been through two major hail storm claims with them and one car claim. They have been amazing, for the hail storms I had a check in the bank before most folks had an appraiser out....less than a week from the event. They have never fought me on anything and they promptly approved the supplementals when the initial claims were not enough. They paid out well over $100k between the two hail claims. My homeowners insurance doubled a couple years ago but I figure I will go to my grave still ahead of them $$$$ wise in the relationship.

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gecon@reddit

I've had the most luck with Progressive and State Farm but YMMV. Just get a lot of quotes from various insurance companies and choose the one with the lowest premium (that you trust).

Highly recommend getting uninsured motorist coverage. Your liability limits (30/60/25) won't cover damage to your vehicle if an uninsured driver hits you or if they hit & run. As you said, a lot of uninsured drivers out there.

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PersonalFinanceFun@reddit

If the other driver doesn’t have insurance your own insurer will repair your car if you have collision coverage. You don’t need uninsured motorist coverage.

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gecon@reddit

You can file a claim using your collision coverage, but UM can still be preferable to collision depending on the person/situation.

Deductible for UM coverage is 250. Most people don’t have collision deductibles that low, so they’d be spending less out of pocket with UM.
UM coverage is cheap. Getting liability + UM is usually far cheaper than liability + collision with a 250 deductible.
You can also get UM coverage that covers bodily injury to you caused by an uninsured/hit and run driver. Collision doesn’t cover that

Not saying collision coverage isn’t worth it. Many people already have it because their lender requires it. Collision coverage also comes in handy if you end up being at fault.

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MrSmokesAlot42069@reddit

Not to mention UMBI. If you are and injured hit by a UM driver, at best you'll have PIP or MedPay that caps out near $10k compared to a minimum UMBI limit of 30/60

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BobcatOk5865@reddit

I’d recommend David Francesangelo’s State Farm office in Irving! They will help you walk thru coverages, but people tend to not wanna talk to someone on the phone and progressive you can do it all online, David is my agent and I always appreciate how everyone is nice and professional in that office

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Priest_Andretti@reddit

Same. Progressive and State Farm has been the best. I switch back and forth every two years or so. Usually for my home insurance, progressive wins every time because the deductible is cheaper.

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Aggressive-Ad-522@reddit

Costco and you must get uninsured motor coverage

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lordb4@reddit

Falcon is the worst.

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josecolon99@reddit

Was paying 1200 with progressive, 5 cars at 100/300 2 of them 8 years old and full coverage 3 20 years old liability only. PIP and rental with two teenagers 18 and 16 males. Switched to State Farm with same coverage and am paying $750, switched homeowners and saved $1000 on the homeowners and my car insurance went down to $700.

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PeleliuHugh@reddit

Sounds close to my situation, multiple vehicles, teenage driver. Is the amount you quote monthly, or your six-month premium? Thanks…

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josecolon99@reddit

Monthly

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nickgomez@reddit

Damn, how?!

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josecolon99@reddit

Don’t know how, surprised the shit out of me too. There are so many State Farm reps you should get a quote. Before my local agent I used an agent that shopped me around but was not close to this.

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M990MG4@reddit

Progressive is by far the cheapest for me. I know I am gambling a bit with the customer service aspect, but I have all the things to get a low rate (age, driving history, etc) and the other companies were waaaaay more (several hundred more every six months). My last two renewals have actually dropped by like $15/6 months.

I have 100/300 on two cars (a newer truck and a 14-year-old car) with $500 collision deductibles ($100 comp deductible on the truck) and it is like $750/6 months.

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halfuser10@reddit

750 for TWO cars with THAT kind of coverage? What in the black magic?!

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BobcatOk5865@reddit

Getting a good rate like that comes with 100s of factors, could always be his or hers credit history, the zip code they live in, and the age of the car. But they are also correct with the gambling of customer service. I actually had progressive last year when a woman totaled my car who also happened to have progressive and they were total a hassle to deal with just from my personal exp

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ParadoxRegime@reddit

Car insurance is pretty cheap if you are a good driver, and have continually had coverage.

Bodily Injury, Property Damage, and Uninsured/underinsured coverage all have 1,000,000 limits

I also have rental car reimbursement, roadside assistance, and bodily injury.

Comprehensive Deductible is $0 Collision Deductible is $250

My 6mo premium is $820.03 with State Farm.

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Icy_Huckleberry_8049@reddit

there is NO BEST CAR INSURANCE.

What might be good for one, won't be good for another.

Insurance rates have so many different variances that no one is going to have the same rate as someone else.

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No-Profession6086@reddit

None of them are the best, all crooks.

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grizzanddotcom@reddit

I’d like to point out that the 30/60/25 state minimums have nothing to do with protecting you from uninsured or underinsured drivers. Those types of coverage are to protect you if you were to cause damage to another vehicle/property/cause injury. Uninsured/underinsured motorist coverage is separate and doesn’t actually have a minimum as it is a voluntary coverage.

My two cents is to have 100/300//100 for liability as 30/60/25 is quite low and can be eaten up quickly. And in Dallas, you very much need to have UM/UIM coverage due to what you pointed out.

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halfuser10@reddit

100/300/100 is insane and so unnecessary.

Holy premium Batman.

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nikkinicole75@reddit

You'd be surprised how quickly you can whip through those policy limits... not unnecessary at all if you have assets to protect. If you are uncollectible and don't have shit then do what you want.

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nosleep4eternity@reddit

That’s only true if you have no assets to protect

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halfuser10@reddit

Technically yeah. But as someone who's been hit by someone with lowest state minimums, it is virtually impossible to enforce/go after someone even if you want all/more than the damage you sustained, personal property or otherwise. Most people simply don't have assets you can take, especially in Texas.

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12VoltGuardianAngel@reddit

My premium only went up like $30/no from minimums to 100/300/100. For 3 full coverage cars and 2 drivers

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Appropriate-Gas9510@reddit

I have that same exact insurance limits. If i am at fault in a serious accident, 25k per person for their injuries is just not enough. I mean between the cost of the ambulance, emergency room fee, all the hospital tests, etc, that 25k can be eaten up quickly. What if they have to be in the hospital for a week or two, those overnight stays can be almost 5k a night.

Also the crazy thing, you just pay a few dollars more a month to jumo from 30/60/25 to 100/300/100. Its 100% worth it

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grizzanddotcom@reddit

If you say so

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James-the-Bond-one@reddit

If you have that much to protect, get an umbrella policy instead.

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grizzanddotcom@reddit

Many providers will only give you an umbrella policy if you already have a certain level of liability coverage, meaning you’d need to have 100/300 either way. But if you can go an get a separate umbrella policy while still having 30/60 on auto, then sure go do it

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EtchASketchNovelist@reddit

Shop around. You don't have to stick with them permanently.

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MehenstainMeh@reddit

I shop every six months. For quality insurance (USAA, AAA, Statefarm, etc) It’s all about the same and it’s all gone up considerably over the past 3 years. I have stuck with AAA as it covers my house, cars, trailer and is within 20 bucks of everyone else. I have had the cats stolen off my truck and my wife’s car was hit well she was at work. Very easy to get both things fixed, ate the deductible on the cat theft, got it back on the car getting hit well parked.

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truth-4-sale@reddit

Bundling should get you a nice discount.

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truth-4-sale@reddit

Al Boenker Ins. will price shop for you.

https://www.thanksal.com/

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stokr22445@reddit

Just shopped. Pricing all over the board but liberty mutual crushed everyone else

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azzers214@reddit

You should really just focus on "not terrible", not "the best". In fact I suspect "not terrible" has more to do with the price and the adjuster and that's about it for most people.

My big tip for you is, it's less important that you find "the best" and more important that you shop every 1 to 2 years so that the loyalty tax never kicks in. You can use the same firm for 20 years but when you finally get to an adjuster, they aren't looking nor do they care how long you've been a customer.

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rsuess14@reddit

Find a broker, there's usually a fee that gets tacked onto your premium (like $50 or something) but the small fee has been worth it in my case. I text mine every 6-12 months to shop around.

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Comfortable_Candy649@reddit

Progressive got us good savings for two cars and the house together. Put them together when you can. T does save you quite a bit.

Our homeowners was with Travelers and they were going up A LOT so we’d planned to switch anyway.

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21-22-VER-23-24@reddit

Your insurance goes up because all the uninsured drivers getting in accidents has to get paid for by somebody one way or another

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Ashamed-Branch3070@reddit

The insurance goes up because it’s a scam lol. You are forced to have it by law but the state does nothing to stop the insurance companies from making insane profits. Property and casualty (P/C) insurers saw record-high profits in 2024, with Revolving Door Project reporting a 91% year-over-year increase to $166.8 billion, driven by rising premiums.

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RealisticEducation51@reddit

Progressive was lowest for me as well. But I had an accident in 21 after which it seemed to have gone up considerably. I switched to Geico after that.

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Darth_Molotok@reddit

Texas Farmers Bureau. I was paying 375 for full coverage on 2 cars. They got me a low payment on my home owners and I pay 260 for the same coverage as state farm. DM me for my agents info.

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AffectionateKey7126@reddit

Progressive has always been the best for me when it came to strictly car insurance. If you have a home, you have to start looking at the bundle options and you’d probably be better off with a broker.

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brentonbond@reddit

You have to shop around every 2 years or so. They will all increase your premiums until you shop around for a better rate. They all have the same goal: to make money. It’s up to you to save it

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yarmulke@reddit

American family but if you get it through with a Costco executive membership. Literally half the price of any other insurer who I’ve gotten quotes from with the same coverage.

I’ve heard that quotes from them without a membership can be expensive though so idk

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IHateHangovers@reddit

Also keep in mind for your limits… what cars do you see on a daily basis that you could afford crashing into? If you are insured for minimums but you total a $100k car, you’re getting sued for sure.

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Weird_Bite1308@reddit

Farm Bureau was pretty good but they’re not only for farmers you just have to pay a $45 yearly fee but if you save enough money then that is worth it

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Wonderful-Run-1408@reddit

I've got Lemonade and very happy with them. Particularly good if you don't drive much.

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badlyagingmillenial@reddit

I've always switched between progressive and geico. whenever the rate goes up I move carriers. I've had claims with both companies and each went smoothly.

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zeroonetw@reddit

I’ve been using State Farm and get full coverage for $80/mo per car. Note: I’m fully bundled with them since I have my home as well. However, I do think where you live matters to. I’m in a pretty sleepy suburban neighborhood.

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Hour-Bridge-2123@reddit

I had State Farm for 10+ years until they tried to raise my rates 35% overnight. Switched to progressive and have been happy with them! Feel like they’re affordable and were easy to work with when I needed a repair from a parking lot ding.

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throwawaylawyering14@reddit

I’m a personal injury attorney in Dallas. In my experience, Travelers takes the best care of its insureds. That’s followed closely by USAA (if you qualify). And in case you don’t already have it, make sure you opt into uninsured/underinsured motorist coverage for as much as you can afford.

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Twisted9Demented@reddit

Progressive

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um_i_got_a_question@reddit

interesting. I just switched to GEICO bc they quoted me 1/3 the cost of my former insurance. I don't understand why some companies are cheaper for some people than others.

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burrito3ater@reddit

You really have to shop around brahsef. Independent insurers don't check every company. Sometimes you'll have to jump around because new customers get better rates. All this time though I've been with progressive. Paying $125 a month for comprehensive (full coverage) + uninsured + underinsured insurance.

I will give you this piece of advice, shop around every month even while you're covered. I had almost the same progressive plan for $190/mo then jumped to $250/mo (and still the cheapest around) after the renewal. One month later I shopped for a new plan and found the $130 plan, so I bought the new policy and cancelled the old one. They were confused why I did it but money is money.

They're good to deal with, had one wreck and they were on the phone quick. Had my case settled in hours.

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