Like other states in America, you need insurance coverage to drive a car on Texas roads. Texas has a fault approach to car insurance, meaning you'll be responsible for damages resulting from an accident you cause.

Under Texas law, the minimum insurance coverage is $30,000 per injured person, with a minimum coverage for two persons. In other words, every driver must carry $60,000 in injury liability coverage and at least $25,000 for property damage coverage.
On average, you can expect to pay $666 yearly for minimum coverage and $1,872 for full coverage.
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More About Texas Car Insurance
Insurance is a pretty broad subject. Not many Texans have enough information before purchasing a policy, resulting in most people paying more than they should.
If you're keen on getting fair deals for your car insurance needs, cheap insurance's in-depth guide can help you better understand how insurance works in Texas.
By understanding how auto insurance works, you will be best placed to ensure you do not pay more than you should.
What Determines the Cost of Insurance in Texas
1. Insurance Provider
Different providers have different approaches to business, which means they will offer rates that align with their policies. Strong brand names often offer higher rates because they are assured of a significant market share based on consumer confidence in their brand.
2. Age of the Policyholder
The cost of premiums is significantly influenced by a policyholder's age, with drivers under 25 being the most affected. According to statistics, drivers under 25 are more likely to cause an accident, making them a risky group and thus attracting higher premiums.
3. Driving History
Insurance companies examine a driver's driving history to assign them a risk rating and, consequently, their insurance rates.
If a driver has a past successful at-fault claim against them, insurance companies will deem them risky, giving grounds for higher insurance rates. If you have had a DUI conviction, your premiums can increase significantly.
Best Insurers in Texas
A good insurer for one person may not be good enough for another, depending on each driver's circumstances.
For example, if you have been convicted of DUI, your insurance cost can be significantly higher, but some insurance companies may not be as harsh on you as others.
Given such possibilities, you should choose a company that offers the best rates after a DUI conviction. Below is a list of the best insurers in Texas and the occasions that make each provider a suitable candidate.
GEICO
GEICO ranks among the top auto insurance providers in Texas in terms of user claims rating and satisfaction. It also offers some of the lowest rates in the state, allowing customers to access low rates for exceptional service.
GEICO offers attractive discounts for safe drivers, safe cars, military personnel, and loyalty. While not the cheapest option in Texas, the insurer is the best overall based on Texas consumer ratings.
Farmers Insurance
Farmers Insurance is the best option if you are looking for a budget-friendly option without compromising quality. Their premiums for minimum coverage can be as low as $420 a year.
The insurer also offers car bundling discounts, which are suitable for people with more than one car in their household.
You may also earn discounts if you install anti-theft devices or if your car has advanced safety features. While the insurer offers discounts for safe driving, it does not offer discounts for drivers with defensive driving training.
State Farm
A claim against your insurance will often mean your premiums increase significantly. With $1,113 per year, you can have minimum coverage with State Farm insurance, even if you have a past at-fault claim, which is the best rate in Texas given the circumstances.
Besides standard insurance, State Farm provides roadside assistance and reimbursement for transportation costs, such as the cost of renting a car if your car is unusable 24 hours after an accident.
USAA
If you have served in the US military, USAA is a perfect fit. USAA offers minimum coverage at $424 per year and full coverage at $885 per year, which is pretty low compared to other auto insurance companies in Texas.
USAA offers discounts for safe drivers and accident forgiveness for drivers who have been accident-free for at least five years. Unfortunately, USAA only offers special benefits and discounts to service members, veterans, and members of their families.
Final Words
There are many other insurance providers in Texas, some of which may be more expensive or cheaper than the ones featured in this post. You may also want to consider them.
However, this list saves you the trouble of sifting through the options to provide you with a shortlist of insurance providers in Texas that offer the best services for a reasonable price.
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This story is brought to you in partnership with CheapInsurance.com.