2 carriers raised and 4 carriers cut Texas auto rates in 2026. The fastest way to stop overpaying is to compare carriers for your ZIP — the cheapest options in Texas are below.
Cheapest car insurance carriers in Texas right now
Estimated annual premiums for a standard profile, cheapest first — Texas averages about $3,136/yr. The spread between carriers is wide, so shopping is how you beat a rate hike.
| # | Carrier | Est. annual | vs avg |
|---|---|---|---|
| 1 | USAA | $1,825/yr | Save $959 |
| 2 | Travelers | $2,473/yr | Save $311 |
| 3 | GEICO | $2,540/yr | Save $244 |
| 4 | Root Insurance | $2,589/yr | Save $195 |
| 5 | State Farm | $2,683/yr | Save $101 |
| 6 | Progressive | $2,885/yr | +$101 |
| 7 | The Hartford | $3,131/yr | +$347 |
| 8 | Kemper | $3,261/yr | +$477 |
| 9 | Nationwide | $3,312/yr | +$528 |
| 10 | National General | $3,327/yr | +$543 |
Carriers that raised Texas rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| GEICO GEICO General/Indemnity + Government Employees | +2.0% | Sep 1, 2025 | — | — | SERFF #GECC-134593132 ↗ |
| Allstate Allstate Fire and Casualty Insurance Company | +3.9% | Apr 13, 2026 | — | — | SERFF #ALSE-134897829 ↗ |
Carriers that cut Texas rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| State Farm State Farm Mutual Automobile + County Mutual | −3.0% | Dec 15, 2025 | — | — | SERFF #SFMA-134710723 ↗ |
| Farmers Farmers Property and Casualty Insurance Company | −5.2% | Dec 26, 2025 | — | — | SERFF #FAIG-134773153 ↗ |
| Germania Germania Fire & Casualty / Insurance / Select | −7.9% | Feb 4, 2026 | — | — | SERFF #GEIN-134805604 ↗ |
| Progressive Progressive County Mutual Insurance Company | −2.5% | Feb 6, 2026 | — | — | SERFF #PRGS-134818917 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and a cut usually reaches new buyers first — existing customers often don’t see it until their next renewal, if at all. For example, State Farm’s cut took effect for new customers on Dec 15, 2025 but existing customers only at renewals starting Jun 4, 2026. The only way to know you’re on the best current price is to re-shop.
Filing figures are filed/approved statewide averages from each state’s Department of Insurance; rankings are directional estimates. “Affected” counts are policyholders or insured vehicles as stated in each filing. Your individual rate varies by risk profile. Each filing links to its source. Not a quote.