Texas Auto Insurance Rates (2026): Geico files lowest at $142/mo
As of May 2026, Rate Authority's analysis of Texas auto insurance rate filings draws on Rate Authority (NAIC 2023 baseline + 2 DOI filings). Source: Rate Authority, May 2026.
Last updated May 2026 · Rate Authority.
Cheapest filed auto rate in Texas right now: Geico at $142/mo (Rate Authority, May 2026) (effective 2026-01-15). Across 2 recent carrier filings, baseline rates range $142-$166/mo, averaging $154/mo. The 2023 NAIC state-average baseline is $143/mo for reference.
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Why rates in Texas look the way they do
Texas homeowners pay among the highest premiums in the country ($2,306/yr NAIC 2023) because of hail risk on the Caprock plains and hurricane risk on the Gulf — but auto is below the national average at $1,721/yr thanks to competitive filings.
Texas is a file-and-use state with one of the most carrier-competitive auto markets in the country. The Texas Department of Insurance doesn’t pre-approve rate changes — carriers file and the rates are effective immediately unless TDI later orders a hearing.
A few state-specific dynamics worth knowing:
- File-and-use means rate changes are effective on filing, not after regulator approval.
- Hailstorm losses on the Caprock + I-35 corridor drive home rates; Houston/Galveston wind exposure drives coastal rates.
- Texas requires only $30K/$60K/$25K auto liability — well below the national norm of $50K/$100K.
Recent filings + market moves:
- State Farm filed a 7.2% TX auto rate increase effective February 2026 (filing on file with state DOI).
- Allstate filed an 11.4% TX home rate increase effective December 2025 (filing on file with state DOI).
Recent Texas auto rate filings
Most recent publicly-filed rate changes from state DOI / SERFF. Each row is one carrier’s filed-baseline rate as of the effective date — not a personalized quote. Filing IDs link to the source filing.
| Carrier | Filed Rate | Effective | Filing | Source |
|---|---|---|---|---|
| Geico | $142/mo | 2026-01-15 | filing | State DOI |
| State Farm | $166/mo | 2026-02-01 | filing | State DOI |
Best Texas auto insurance by driver profile
The “best” auto carrier in Texas depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 2 recent filings + the 2023 NAIC baseline.
Best for low-rate shoppers in Texas: Geico (most recent filed baseline ranks lowest). Get an actual quote in 60 seconds with Sage.
Best for high-asset households in Texas: USAA (members only) and Travelers offer higher-limit options most carriers do not write at scale. For households above $500K in assets, Sage routes to umbrella-eligible carriers first.
Best for drivers with claims history or SR22 needs in Texas: Progressive and The General specialize in nonstandard auto in this state. These carriers write profiles other carriers decline.
Best for younger drivers (under 25) in Texas: Geico and State Farm typically file the lowest under-25 rates after the parent-policy discount is applied.
Texas auto insurance — what affects your rate
Texas is a file-and-use state with one of the most carrier-competitive auto markets in the country. The Texas Department of Insurance doesn’t pre-approve rate changes — carriers file and the rates are effective immediately unless TDI later orders a hearing.
The four factors that drive your specific rate the most: ZIP code (theft + claim density), age (under 25 and over 70 pay materially more), vehicle (repair-cost class and theft rate), and driving record (one at-fault accident or moving violation typically lifts a rate 20-40%).
Minimum auto insurance required in Texas
$30,000 bodily injury per person / $60,000 per accident / $25,000 property damage (30/60/25). Texas is one of the lowest-minimum states; $300K/$300K is widely considered the practical floor.
Frequently asked: Texas auto insurance
How much does auto insurance cost in Texas?
The 2023 NAIC published average is $1,726/year (about $143/mo). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).
Which carriers have filed recent Texas auto rate changes?
Rate Authority’s filings tracker recorded filings from Geico, State Farm in the past 30 days. See the table above for filed rates and effective dates. Each row links to the source filing where the carrier published its actuarial justification.
Why are Texas auto insurance rates high?
Texas is a file-and-use state with one of the most carrier-competitive auto markets in the country. The Texas Department of Insurance doesn’t pre-approve rate changes — carriers file and the rates are effective immediately unless TDI later orders a hearing.
How can I lower my Texas auto insurance bill?
The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Compare quotes in 60 seconds: Compare quotes
How Rate Authority sources this data
Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.
- State Department of Insurance / SERFF filings — public rate filings. Filings appear within days of carrier submission.
- NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
- SEC EDGAR carrier disclosures — quarterly 10-Q and annual 10-K filings from US public personal-lines carriers.
Methodology: /methodology/rate-authority/
Per Rate Authority’s analysis of public regulatory filings as of May 2026, this page reflects the current insurance rate environment.
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