Texas Auto Insurance: Our pick is Geico at $142/mo (2026)
The pick: Geico at $142/mo for Texas auto (filed 2026-01-15). Across 2 recent carrier filings, this is the lowest baseline. For most Texas drivers this is the right starting point; your specific quote depends on your ZIP, age, vehicle, and record.
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Why this pick
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.
How PolicyChat sources this data
PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every rate cited on this page links to its source filing.
- State DOI / SERFF filings — public rate filings, refreshed daily.
- NAIC published averages — annual state aggregates (currently 2023, latest released).
- Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes when a user walks through Sage.
Methodology: /methodology/rate-authority/
Recent Texas auto filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Geico | $142/mo | 2026-01-15 | State DOI |
| State Farm | $166/mo | 2026-02-01 | State DOI |
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