Gap insurance is insurance that may be required if you lease or finance a car. Gap insurance covers the difference between what your car is worth and what you owe on your auto loan should your car be a total loss in an incident. For example, let’s say you have a car loan with a balance of $20,000, but your car is only worth $15,000. If it’s totaled in an accident, your insurance will only pay out $15,000 and you will owe $5,000 to settle your loan. If you have gap insurance, that policy will pay the $5,000 to settle your loan balance.
Allstate is more reasonable in terms of pricing, and it came out cheapest for drivers under age 25 in our quotes. Consumer Reports readers rated it just a hair lower than State Farm in overall satisfaction, but Allstate pulled ahead in J.D. Power ratings with a superior score in agent interaction. There’s no denying that Allstate is popular in Texas, with the second-most market share of any company at roughly 11.7%. It’s also one of the only companies to offer “gap” insurance for new cars, something that State Farm is missing. And if your Allstate quote is lower than those from its competitors, it could mean the difference in whether you can afford comprehensive and/or UM/UIM coverage, two especially valuable add-ons in Texas.
For some, the best coverage is the cheapest car insurance policy that makes them able to legally drive on the road. For others, the best coverage is the type that covers the full cost of repairs on your vehicle when you file a claim. The only way to be certain you are fully protected is to purchase both comprehensive coverage and collision coverage. Each coverage has its own job to do.
Non-owner car insurance is just what it sounds like. It’s insurance that covers the driver instead of the car. That is, if you don’t own a car, but frequently drive a friend’s car, rental cars, work cars, or use a car-sharing service, non-owner insurance covers your liability in the event of an accident. It can cover your liability for medical costs and property damage. In some states, non-owner car insurance can also help you regain your license after it’s been suspended. It can also lower car insurance rates if you buy a car later since there won’t be an uninsured period on your record. |

While there are a couple of benefits of collision insurance, the main one is that you can file a claim and receive reimbursement regardless of who was at fault. Collision claims usually get processed faster than property damage claims because the insurance company does not have to spend time investigating who was at-fault. Another benefit is that you only deal with your own insurance company, rather than another insurer with less incentive to pay for your claim. Collision insurance can also be used toward your rental car in most cases, which can spare you from having to buy rental car insurance.
But liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.
Non-owner car insurance is just what it sounds like. It’s insurance that covers the driver instead of the car. That is, if you don’t own a car, but frequently drive a friend’s car, rental cars, work cars, or use a car-sharing service, non-owner insurance covers your liability in the event of an accident. It can cover your liability for medical costs and property damage. In some states, non-owner car insurance can also help you regain your license after it’s been suspended. It can also lower car insurance rates if you buy a car later since there won’t be an uninsured period on your record. |
We started by identifying Texas’ five biggest auto insurers by market share and comparing their financial strength, coverage options, and customer service using methodology similar to that in our review of the best car insurance providers. Then we checked J.D. Power and Consumer Reports to see how each company’s customers scored them on overall satisfaction and on the claims experience. Finally, we collected quotes for six hypothetical drivers, taking note of each company’s available endorsements and discounts.

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
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We started by identifying Texas’ five biggest auto insurers by market share and comparing their financial strength, coverage options, and customer service using methodology similar to that in our review of the best car insurance providers. Then we checked J.D. Power and Consumer Reports to see how each company’s customers scored them on overall satisfaction and on the claims experience. Finally, we collected quotes for six hypothetical drivers, taking note of each company’s available endorsements and discounts.
AAA is perhaps best known for its roadside assistance membership program. Membership comes with certain perks, like travel discounts and 24/7 emergency roadside assistance for things like battery replacement, flat tires, or tow away service. As a member, you can also purchase insurance policies from AAA. AAA’s auto insurance covers cars, motorcycles, boats and RVs, and you have the option to bundle your insurance with other policies like property and life insurance for a discounted rate.
Deductible: A car insurance deductible is the amount of money you will be required to pay out of pocket to cover a claim. Let’s say a car rear-ends you in traffic, scratching your paint, damaging your bumper and breaking one of your tail lights. The total cost of repairs is $2,500 and your deductible is $500. You will pay the $500 and your insurance will pay out the remaining $2,000 to cover the cost of the repairs. Electing for a higher deductible is one-way drivers can secure cheaper car insurance.
Progressive is another solid option for Texans, but it lags slightly behind our top picks in both financial strength and claims satisfaction ratings. The differences are pretty minor, but they make it hard to justify Progressive over State Farm or Allstate on the basis of anything except price, which was about average. We did like how easy it was to get a quote through the website, though, and Progressive was one of the only companies we looked at to provide a Live Chat option.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
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