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The best and worst auto insurers in Texas

Ranked by complaint index — confirmed complaints measured against policies in force, so size is taken out of the answer. 1.00 is the Texas market average. Above it means more complaints than the company's share of business would predict.

In this market an A required an index at or below 0.68, and an F means above 1.66. Cuts come from the 31 companies large enough to grade this period, not from numbers we picked.

Worst auto insurers in Texas

# Company Grade Complaint index Complaints Business written
1 Tesla Property & Casualty, Inc.

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
14.85 14.9× the market rate raw 27.13
306 82,953
2 Loya Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
5.94 5.9× the market rate raw 7.00
326 342,820
3 Old American County Mutual Fire Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
2.36 2.4× the market rate raw 2.52
205 597,955
4 Infinity County Mutual Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
2.32 2.3× the market rate raw 3.07
54 129,445
5 Goauto Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
2.32 2.3× the market rate raw 3.19
48 110,626
6 Home State County Mutual Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
1.84 1.8× the market rate raw 1.93
187 714,671
7 Garrison Property And Casualty Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
1.66 1.7× the market rate raw 1.79
88 361,351
8 USAA

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
1.52 1.5× the market rate
297 1,412,031
9 Gainsco

Most common: Delays (Claims Handling)

 D
1.50 1.5× the market rate raw 1.99
20 73,890
10 Redpoint County Mutual Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
1.40 1.4× the market rate
269 1,397,117
11 Auto Club County Mutual Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
1.34 1.3× the market rate raw 1.39
90 477,081
12 Falcon Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
1.32 1.3× the market rate raw 1.56
21 98,924
13 Texas Farm Bureau Mutual Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
1.24 1.2× the market rate raw 1.35
32 175,040
14 American Access Casualty Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
1.21 1.2× the market rate raw 1.35
20 108,695
15 Liberty Mutual

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
1.10 1.1× the market rate
80 529,364
16 American Family

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
0.92 8% below market raw 0.84
9 79,248
17 Alinsco Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
0.90 10% below market raw 0.82
11 98,766
18 Amica

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
0.85 15% below market raw 0.73
9 90,759
19 Allstate

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.84 16% below market
198 1,753,989
20 Mercury Insurance

Most common: Delays (Claims Handling)

 B
0.84 16% below market raw 0.71
9 93,532
21 Farmers

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.74 26% below market
127 1,291,228
22 Consumers County Mutual Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.74 26% below market
36 385,522
23 The Hartford

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.72 28% below market raw 0.51
7 100,101
24 GEICO

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.69 31% below market
230 2,499,146
25 Dairyland

Most common: Delays (Claims Handling)

 A
0.68 32% below market raw 0.53
11 153,725
26 Progressive

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.68 32% below market
573 6,274,632
27 Texas Farm Bureau Casualty Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.55 45% below market raw 0.26
4 112,502
28 Germania Select Insurance Company

Most common: Delays (Claims Handling)

 A
0.45 55% below market raw 0.12
2 122,938
29 Texas Farm Bureau Underwriters

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.42 58% below market raw 0.31
16 378,306
30 State Farm

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.40 60% below market
440 8,281,924
31 Essentia Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.36 64% below market raw 0.12
3 192,584

Best auto insurers in Texas

A low complaint index says these companies are complained about less than their size predicts. It is a service signal, not a price one — and it does not promise any particular claim will be paid.

# Company Grade Complaint index Complaints Business written
1 Essentia Insurance Company A
0.36 64% below market raw 0.12
3 192,584
2 State Farm A
0.40 60% below market
440 8,281,924
3 Texas Farm Bureau Underwriters A
0.42 58% below market raw 0.31
16 378,306
4 Germania Select Insurance Company A
0.45 55% below market raw 0.12
2 122,938
5 Texas Farm Bureau Casualty Insurance Company A
0.55 45% below market raw 0.26
4 112,502
6 Progressive A
0.68 32% below market
573 6,274,632
7 Dairyland A
0.68 32% below market raw 0.53
11 153,725
8 GEICO B
0.69 31% below market
230 2,499,146
9 The Hartford B
0.72 28% below market raw 0.51
7 100,101
10 Consumers County Mutual Insurance Company B
0.74 26% below market
36 385,522
11 Farmers B
0.74 26% below market
127 1,291,228
12 Mercury Insurance B
0.84 16% below market raw 0.71
9 93,532
13 Allstate B
0.84 16% below market
198 1,753,989
14 Amica C
0.85 15% below market raw 0.73
9 90,759
15 Alinsco Insurance Company C
0.90 10% below market raw 0.82
11 98,766
16 American Family C
0.92 8% below market raw 0.84
9 79,248
17 Liberty Mutual C
1.10 1.1× the market rate
80 529,364
18 American Access Casualty Company C
1.21 1.2× the market rate raw 1.35
20 108,695
19 Texas Farm Bureau Mutual Insurance Company C
1.24 1.2× the market rate raw 1.35
32 175,040
20 Falcon Insurance Company D
1.32 1.3× the market rate raw 1.56
21 98,924
21 Auto Club County Mutual Insurance Company D
1.34 1.3× the market rate raw 1.39
90 477,081
22 Redpoint County Mutual Insurance Company D
1.40 1.4× the market rate
269 1,397,117
23 Gainsco D
1.50 1.5× the market rate raw 1.99
20 73,890
24 USAA D
1.52 1.5× the market rate
297 1,412,031
25 Garrison Property And Casualty Insurance Company D
1.66 1.7× the market rate raw 1.79
88 361,351
26 Home State County Mutual Insurance Company F
1.84 1.8× the market rate raw 1.93
187 714,671
27 Goauto Insurance Company F
2.32 2.3× the market rate raw 3.19
48 110,626
28 Infinity County Mutual Insurance Company F
2.32 2.3× the market rate raw 3.07
54 129,445
29 Old American County Mutual Fire Insurance Company F
2.36 2.4× the market rate raw 2.52
205 597,955
30 Loya Insurance Company F
5.94 5.9× the market rate raw 7.00
326 342,820
31 Tesla Property & Casualty, Inc. F
14.85 14.9× the market rate raw 27.13
306 82,953

Every graded auto company in Texas

A Essentia Insurance Company 0.36 3 192,584
A State Farm 0.40 440 8,281,924
A Texas Farm Bureau Underwriters 0.42 16 378,306
A Germania Select Insurance Company 0.45 2 122,938
A Texas Farm Bureau Casualty Insurance Company 0.55 4 112,502
A Progressive 0.68 573 6,274,632
A Dairyland 0.68 11 153,725
B GEICO 0.69 230 2,499,146
B The Hartford 0.72 7 100,101
B Consumers County Mutual Insurance Company 0.74 36 385,522
B Farmers 0.74 127 1,291,228
B Mercury Insurance 0.84 9 93,532
B Allstate 0.84 198 1,753,989
C Amica 0.85 9 90,759
C Alinsco Insurance Company 0.90 11 98,766
C American Family 0.92 9 79,248
C Liberty Mutual 1.10 80 529,364
C American Access Casualty Company 1.21 20 108,695
C Texas Farm Bureau Mutual Insurance Company 1.24 32 175,040
D Falcon Insurance Company 1.32 21 98,924
D Auto Club County Mutual Insurance Company 1.34 90 477,081
D Redpoint County Mutual Insurance Company 1.40 269 1,397,117
D Gainsco 1.50 20 73,890
D USAA 1.52 297 1,412,031
D Garrison Property And Casualty Insurance Company 1.66 88 361,351
F Home State County Mutual Insurance Company 1.84 187 714,671
F Goauto Insurance Company 2.32 48 110,626
F Infinity County Mutual Insurance Company 2.32 54 129,445
F Old American County Mutual Fire Insurance Company 2.36 205 597,955
F Loya Insurance Company 5.94 326 342,820
F Tesla Property & Casualty, Inc. 14.85 306 82,953

Where these figures come from

Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.