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Licensed Car Insurance Companies — Texas

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Which Carriers Are Licensed in Texas

You are comparing car insurance quotes in Texas and need to know which carriers are actually licensed to write policies here. Not every carrier that advertises nationally operates in Texas, and some that do write only specific risk tiers or coverage types. A carrier licensed in another state may not write business here at all.

Texas licenses 29 personal auto insurance carriers across standard, preferred, and non-standard tiers. Some write only clean-record drivers; others specialize in high-risk or SR-22 business. Knowing which carriers write your household's profile — number of vehicles, driver records, coverage needs — prevents wasted quote attempts and narrows your comparison to carriers that will actually issue a policy.

“Texas licenses 29 personal auto carriers, but not every carrier writes every risk profile or files SR-22 — knowing which tier applies to your household narrows the field before you quote.”

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29 carriers

Texas Personal Auto Insurers

Texas licenses 29 carriers for personal auto insurance as of current state records. This count includes standard, preferred, and non-standard tier carriers writing policies for Texas residents.

Texas Department of Insurance

Standard, Preferred, and Non-Standard Tiers

Carriers in Texas operate in three tiers: preferred (clean records, best rates), standard (average risk), and non-standard (violations, lapses, high-risk drivers). A preferred carrier like Amica or USAA writes only drivers with clean records and good credit. A standard carrier like Geico or State Farm writes a broader range of risk profiles. A non-standard carrier like Acceptance, Bristol West, or The General specializes in drivers with violations, lapses, or suspended licenses.

If you have a DUI, a lapse in coverage, or multiple at-fault accidents, preferred and some standard carriers will decline to quote. Non-standard carriers are licensed specifically to write high-risk business. If you need SR-22 filing — a certificate of financial responsibility the state requires after certain violations — only carriers licensed to file SR-22 in Texas can write your policy.

The tier a carrier writes determines who gets quoted. A household with two clean-record drivers and two vehicles will get quotes from preferred and standard carriers. A household with one driver who has a recent DUI and needs SR-22 will get quotes only from non-standard carriers licensed to file SR-22. Knowing which tier applies to your household narrows the field before you start.

Not every licensed carrier writes every risk profile — preferred carriers decline high-risk drivers, and non-standard carriers may not offer the lowest rates for clean records.

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Carriers by Tier and Coverage Type

Preferred carriers in Texas include Amica, Auto Club Enterprises, State Farm, and USAA. These carriers write clean-record drivers with good credit and no recent violations. Rates are typically lower than standard tier, but underwriting is strict — a single at-fault accident or minor violation in the past three years may disqualify you.

Standard carriers include Allstate, Farmers, Geico, Hartford, Liberty Mutual, Mercury General, National General, Nationwide, Progressive, and Travelers. These carriers write a broader range of risk profiles, including drivers with one or two minor violations, occasional lapses, or average credit. Most standard carriers also write SR-22 policies for drivers who need filing.

Non-standard carriers include Acceptance, Bristol West, Clearcover, Dairyland, Direct Auto, Elephant, GAINSCO, Infinity, Kemper, Root, and The General. These carriers specialize in high-risk drivers: multiple violations, DUI, suspended license, long lapses in coverage, or poor credit. Non-standard rates are higher than standard or preferred, but these carriers are often the only option for drivers other tiers decline.

Some carriers write both standard and non-standard business under different underwriting entities. Progressive, for example, writes clean-record drivers under its standard entity and high-risk drivers under a separate non-standard entity. Geico and State Farm operate similarly. When you request a quote, the carrier routes you to the appropriate entity based on your driving record and coverage needs.

$30,000 / $60,000 / $25,000

Texas Minimum Liability Limits

Texas requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage. Every licensed carrier in Texas must offer at least these minimums.

Texas Department of Insurance

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Verifying Carrier Licensure

The Texas Department of Insurance maintains a public database of licensed carriers. You can verify a carrier's license status, NAIC company code, and authorized lines of business on the TDI website. If a carrier is not listed, it is not licensed to write personal auto insurance in Texas, and any policy it issues is not valid for state registration or proof-of-insurance purposes.

Some carriers operate under multiple legal entities in Texas. State Farm, for example, writes policies under State Farm Mutual Automobile Insurance Company and State Farm County Mutual Insurance Company of Texas. USAA writes under USAA Casualty Insurance Company. The NAIC company code on your insurance card identifies the specific legal entity that issued your policy. When you file a claim or contact the state about proof of insurance, the entity name and NAIC code must match TDI records.

Compare Licensed Carriers for Your Household

Start by identifying which tier applies to your household. If every driver has a clean record and no lapses in the past three years, request quotes from preferred and standard carriers. If one driver has a violation, a lapse, or needs SR-22, request quotes from standard and non-standard carriers licensed for SR-22. If you have multiple violations or a suspended license, focus on non-standard carriers that specialize in high-risk business.

When you request quotes, confirm the carrier is licensed in Texas and writes the coverage types you need. If you insure multiple vehicles, ask whether the carrier offers a multi-car discount and whether it applies to your household structure. Some carriers require all vehicles to be garaged at the same address; others allow separate garaging locations within the same county. If you need SR-22, confirm the carrier files electronically with DPS and understands the 2-year filing period — a carrier unfamiliar with SR-22 requirements may misfile or fail to notify DPS of lapses, restarting your clock.

Carriers Licensed for SR-22 Filing

SR-22 is a certificate of financial responsibility the Texas Department of Public Safety requires after certain violations: DWI, drug offenses, driving while license invalid, multiple no-insurance convictions, crash suspensions, or civil judgments. Only carriers licensed to file SR-22 in Texas can write a policy that includes the certificate.

Texas licenses 17 carriers for SR-22 filing. These include non-standard specialists like Acceptance, Bristol West, Dairyland, Direct Auto, GAINSCO, Infinity, Kemper, and The General, plus standard carriers like Geico, Progressive, State Farm, and Farmers. Preferred carriers Amica, Auto Club Enterprises, Clearcover, Elephant, Hartford, Nationwide, Root, and Travelers are not confirmed for SR-22 in Texas — if you need SR-22, these carriers will not quote.

SR-22 filing lasts 2 years in Texas, measured from the date the court or DPS orders it. The carrier files the certificate electronically with DPS when the policy is issued, and must notify DPS if the policy cancels or lapses. A lapse restarts the 2-year clock. If you need SR-22, confirm the carrier is licensed to file it before you request a quote — a carrier that cannot file SR-22 cannot write your policy, regardless of tier.

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Frequently Asked Questions

How many car insurance companies are licensed in Texas?

Texas licenses 29 carriers for personal auto insurance as of current state records. This includes preferred, standard, and non-standard tier carriers. Not every carrier writes every risk profile — preferred carriers decline high-risk drivers, and non-standard carriers specialize in violations and lapses.

Which carriers in Texas file SR-22?

17 carriers in Texas are licensed to file SR-22: Acceptance, Allstate, Bristol West, Dairyland, Direct Auto, Farmers, GAINSCO, Geico, Infinity, Kemper, Mercury General, National General, Progressive, State Farm, The General, Travelers, and USAA. Preferred carriers like Amica, Hartford, and Nationwide are not confirmed for SR-22 filing in Texas.

What is the difference between standard and non-standard car insurance in Texas?

Standard carriers write average-risk drivers with clean or near-clean records. Non-standard carriers specialize in high-risk drivers: DUI, suspended license, multiple violations, or long lapses in coverage. Non-standard rates are higher, but these carriers are often the only option for drivers standard and preferred carriers decline.

Can I get car insurance in Texas if I have a DUI?

Yes. Non-standard carriers in Texas write policies for drivers with DUI convictions. If the state requires SR-22 filing after your DUI, you must use a carrier licensed to file SR-22 in Texas. 17 carriers are licensed for SR-22, including non-standard specialists like Acceptance, Bristol West, Dairyland, and The General, plus standard carriers like Geico and Progressive.

How do I verify a car insurance company is licensed in Texas?

Check the Texas Department of Insurance public database at tdi.texas.gov. Search by carrier name or NAIC company code. If the carrier is not listed, it is not licensed to write personal auto insurance in Texas, and any policy it issues is not valid for state registration or proof-of-insurance purposes.

Do all licensed carriers in Texas offer multi-car discounts?

Most standard and preferred carriers offer multi-car discounts when you insure two or more vehicles on the same policy. Non-standard carriers may offer smaller discounts or none at all. The discount typically requires all vehicles to be garaged at the same address and titled to the same household. Confirm the carrier's multi-car policy before you add vehicles.