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The Most Popular Auto Insurance Carriers In Texas

Ah, Texas. Home to over 27 million people, Texas is known for its humidity, friendliness and fried foods. Texans are also notable for being loyal. This doesn’t ring more true than with their favorite three car insurance providers: Mercury, Progressive and Kemper Specialty. If you’re about to make the move to the Lone Star state, use CoverHound for your car insurance Texas needs and learn why Mercury, Progressive and Kemper Specialty make the Texan grade.

Texan Insurance Laws

As we’ve learned traveling by car between states, every state has a slightly different law when it comes to carrying auto insurance. Texas of course is no exception. A fault state, Texas requires their motorists to pay for any damages in an accident they have caused. If the other driver sustained injuries in the vehicle collision, they file a claim with their own insurance company first, this is what is called a first-party claim. The wounded party can also ask for reparation from the at-fault motorist’s insurance company, in what is called a third-party claim. If the victim(s) of the crash do not wish to take either of these routes, they can file a lawsuit and sue the at-fault driver.

Texans must carry auto liability insurance to satisfy the minimum auto insurance carrying laws. The minimum amount includes:

On average, Texans spend just over $500 a year in insurance premium dues. With the average insurance rate coming to over $1,000 a year for the average American, Texans are clearly saving money with carriers like Mercury, Progressive and Kemper Specialty.

Common Road Accidents in Texas

Although Texans are paying less than the national average on their insurance premiums, the accident rate has remained fairly stable. In 2012 (current available data) Texas had over 47,500 accidents reported. According to the Daspit Law Firm, the eight common causes for traffic accidents in Texas are:

In looking at the common accidents listed above, you’ve probably been witness to some of these same poor driving habits when you’re out on the road. To help safeguard themselves in these driving conditions, Texans look to Mercury, Progressive and Kemper Specialty to help them get the coverage they need at a price they can afford.


Rated as one of the Top 100 Most Trustworthy Companies for three years running, Mercury built their reputation on the service, security and savings they have provided their customers since the 1960s. Originally founded in Los Angeles, California, Mercury offers their services in 13 states, including:

Who can go wrong with a company so readily available?


As you have learned in some of our more recent articles, Progressive insurance was the first company to give their clients a choice between paying a monthly premium or annual fee for their auto insurance coverage. Progressive strives for excellence and works hard to provide their clients with fair, quality insurance.

Kemper Specialty

Available in all 50 states, Kemper Specialty offers auto, home, health and life insurance to their clients. Employing 6,000 representatives and having $8 billion in total assets, Texans know that when they file a claim, it’s going to be taken care of.

Finding insurance is easy when you use CoverHound. Click here to learn more about what we offer and how we can help you.

Insurance shopping simplified

Review personalized quotes, select coverages, and buy online - Everything insurance, all-in-one-place.

Insurance shopping simplified

Review personalized quotes, select coverages, and buy online - Everything insurance, all-in-one-place.

Insurance shopping simplified

Review personalized quotes, select coverages, and buy online - Everything insurance, all-in-one-place.
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