...20/F 1st time rider.? I am willing to pay more, I just dont want to get cheap insurance that doesn't cover me. No subrogation clauses, I want to be covered as much as I possibly can. I am in TX. Is Allstate good? My car is under Allstate. I have heard Dairyland Insurance is good...anyone have experience with it? I dont have any tickets or violations on my record.

AllState is certainly a reputable company.
The key to getting good insurance is to dish out the dollars, as you seem to be willing to do.