Best Car Insurance Companies in Houston, TX

Texas Farm Bureau is the cheapest option for a minimum coverage policy. It’s also ideal for young adults and senior drivers. Chubb is a solid choice if you prioritize customer service, whereas Allstate is best for drivers with new vehicles. We selected State Farm as the best option for teens and drivers with offenses.

If you’re looking for more budget-friendly options, MoneyGeek listed the cheapest car insurance companies in Houston.

MoneyGeek analyzed the top auto insurance providers in Houston and found that the top two picks are:

• Texas Farm Bureau: MoneyGeek score 80 out of 100 ($904 per year)
• State Farm: MoneyGeek score 76 out of 100 ($840 per year)

Texas Farm Bureau ranked second in both affordability and customer satisfaction, making it our top pick for Houston. This means it delivers excellent customer service at an affordable rate. Our research revealed that Texas Farm Bureau is also the best car insurance provider in Texas.

Meanwhile, USAA earned a MoneyGeek score of 81 out of 100 and is an excellent option for those with a military background.

We ranked 12 auto insurance companies in Houston and found that Texas Farm Bureau is the best overall provider. It has the second most affordable rates at $904 per year paired with the second-highest customer satisfaction ratings. State Farm is the cheapest carrier, but it lags behind Texas Farm Bureau in terms of customer service. Foremost leads in customer satisfaction and Chubb wins for claims management, but both are much more expensive than our category winner.

Rates mentioned here are for full coverage policies, and we only assigned MoneyGeek scores to companies that offered enough data for each scoring component like affordability, service quality, financial stability and coverage options.

When disregarding cost, the best car insurance carriers for customer service in Houston are:

• Chubb: MoneyGeek score 76 out of 100 ($1,619 per year)
• Foremost: MoneyGeek score 67 out of 100 ($1,943 per year)

Chubb was the clear winner in this category, earning the third-highest score for customer satisfaction and ranking first for claims management. Compared to quotes from similar providers, Chubb has relatively expensive rates.

Filing claims after an accident or breakdown can be stressful, and companies with good customer service will promptly address customers' concerns and claims. We found that Chubb outshines its competitors in this category because of its top-notch claims management and high customer satisfaction rating. Foremost has a slightly higher rating for customer satisfaction but fell behind in claims handling and financial stability.

We analyzed car insurance companies based on their affordability and service quality for minimum coverage policies. Here are the top auto insurance companies that meet the baseline coverage requirements in Texas:

• Texas Farm Bureau: MoneyGeek score 81 out of 100 ($424 per year)
• State Farm: MoneyGeek score 78 out of 100 ($414 per year)

The minimum car insurance requirements in Texas apply to every city in the state. Minimum coverage policies are usually more affordable but offer the least amount of liability coverage and don't cover any damages to your own vehicle.

The best insurer for a minimum coverage policy should provide both affordable rates and excellent customer service. Sometimes, cheap premiums come with worse customer service, but that's not true with Texas Farm Bureau since the company offers both. State Farm offers slightly more affordable rates but received a lower customer satisfaction rating.

In Houston, drivers in their 20s will likely get the best auto insurance policies with the following companies:

• Texas Farm Bureau: MoneyGeek score 80 out of 100 ($1,113 per year)
• State Farm: MoneyGeek score 76 out of 100 ($1,078 per year)

With Texas Farm Bureau, young adults don't need to worry about trading service quality for cost — the company ranked second-highest for affordability and customer satisfaction. MoneyGeek also compiled the top auto insurance companies for young adult drivers to help you pick an ideal provider.

Young drivers looking for a reliable auto insurance provider should focus on factors like service quality, affordability and relevant discounts. Texas Farm Bureau is our top pick because it provides cheap rates, top-notch customer service and discounts for young drivers. State Farm, our runner-up, is slightly more affordable, but it has lower customer satisfaction and claims management ratings.

The best car insurance companies for teens on a family policy in Houston are:

• State Farm: MoneyGeek score 76 out of 100 ($2,673 per year)
• Foremost: MoneyGeek score 74 out of 100 ($4,746 per year)

Out of the six auto insurance we compared for this category, State Farm is the second-cheapest option for family policies. It also ranked second for customer satisfaction, offering teens and their families a balance of quality service and reasonable rates.

Adding a teen to a family plan is a great way to save money as it's much cheaper than a teen purchasing an individual policy. It's also important to note that in most cases, teens under 18 cannot legally purchase an individual policy without a parent or guardian as a cosigner. In Houston, teens can save an average of $3,267 per year by joining their family's plan.

When it comes to finding the best car insurance for teen drivers, you should consider affordability, customer satisfaction and discounts that are tailored to teens. Among the providers in our study, State Farm stands out as the best option for teen drivers because it provides affordable rates, good customer service and useful discounts. Foremost is our second choice and has better overall customer service than State Farm, but it is significantly more expensive.

The following companies offer the best car insurance for senior drivers in Houston:

• Texas Farm Bureau: MoneyGeek score 81 out of 100 ($749 per year)
• Chubb: MoneyGeek score 77 out of 100 ($1,408 per year)

Our study revealed that Texas Farm Bureau is the best option for senior drivers as it received the best and second-best scores for affordability and customer satisfaction, respectively. Car insurance rates for seniors are generally around the same as rates for drivers in their 30s to 50s. However, premiums tend to be more expensive for drivers in their 70s.

We encourage older drivers to select providers with affordable policies and coverages such as personal injury protection (PIP) or medical payments coverage. These options offer extra financial protection and can help cover your medical expenses after an accident. While Texas Farm Bureau doesn't offer discounts for seniors, it came out on top thanks to its cheap premiums and high-quality customer service. Chubb ranked higher for claims management, but its high cost brought down its overall score.

The best auto insurance companies in Houston following a driving violation are:

• State Farm: MoneyGeek score 76 out of 100 ($1,525 per year)
• Texas Farm Bureau: MoneyGeek score 76 out of 100 ($1,788 per year)

State Farm ranked first for affordability and received a high customer satisfaction score. Auto insurance rates tend to increase depending on the severity of an offense. Drivers who get a speeding ticket in Houston pay, on average, $295 more per year than drivers with a clean record. Meanwhile, drivers with a DUI pay $653 more. MoneyGeek rounded up the best car insurance providers for drivers with poor records to help you find a suitable option.

When searching for car insurance for drivers with a poor record, it's important to find an insurer with affordable rates, discounts and add-ons like accident forgiveness and roadside assistance. State Farm is our pick for this category because of its competitive pricing and strong customer satisfaction ratings. Texas Farm Bureau, our runner-up, ranked slightly higher for customer service but is more expensive and doesn't offer any additional coverage options compared to State Farm.

If you have a new car in Houston, the top auto insurance company is Allstate. Here are the best options:

• Allstate: MoneyGeek score 73 out of 100 ($1,718 per year)
• Foremost: MoneyGeek score 53 out of 100 ($2,588 per year)

To determine the rankings for this category, we evaluated affordability and service quality for Texas drivers with a 2022 model car, and we only included insurers that offered better or new car replacement coverage. This add-on covers the cost of a brand-new car of the same make and model if yours is totaled in a covered incident. Allstate emerged as our top choice because it balances it was the most affordable in our comparison group and earned a high coverage score.

Drivers with a new vehicle should choose an auto insurance company that provides new or better car replacement coverage. This add-on coverage helps financially protect your new purchase and can save you a lot of money if your car is deemed a total loss. Allstate is an excellent choice in Houston thanks to its affordable premiums and availability of new car replacement coverage. While other companies may have received higher overall MoneyGeek scores, they did not qualify for this category because they lacked new car replacement coverage.

Consider your driver profile and needs when shopping for the best auto insurance in Houston. To help your decision-making process, we’ve answered some commonly asked questions.