BestCar InsuranceHoustonThe Best Car Insurance in Houston, TX, for 2023
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The Top Car Insurance Companies in Texas
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MoneyGeek’s research revealed that State Farm is the best auto insurance company in Houston overall. It’s important to remember that your driver profile and individual needs may mean a different insurer is better for you. MoneyGeek found the best options for drivers with violations, younger or older drivers and those with a military background. If your priority is saving money, MoneyGeek also identified the cheapest car insurance in Houston.
BestCar InsuranceHoustonThe Best Car Insurance in Houston
Overall - State Farm
Minimum Coverage - State Farm
Young Drivers - State Farm
Senior Drivers - State Farm
Driving Violations - State Farm
Military - USAA
Best Car Insurance Companies in Houston: Overall
MoneyGeek evaluated top-rated car insurance providers in Houston based on average rates, claims ratings and customer satisfaction scores. Using these factors, we determined that the best insurers in Houston are:
- State Farm: 95 out of 100
- Farmers: 93 out of 100
Ranking only a few points higher than State Farm, USAA earned a MoneyGeek score of 96 out of 100, making it the best insurer in Houston. However, we excluded USAA from our analysis because their plans are only available to eligible military members and families.
The Top Car Insurance Companies in Houston
1
State FarmOverall
Score:95
State Farm received a near-perfect score in affordability and above-average scores in customer satisfaction and claims. A State Farm full coverage policy costs $972 per year on average. You can get rideshare insurance with State Farm.
More About State Farm
An uncommon coverage that State Farm offers is rideshare insurance. If you work for a ridesharing company, you can get rental car reimbursement, medical and emergency roadside assistance when you need it.
State Farm policyholders can also get roadside assistance and rental car or travel reimbursement. Roadside assistance covers services such as towing, delivering gas and more. Rental car reimbursement covers transportation or lodging costs up to $500 and up to $500 repayment of your deductible if you are responsible for an accident while driving your rental car.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:93
Farmers earned relatively high scores in customer satisfaction and claims and excellent ratings in affordability. With Farmers, a full coverage policy costs an average of $887 annually. Farmers offers unique coverages for custom parts, a glass deductible modification and Original Equipment Manufacturer (OEM) coverage.
More About Farmers
With custom parts coverage, you can protect the equipment you installed even if the manufacturer didn’t make it. Farmers allows you to add this coverage if you have a full coverage policy with them.
You can also get OEM coverage, which helps with expenses for repairing factory-original parts as long as your vehicle is up to 10 years old. A glass deductible modification covers glass-only damages by reducing your comprehensive deductible to $100.
Read MoneyGeek's Farmers auto Insurance ReviewRESOURCES ON CAR INSURANCE IN HOUSTON, TEXAS
For drivers on a budget, MoneyGeek analyzed Houston's cheapest car insurance companies. For more information on car insurance in Texas, you can browse the links below.
Best Cheap Car Insurance for Minimum Coverage in Houston
MoneyGeek analyzed the best companies for drivers who need minimum coverage in Texas. State laws mandate minimum coverage. In Houston, the top-rated insurance providers for minimum coverage policies are:
- State Farm: 94 out of 100
- Farmers: 94 out of 100
MoneyGeek’s scores take into account various driver backgrounds, including those with driving violations and younger or older drivers.
MoneyGeek’s Pick: State Farm
pros
A minimum coverage policy costs $528 per year on average
Discounts available for new vehicles, airbags and defensive driving
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
Doesn’t offer Pay-in-Full or Paperless discounts
COMPANY HIGHLIGHTS
State Farm offers common discounts like bundling, multiple car and safe driving. You can get discounts if you bundle your auto and home insurance or insure multiple vehicles with State Farm.
You can also get other discounts with State Farm for safe driving or having a new vehicle. You can get a safe driving discount if you’ve had a policy with State Farm for three consecutive years and have no driving violations. The insurer’s new vehicle discount can help you save money on medical payments if your car was made in 1994 or later.
Best Car Insurance for Young Drivers in Houston
MoneyGeek ranked the best car insurance companies in Houston for young drivers. If you’re looking for a top-rated auto insurer, our picks are:
- State Farm: 91 out of 100
- GEICO: 91 out of 100
We based our scores on a range of policy coverages and driving histories for 18-year-old drivers. Usually, car insurance for young drivers and student drivers is more expensive because younger drivers lack experience.
MoneyGeek’s Pick: State Farm
pros
An affordable full coverage policy for a safe driver costs $2,873 per year on average
Offers ideal discounts for young drivers: good student, distant student and driver’s education
Received high claims and user satisfaction ratings from MoneyGeek
cons
Doesn’t offer accident forgiveness
COMPANY HIGHLIGHTS
Adding a young driver to your policy can be a significant expense. State Farm offers affordable rates and excellent service for younger drivers. It’s important for your insurer to offer excellent service, especially when you need to file a claim or have urgent concerns.
State Farm provides young drivers with relevant discounts including its good student discount, which allows drivers with a B average or 3.0 GPA to get a discount. State Farm’s roadside assistance can help cover services for mechanical labor, delivery of gas or oil, towing and more, which can be vital for younger drivers.
Best Car Insurance for Senior Drivers in Houston
MoneyGeek ranked the top auto insurance providers in Houston based on their ratings for senior drivers' profiles. In Houston, the best insurers for senior drivers are:
- State Farm: 96 out of 100
- Farmers: 91 out of 100
To calculate these scores, we analyzed various driving histories and policy coverages for 70-year-old drivers. Car insurance rates are a bit pricier for seniors than for middle-aged drivers.
MoneyGeek’s Pick: State Farm
pros
A full coverage policy for a safe driver costs an average of $939 per year
Provides a defensive driving discount
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
Doesn’t offer a senior driver discount
No unique coverages
COMPANY HIGHLIGHTS
It’s important to note that the average car insurance is the same as car insurance for seniors. However, insurers can charge more. State Farm is an affordable auto insurance option, especially with its added perks.
State Farm offers policyholders a discount for defensive driving. If you complete an approved defensive driving course, you may be eligible for this discount. However, the company doesn’t offer many common coverages apart from roadside assistance and rental car or travel reimbursement. State Farm also doesn’t have rare coverages.
Best Car Insurance With a Driving Violation in Houston
After being convicted of a driving violation, it can take some time to find the right insurance company. MoneyGeek analyzed top-rated companies for drivers with an at-fault accident on their record in Houston and found that the best options are:
- State Farm: 95 out of 100
- GEICO: 89 out of 100
We base our ratings on different coverage levels and driver ages. Drivers with a bad record have more expensive car insurance premiums since they’re more likely to file claims.
MoneyGeek’s Pick: State Farm
pros
A full coverage policy for a 40-year-old driver with an accident on their record costs an average of $1,171 per year
Offers seven out of nine common discounts
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
Only offers standard coverages
Doesn’t offer accident forgiveness
COMPANY HIGHLIGHTS
If you have an accident or violation on your record, State Farm is an auto insurance company that offers excellent service at a reasonable price. One disadvantage for drivers with bad records is that State Farm doesn’t offer better car replacement or new car replacement, which are coverages that may fit this profile’s needs.
State Farm makes up for this by offering many widely available and common discounts for policyholders. They offer discounts for things like bundling, defensive driving, insuring multiple cars and for good students.
Best Car Insurance With a Military Background in Houston
In Houston, USAA provides the best balance of affordability and customer satisfaction for military members. USAA earned a MoneyGeek score of 97 out of 100. MoneyGeek examined different driver profiles and coverage levels to arrive at this score.
USAA offers auto insurance policies exclusively to eligible military members and their families.
MoneyGeek’s Pick: USAA
pros
A full-coverage policy costs $967 per year on average for a 40-year-old driver
USAA offers five of the most common discounts, including bundling
MoneyGeek claims rating of 5 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
cons
USAA only offers three of seven common coverages, excluding new car replacement
Exclusively for military members, veterans and their families
COMPANY HIGHLIGHTS
USAA is an excellent option for military drivers and is consistent in providing quality service at an affordable price. USAA also earned perfect scores in claims and customer satisfaction ratings.
With USAA, you can add common coverages like roadside assistance, rental car and/or travel reimbursement and accident forgiveness. If you get into your first at-fault accident but you’ve had a clean record for the past five years, USAA will not increase your rates. One downside is that USAA doesn’t offer other coverages that you can add to your policy.
For military drivers looking for ways to save, USAA offers five out of nine common discounts: bundling, multiple car, good student, safe driving and defensive driving. A rare discount that USAA offers is for vehicle storage. If you store your insured car, you can save up to 60% on monthly payments.
Methodology
MoneyGeek gathered quotes and information from insurance companies in Houston, Texas, to determine the best insurers in the city. We used scores from industry leaders AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC) for our research.
Categories are scaled to five points each, while the overall score is scaled to 100 points to generate our composite MoneyGeek score. For Houston and all other cities where we rate the best car insurance, weightings were adjusted for each category below:
- Affordability (70%): MoneyGeek compared quotes from insurers in Houston to rank providers according to how much policies cost. If a provider offered the cheapest rate in Houston, it garnered a perfect score of five.
- Customer satisfaction and claims satisfaction (20%): MoneyGeek utilized J.D. Power scores. J.D. Power’s surveys measured customer satisfaction based on an insurance provider’s service and claims. Each category was weighted at 10%.
- Financial stability (10%): AM Best ratings were used for this category. This helped MoneyGeek determine an insurance provider’s ability to fulfill obligations even in financially turbulent times.
MoneyGeek evaluated different driver types and considered factors such as their age, driving record and level of coverage to determine an insurer’s overall affordability score. Results were made to include each driver profile. MoneyGeek then outlined insurance companies that suit their needs. For example, to find the best insurer for military personnel, MoneyGeek used a sample profile of a 40-year-old male with a clean driving record.
Based on MoneyGeek’s methodology, auto insurance premiums reflect costs for a full coverage policy with the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
MoneyGeek’s car insurance methodology outlines where and how we gather information for our comparisons and scoring.
About Mark Fitzpatrick
