Updated: December 19, 2025
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State Farm: Cheapest across most driver profiles. At $50 monthly for minimum coverage and $116 for full coverage, State Farm saves drivers 45% compared to Houston's average.
GEICO: Second cheapest at $75 monthly minimum and $153 full coverage. It's affordable for young drivers, seniors and drivers with speeding tickets.
AAA: Third cheapest at $77 monthly minimum and $160 full coverage, with rates 22% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Houston:
State Farm offers the cheapest minimum coverage at $51 monthly, while GEICO is the second cheapest at $75. For full coverage, State Farm stays the cheapest at $117 monthly, with GEICO second at $153. Both save you over 24% compared to Houston's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| State Farm | $51 | $117 | -45% |
| Geico | $75 | $153 | -24% |
| Mercury Insurance | $75 | $172 | -18% |
| AAA | $77 | $160 | -22% |
| Germania Insurance | $89 | $182 | -10% |
Not in Houston? Read more about the cheapest car insurance or the best provider in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. State Farm offers the cheapest full coverage at $259 monthly. GEICO charges $277, and Germania costs $344.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| State Farm | $259 | $3,111 | -43% |
| Geico | $277 | $3,327 | -39% |
| Germania Insurance | $344 | $4,134 | -25% |
| AAA | $361 | $4,328 | -21% |
| Allstate | $437 | $5,239 | -5% |
Senior drivers in Houston pay lower rates than most age groups. State Farm charges the least at $130 monthly for full coverage. GEICO costs $182, and Germania charges $189. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older.
| State Farm | $130 | $1,563 | -47% |
| Geico | $182 | $2,188 | -25% |
| Germania Insurance | $189 | $2,264 | -23% |
| AAA | $206 | $2,472 | -16% |
| Progressive | $233 | $2,800 | -4% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $60 monthly for minimum coverage, compared to Germania's $90. For speeding tickets, State Farm costs $51 a month, and GEICO charges $86. State Farm offers the best DUI rates at $82 monthly, with Mercury at $102.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $60 | -54% |
| At-Fault Accident | Germania Insurance | $90 | -30% |
| DUI | State Farm | $82 | -42% |
| DUI | Mercury Insurance | $102 | -28% |
| Speeding Ticket | State Farm | $51 | -54% |
| Speeding Ticket | Geico | $86 | -21% |
Houston rates span from $166 to $259 monthly for full coverage, depending on your ZIP code. High-risk areas like 77071 cost $259. Safer neighborhoods like 77345 cost $166.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $93 monthly gap between Houston's most and least expensive ZIP codes.
| 77071 | $259 |
| 77093 | $254 |
| 77020 | $253 |
| 77053 | $251 |
| 77012 | $249 |
| 77048 | $248 |
| 77047 | $247 |
| 77040 | $241 |
| 77036 | $215 |
| 77099 | $215 |
| 77345 | $166 |
| 77062 | $167 |
| 77339 | $167 |
| 77059 | $167 |
| 77094 | $170 |
| 77058 | $171 |
| 77007 | $175 |
| 77098 | $176 |
| 77019 | $177 |
| 77027 | $178 |
State Farm leads Houston's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
Mercury, GEICO, AAA and Progressive are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Mercury Insurance | 90 | 4 | 5 | 4 |
| Geico | 89 | 2 | 6 | 6 |
| AAA | 89 | 3 | 4 | 6 |
| Progressive | 88 | 6 | 2 | 2 |
Cheapest rates across all driver profiles
Full coverage rates 45% below city average
4.5 out of 5 customer service rating
Inconsistent customer service response times
No usage-based insurance options available
Limited coverage flexibility compared to competitors
State Farm ranks first in Houston with the lowest rates across all driver profiles and a 4.5 out of 5 customer service rating. It charges full coverage rates 45% below the city average and provides 24/7 digital support through its mobile app.
State Farm handles hurricane season when weather-related claims spike with comprehensive coverage for vehicle theft risks and rental car coverage when vehicles are damaged by severe weather.
Comprehensive coverage options for Texas drivers
Accepts high-risk drivers with past violations
Customizable policies for Houston-specific risks
Slow claim processing and unresponsive customer service
Rental coverage requires separate add-on purchase
Below-average customer experience compared to competitors
Mercury ranks fourth in Houston with comprehensive coverage options tailored to the city's driving challenges and strong coverage scores. It offers competitive rates for high-risk drivers and provides hurricane season support through 24/7 digital tools and weather-related coverage options.
Mercury handles Houston-specific risks like uninsured motorists and severe weather conditions, and its mobile app enables quick claim filing.
Houston drivers pay some of the highest car insurance rates in Texas. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Houston's risk profile. Your driving record improves after three years, unlocking lower rates.
Our Houston FAQ answers your top insurance questions, helping you understand coverage choices and find affordable rates.
Houston car insurance is relatively expensive. It costs $198 a month for full coverage. The most expensive location in Texas costs $225 per month, and the cheapest costs $48.
Finding affordable car insurance in Houston starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 77071 often pay much more than those in 77345.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Houston ZIP code.
Our ratings for the best car insurance in Houston are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Houston neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
