In your search for the best car insurance in Houston, you may realize that your location plays a significant role in getting an affordable quote. For you to get the best car insurance rate available to you in Houston, it’s important that you seek a personalized quote.
Compare the Cheapest Car Insurance Quotes in Houston, TX
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Average Cost of Car Insurance in Houston
Houston$1,560
Texas$1,316
U.S.$1,424
The average annual cost of car insurance in Houston is $1,560, which is higher than the Texas state average and the national average cost of car insurance. Drivers in Houston pay 18.5% more than the average annual cost of car insurance in Texas and 9.5% more than the national average.
Compare Car Insurance Rates in Houston
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Cheap Car Insurance Companies in Houston
The company-by-company differences in car insurance rates in Houston can be significant, so it’s vital for you to compare car insurance quotes carefully. On average, the most affordable car insurance company in Houston is State Farm, while the most expensive car insurance company is The General. For many drivers, a car insurance policy from The General is approximately four times more expensive than similar coverage with State Farm.
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- CompanyAmountper year
- 1. Farmers$887
- 2. USAA$967
- 3. State Farm$972
- 4. GEICO$1,087
- 5. AAA$1,236
Personalized Quotes to Get You the Cheapest Car Insurance in Houston
There are several factors that need to be considered when determining car insurance quotes in Houston. These factors include the driver's age, gender, ZIP code, driving record and the make and model of the vehicle.
For example, in Houston, a Farmers policy for an 18-year-old driver is approximately four times more expensive than a policy for a 40-year-old driver. Also consider that in Houston, a Farmers policy for a driver with DUI record is nearly twice as expensive as a policy for a driver with a clear record.
Car insurance companies in Houston assess the risk associated with the driver to determine the best car insurance rates for them. The factors used in the calculation can change over time, so it’s important for you to request a personalized quote regularly to make sure that you are getting the cheapest car insurance quote that is best suited for you.
Compare Car Insurance Rates in Houston
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Houston by Coverage Amount
How much car insurance coverage you purchase in Houston also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Different types of car insurance policies in Houston have varying degrees of coverage. For example, Farmers offers both 50/100/50 liability plans and 50/100/50 full-coverage plans which can cover up to $50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident.
The full-coverage policy, which also adds collision coverage and comprehensive insurance, costs $340 more than a liability-only policy for most drivers. You’ll want to request a personalized quote so you can figure out how much you need to spend for a full-coverage plan.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. Farmers$464$494
- 2. USAA$474$524
- 3. State Farm$528$592
- 4. GEICO$611$667
- 5. AAA$637$708
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. Farmers$834$887
- 2. USAA$876$967
- 3. State Farm$885$972
- 4. GEICO$979$1,087
- 5. AAA$1,134$1,236
Compare Car Insurance Rates in Houston
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Houston if You Have Tickets
Your driving record also affects your car insurance premium cost in Houston. The more violations you have, the higher your car insurance rates may be. For example, in Houston, a Farmers car insurance policy for a driver with a clean record costs $887, but if the driver has a speeding ticket, then they need to pay an extra $277 for the same policy with similar coverage.
Another example is for State Farm policyholders in Houston, drivers with a DUI on their record pay an average of $664 more than drivers with a clear record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. Farmers$1,164$1,263$1,308
- 2. State Farm$972$1,171$1,636
- 3. USAA$1,087$1,525$1,436
- 4. GEICO$1,278$1,548$1,933
- 5. Allstate$1,270$1,918$2,007
Average Cost of Car Insurance by Postal Code
Different cities have different car insurance rates. Car insurance companies take your specific residential address into consideration when calculating your car insurance quotes. Different locations have different statistics for car accidents and this difference is reflected in the varying prices of car insurance policies. For example, drivers who live in the 77036 ZIP code in Houston pay an average of $304 more in annual car insurance premiums than drivers who live in ZIP code 77095, the city’s most affordable neighborhood for car insurance.
- Zip CodeState Minimumper year
- 77095$1,429
- 77077$1,453
- 77015$1,455
- 77084$1,508
- 77082$1,552
top ratedCar Insurance agentsHouston2021Top Agents Offering Affordable Car Insurance in Houston
1. Suzanne Brown Insurance Agency11999 Katy Fwy, Ste 635, Houston, TX, 77079
2. Hartgrove Insurance9894 Bissonnet St, Ste 720, Houston, TX, 77036
3. Farmers Insurance - Mark Rafail3311 Richmond Ave, Ste 350, Houston, TX, 77098
4. Barry Hoskins - State Farm Insurance Agent602 Sawyer St, Ste 111, Houston, TX, 77007
5. Natalie Barry - State Farm Insurance Agent908 Kipling St, Houston, TX, 77006
Insurance Providers That Serve Houston
Factors That Impact Insurance Costs in Houston
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Houston. How Houston ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Houston could save you $673, which is enough to buy:
224Cups of Coffee
52Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Houston are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Houston
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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