bestauto insuranceHouston2022Compare the Cheapest Car Insurance Quotes in Houston, TX
The average cost of car insurance in Houston is $1,560 per year, higher than the average rate in Texas. Farmers, the cheapest company for average drivers, has an average rate of $887. MoneyGeek also evaluated the cheapest by coverage amount and driving history. For drivers who are looking at quality and affordability, MoneyGeek recommended the best carriers.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 11/3/2022
Written By |
Mark Fitzpatrick
At $887 and $464, respectively, Farmers offers the most affordable full coverage and minimum coverage insurance in Houston. State Farm provides the cheapest insurance for drivers with a speeding ticket at $972. If you’re from a military family, USAA may be an affordable option as well.
GEICO ranked highest overall in the city as per MoneyGeek’s analysis, balancing both cost and customer service.
bestauto insuranceHouston2022The Cheapest and Best Car Insurance in Houston
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - Farmers
Best Overall - GEICO
The Cheapest Car Insurance Companies in Houston
The most affordable full coverage policies for drivers in Houston are:
- Farmers: $887 per year
- State Farm: $972 per year
USAA offers Houston’s second most affordable full coverage policy at $967, but is only available to qualified former and current military members and their families.
Farmers full coverage policy costs $3,066 less than the most expensive policy offered by The General. Full coverage policies include comprehensive and collision insurance; however, rates can vary significantly depending on the liability limits you choose.
Cheapest Car Insurance in Houston
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$887
- 2.$967
- 3.$972
- 4.$1,087
- 5.$1,236
Average insurance premiums were evaluated in accordance with MoneyGeek’s methodology, which uses a 40-year-old male driver in Houston with a full coverage policy.
A full coverage auto insurance is much costlier than a minimum coverage policy but adds comprehensive and collision insurance to minimum liability. That coverage gives you more protection after an accident and helps pay for damages to your vehicle.
- Comprehensive Coverage: This coverage pays for your repairs if your car gets damaged outside of an accident.
- Collision Coverage: If you’re in an accident, this coverage pays for the damage to your vehicle.
If you opt for full coverage for an older car, you may end up paying more for insurance than what your car is worth. In such a scenario, liability-only insurance or state minimum insurance could be a better choice to get affordable rates.
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 for Minimum Coverage
The cheapest auto insurance policies in Houston are those that meet the state’s minimum coverage requirements. The most affordable options for such coverage are:
- Farmers: $464 per year
- State Farm: $528 per year
At $474 per year, USAA is the second most affordable option for military families. Farmers’ annual premium is $1,464 cheaper than the most expensive state minimum liability provider in Houston, The General.
Although minimum coverage plans are the most affordable, they don't include comprehensive and collision insurance and have lower liability limits, all of which puts you at risk of not being fully covered.
To see how prices may change with different liability limits, check out the table below.
Cheapest Minimum Liability Car Insurance in Houston
State Minimum
- CompanyState Minimumper year
- 1.$464
- 2.$474
- 3.$528
- 4.$611
- 5.$637
An insurance policy that meets the minimum requirements in Texas includes liability coverage only. While this is the cheapest insurance option in Houston, it provides the least protection.
In the event of an accident, you may end up paying much more out of pocket than you saved on premiums. For example, Texas minimum liability covers $30,000 in bodily injury. That means if you’re at fault in an accident and the other party’s medical bills are $40,000, you’ll have to pay the remaining $10,000 yourself.
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.
Cheapest Car Insurance in Houston if You Have Driving Violations
Driving violations such as DUIs, speeding tickets and at-fault accidents can increase your insurance costs substantially.
The best insurers for drivers with violations in Houston are:
- Cheapest after a ticket: State Farm, $972 per year
- Cheapest after an at-fault accident: State Farm, $1,171 per year
- Cheapest after a DUI: Esurance, $1,302 per year
If you do have prior violations in Houston, you can reduce your increased insurance premiums by improving your driving history over time. In the meantime, look around for the best cheap car insurance options for drivers with bad records.
Cheapest Car Insurance in Houston With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$972
- 2.$1,087
- 3.$1,164
- 4.$1,270
- 5.$1,278
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.
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.
The Best Car Insurance Companies in Houston
MoneyGeek ranked car insurance companies that balance affordability and quality service for drivers in Houston. The best auto insurers in Houston based on these criteria are:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA ranked highest as per MoneyGeek’s rating system and may be the best option for veterans, military members and their families.
MoneyGeek evaluated customer satisfaction, affordability and insurer financial stability to calculate the final scores. We also used data from data analytics and consumer intelligence company J. D. Power and other independent outfits.
1
USAA
Score:100
2
State Farm
Score:95
3
Farmers
Score:93
4
GEICO
Score:89
5
Auto Club of Southern California Insurance Group
Score:85
6
Allstate
Score:82
7
Progressive
Score:80
8
Nationwide
Score:78
9
Liberty Mutual
Score:73
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
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.
About the Author
