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Various factors affect the cost of car insurance, including driver profile and needs.

The cheapest for full and minimum coverage in Houston is State Farm. It’s also the most affordable for teens, young adults, military-affiliated drivers, and with a violation. Texas Farm Bureau is the cheapest for seniors, while Allstate is the lowest with poor credit.

For individuals looking for a balance of affordability and quality service, MoneyGeek found the best car insurance in Houston.

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2023

Cheapest Car Insurance in Houston, TX

Cheapest Minimum Coverage Car Insurance in Houston

On average, the most affordable car insurance providers for a minimum coverage policy in Houston are:

  • State Farm: $414 per year
  • Texas Farm Bureau: $424 per year

Dairyland is the most expensive car insurance company for a minimum coverage policy in Houston, costing an average of $1,590 per year.

State Farm is also the cheapest auto insurance company in Texas as of October 2022, with an average premium of $300 per year. In Houston, the company charges more, displaying how location can affect costs.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$369

$31

State Farm

$385

$32

State Farm

$414

$34

Texas Farm Bureau

$424

$35

Allstate

$489

$41

Allstate

$501

$42

State Farm

$505

$42

Mercury

$520

$43

Texas Farm Bureau

$543

$45

Mercury

$570

$48

Nationwide

$607

$51

AAA Texas

$607

$51

Allstate

$613

$51

Nationwide

$637

$53

AAA Texas

$637

$53

Mercury

$682

$57

GEICO

$693

$58

Chubb

$697

$58

National General

$697

$58

National General

$720

$60

Progressive

$721

$60

GEICO

$731

$61

Progressive

$737

$61

Texas Farm Bureau

$749

$62

State Farm

$763

$64

Chubb

$766

$64

AAA Texas

$780

$65

GEICO

$802

$67

State Farm

$840

$70

Nationwide

$863

$72

Progressive

$876

$73

National General

$886

$74

Texas Farm Bureau

$904

$75

Foremost

$905

$75

Allstate

$997

$83

Nationwide

$1,028

$86

Foremost

$1,066

$89

State Farm

$1,078

$90

Allstate

$1,086

$90

Texas Farm Bureau

$1,113

$93

Mercury

$1,154

$96

AAA Texas

$1,195

$100

AAA Texas

$1,203

$100

Mercury

$1,222

$102

Foremost

$1,248

$104

GEICO

$1,256

$105

GEICO

$1,272

$106

Nationwide

$1,273

$106

Chubb

$1,345

$112

Chubb

$1,408

$117

Allstate

$1,456

$121

GEICO

$1,500

$125

Dairyland

$1,530

$128

Nationwide

$1,547

$129

AAA Texas

$1,569

$131

Mercury

$1,587

$132

Dairyland

$1,590

$133

Chubb

$1,619

$135

National General

$1,635

$136

National General

$1,776

$148

Progressive

$1,819

$152

Dairyland

$1,882

$157

Progressive

$1,898

$158

Foremost

$1,943

$162

National General

$2,030

$169

Foremost

$2,087

$174

Progressive

$2,380

$198

Dairyland

$2,394

$199

Chubb

$2,530

$211

Foremost

$2,613

$218

Dairyland

$2,636

$220

Dairyland

$3,215

$268

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Texas law states that car insurance policies must meet at least the minimum coverage limits for bodily injury liability and property damage liability.

The limits are:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

An auto insurance policy provides financial protection against expenses incurred due to an accident. Liability coverage pays for damages or injuries the policyholder causes to others in an at-fault accident.

For example, you have a policy with $50,000 in bodily injury liability per person. If you cause an accident wherein a party gets injured, your insurance company will only cover up to $50,000, so if the injured incurs costs above $50,000, they are your responsibility.

Cheapest Full Coverage Car Insurance in Houston

On average, the cheapest auto insurance companies for a full coverage policy in Houston are:

  • State Farm: $840 per year
  • Texas Farm Bureau: $904 per year

Dairyland, which has an average annual rate of $2,636, is the priciest option for a full coverage policy in the city.

As of October 2022, State Farm also offers the cheapest full coverage auto insurance in Texas. Its average annual premium across the Lone Star State is $711, lower than the cost in Houston.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$369

$31

State Farm

$385

$32

State Farm

$414

$34

Texas Farm Bureau

$424

$35

Allstate

$489

$41

Allstate

$501

$42

State Farm

$505

$42

Mercury

$520

$43

Texas Farm Bureau

$543

$45

Mercury

$570

$48

Nationwide

$607

$51

AAA Texas

$607

$51

Allstate

$613

$51

Nationwide

$637

$53

AAA Texas

$637

$53

Mercury

$682

$57

GEICO

$693

$58

Chubb

$697

$58

National General

$697

$58

National General

$720

$60

Progressive

$721

$60

GEICO

$731

$61

Progressive

$737

$61

Texas Farm Bureau

$749

$62

State Farm

$763

$64

Chubb

$766

$64

AAA Texas

$780

$65

GEICO

$802

$67

State Farm

$840

$70

Nationwide

$863

$72

Progressive

$876

$73

National General

$886

$74

Texas Farm Bureau

$904

$75

Foremost

$905

$75

Allstate

$997

$83

Nationwide

$1,028

$86

Foremost

$1,066

$89

State Farm

$1,078

$90

Allstate

$1,086

$90

Texas Farm Bureau

$1,113

$93

Mercury

$1,154

$96

AAA Texas

$1,195

$100

AAA Texas

$1,203

$100

Mercury

$1,222

$102

Foremost

$1,248

$104

GEICO

$1,256

$105

GEICO

$1,272

$106

Nationwide

$1,273

$106

Chubb

$1,345

$112

Chubb

$1,408

$117

Allstate

$1,456

$121

GEICO

$1,500

$125

Dairyland

$1,530

$128

Nationwide

$1,547

$129

AAA Texas

$1,569

$131

Mercury

$1,587

$132

Dairyland

$1,590

$133

Chubb

$1,619

$135

National General

$1,635

$136

National General

$1,776

$148

Progressive

$1,819

$152

Dairyland

$1,882

$157

Progressive

$1,898

$158

Foremost

$1,943

$162

National General

$2,030

$169

Foremost

$2,087

$174

Progressive

$2,380

$198

Dairyland

$2,394

$199

Chubb

$2,530

$211

Foremost

$2,613

$218

Dairyland

$2,636

$220

Dairyland

$3,215

$268

A full coverage policy helps minimize potential financial losses to your vehicle as it adds comprehensive and collision insurance to liability.

  • Collision insurance: helps pay for damages due to an at-fault collision with another vehicle or an object.
  • Comprehensive insurance: covers the cost to repair or replace your vehicle if it gets damaged due to non-accident incidents, such as vandalism, fire, floods and theft.

Although a full coverage policy offers more financial protection, it may not always be ideal. For instance, if you have an older vehicle with a low value, getting full coverage may not be worth the cost.

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Cheapest Car Insurance in Houston After a Driving Offense

On average, the cheapest car insurance providers of full coverage in Houston after a driving violation are the following:

  • Speeding ticket: State Farm ($840 per year)
  • At-fault accident: State Farm ($1,041 per year)
  • DUI: State Farm ($1,525 per year)

The companies with the most expensive average premium after a driving violation are Dairyland, costing $3,268 per year for a speeding ticket; Foremost at $4,545 per year for an at-fault accident; and Chubb, at $3,173 per year for DUI.

A violation on your record can affect your car insurance rate. Even the cheapest insurer’s rate for a driver with a bad record won’t be as affordable as what a safe driver pays.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$369

$31

State Farm

$385

$32

State Farm

$414

$34

Texas Farm Bureau

$424

$35

Allstate

$489

$41

State Farm

$496

$41

Allstate

$501

$42

State Farm

$505

$42

State Farm

$528

$44

Texas Farm Bureau

$543

$45

Allstate

$613

$51

State Farm

$630

$52

Texas Farm Bureau

$676

$56

Nationwide

$721

$60

Texas Farm Bureau

$727

$61

Mercury

$736

$61

Texas Farm Bureau

$749

$62

Nationwide

$751

$63

Chubb

$753

$63

Mercury

$759

$63

State Farm

$763

$64

State Farm

$769

$64

National General

$792

$66

GEICO

$794

$66

State Farm

$801

$67

National General

$804

$67

Progressive

$807

$67

AAA Texas

$816

$68

National General

$817

$68

Chubb

$827

$69

National General

$836

$70

Allstate

$838

$70

GEICO

$839

$70

State Farm

$840

$70

Texas Farm Bureau

$841

$70

AAA Texas

$857

$71

Allstate

$860

$72

Progressive

$872

$73

GEICO

$876

$73

Progressive

$882

$74

Allstate

$888

$74

Mercury

$894

$74

State Farm

$902

$75

Texas Farm Bureau

$904

$75

Mercury

$908

$76

Allstate

$911

$76

AAA Texas

$918

$77

Mercury

$930

$77

Texas Farm Bureau

$933

$78

Progressive

$955

$80

State Farm

$959

$80

AAA Texas

$963

$80

AAA Texas

$964

$80

GEICO

$970

$81

Mercury

$971

$81

Texas Farm Bureau

$973

$81

Progressive

$980

$82

Nationwide

$989

$82

Allstate

$997

$83

National General

$1,004

$84

National General

$1,006

$84

AAA Texas

$1,011

$84

Foremost

$1,019

$85

Nationwide

$1,022

$85

State Farm

$1,041

$87

Chubb

$1,041

$87

AAA Texas

$1,049

$87

Allstate

$1,052

$88

GEICO

$1,055

$88

Progressive

$1,057

$88

Nationwide

$1,062

$88

GEICO

$1,078

$90

State Farm

$1,078

$90

Allstate

$1,086

$90

Foremost

$1,089

$91

National General

$1,094

$91

Texas Farm Bureau

$1,113

$93

Allstate

$1,114

$93

Mercury

$1,126

$94

National General

$1,144

$95

Chubb

$1,144

$95

AAA Texas

$1,180

$98

Progressive

$1,186

$99

Foremost

$1,210

$101

AAA Texas

$1,238

$103

GEICO

$1,266

$106

GEICO

$1,267

$106

Texas Farm Bureau

$1,269

$106

Nationwide

$1,273

$106

Nationwide

$1,279

$107

Texas Farm Bureau

$1,297

$108

Foremost

$1,303

$109

State Farm

$1,304

$109

Progressive

$1,306

$109

National General

$1,310

$109

Nationwide

$1,313

$109

Mercury

$1,341

$112

Chubb

$1,363

$114

Foremost

$1,367

$114

Progressive

$1,382

$115

Nationwide

$1,386

$116

GEICO

$1,393

$116

Foremost

$1,437

$120

State Farm

$1,443

$120

Chubb

$1,453

$121

Allstate

$1,456

$121

Mercury

$1,470

$123

GEICO

$1,488

$124

Nationwide

$1,492

$124

Texas Farm Bureau

$1,493

$124

Texas Farm Bureau

$1,493

$124

Chubb

$1,498

$125

GEICO

$1,500

$125

Chubb

$1,521

$127

State Farm

$1,525

$127

Nationwide

$1,531

$128

Dairyland

$1,551

$129

AAA Texas

$1,573

$131

AAA Texas

$1,578

$132

Mercury

$1,591

$133

Dairyland

$1,610

$134

Allstate

$1,627

$136

GEICO

$1,671

$139

Mercury

$1,684

$140

Allstate

$1,707

$142

Allstate

$1,741

$145

AAA Texas

$1,749

$146

Chubb

$1,750

$146

AAA Texas

$1,752

$146

Nationwide

$1,767

$147

Texas Farm Bureau

$1,788

$149

State Farm

$1,788

$149

Nationwide

$1,788

$149

GEICO

$1,815

$151

Allstate

$1,820

$152

Mercury

$1,826

$152

AAA Texas

$1,828

$152

AAA Texas

$1,830

$152

Texas Farm Bureau

$1,846

$154

GEICO

$1,869

$156

National General

$1,904

$159

Dairyland

$1,906

$159

Nationwide

$1,921

$160

Chubb

$2,011

$168

Mercury

$2,019

$168

National General

$2,022

$168

GEICO

$2,033

$169

Mercury

$2,041

$170

Dairyland

$2,055

$171

AAA Texas

$2,064

$172

Chubb

$2,104

$175

National General

$2,124

$177

Mercury

$2,134

$178

National General

$2,135

$178

Progressive

$2,153

$179

Progressive

$2,173

$181

Dairyland

$2,184

$182

Foremost

$2,220

$185

Nationwide

$2,226

$186

Texas Farm Bureau

$2,256

$188

Dairyland

$2,281

$190

AAA Texas

$2,294

$191

National General

$2,302

$192

GEICO

$2,304

$192

Foremost

$2,313

$193

Allstate

$2,336

$195

Progressive

$2,339

$195

Dairyland

$2,341

$195

Nationwide

$2,359

$197

Progressive

$2,368

$197

Foremost

$2,372

$198

AAA Texas

$2,397

$200

GEICO

$2,400

$200

Foremost

$2,402

$200

Mercury

$2,408

$201

Dairyland

$2,415

$201

GEICO

$2,420

$202

Chubb

$2,422

$202

Allstate

$2,447

$204

Nationwide

$2,470

$206

Dairyland

$2,474

$206

National General

$2,527

$211

Foremost

$2,583

$215

Chubb

$2,633

$219

National General

$2,635

$220

Progressive

$2,657

$221

Dairyland

$2,657

$221

Dairyland

$2,703

$225

Chubb

$2,734

$228

Foremost

$2,753

$229

Chubb

$2,756

$230

National General

$2,831

$236

Progressive

$2,842

$237

Foremost

$2,898

$241

Foremost

$2,914

$243

National General

$2,924

$244

Nationwide

$2,952

$246

Mercury

$2,970

$247

Mercury

$2,979

$248

Progressive

$3,018

$252

Foremost

$3,050

$254

Progressive

$3,122

$260

Chubb

$3,173

$264

Dairyland

$3,241

$270

Dairyland

$3,268

$272

Dairyland

$3,351

$279

Progressive

$3,573

$298

Dairyland

$3,665

$305

Dairyland

$3,698

$308

Chubb

$3,784

$315

Dairyland

$3,965

$330

Dairyland

$4,098

$341

Foremost

$4,545

$379

Chubb

$4,956

$413

Foremost

$5,304

$442

Foremost

$5,398

$450

Insurance providers consider risk when calculating a car insurance premium. One way of doing this is to evaluate driving records.

A speeding ticket, an at-fault accident or DUI will likely cause a higher rate, with more severe violations resulting in a further hike. For example, in Houston, a speeding ticket causes a $295 annual increase on average. Meanwhile, a DWI (Texas does not use DUI) can lead to around $653 more per year.

It’s possible to find cheap car insurance with a bad driving record. Compare quotes from multiple companies to find the proper coverage at a fair price.

Cheapest Car Insurance in Houston for Teens and Their Families

For Houston teen drivers on a family policy with full coverage, the cheapest car insurance companies, on average, are:

  • State Farm: $2,216 per year for female teens and Nationwide at $2,672 per year for male teens,
  • Nationwide: $2,327 per year for female teens and State Farm at $2,673 per year for male teens,

The most expensive company for teen drivers on a family policy in Houston is Allstate. It has an average rate of $9,262 per year for male teens and $7,861 per year for female teens.

Teen males tend to have higher rates since they’re seen as riskier to insure. For instance, the cheapest option for male teens in Houston is around $458 more than the most affordable rate for female teen drivers. The difference in insurance premiums drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$802

$3,648

State Farm

$931

$4,236

State Farm

$954

$4,926

State Farm

$1,001

$4,553

State Farm

$1,322

$4,360

State Farm

$1,450

$5,217

State Farm

$1,482

$4,887

Nationwide

$1,489

$2,847

Nationwide

$1,506

$3,079

State Farm

$1,564

$6,010

Nationwide

$1,584

$3,883

State Farm

$1,629

$5,371

Nationwide

$1,690

$3,231

Nationwide

$1,690

$4,502

Nationwide

$1,716

$3,627

State Farm

$1,735

$7,162

State Farm

$1,765

$6,352

Nationwide

$1,789

$3,420

Nationwide

$1,800

$3,681

State Farm

$1,811

$6,605

Nationwide

$1,817

$4,185

Nationwide

$1,915

$3,915

State Farm

$1,993

$8,117

Allstate

$2,060

$2,734

State Farm

$2,151

$9,026

Nationwide

$2,160

$6,469

State Farm

$2,166

$7,899

Nationwide

$2,209

$7,639

State Farm

$2,210

$9,004

State Farm

$2,216

$9,955

Allstate

$2,225

$2,822

Nationwide

$2,258

$5,534

GEICO

$2,290

$3,971

GEICO

$2,306

$4,796

GEICO

$2,316

$3,812

Nationwide

$2,327

$8,278

GEICO

$2,345

$4,067

GEICO

$2,352

$3,872

GEICO

$2,361

$4,786

Nationwide

$2,377

$8,222

GEICO

$2,401

$4,371

State Farm

$2,403

$10,128

GEICO

$2,448

$4,246

GEICO

$2,452

$4,375

Nationwide

$2,459

$8,341

GEICO

$2,482

$4,086

Allstate

$2,490

$3,305

Allstate

$2,523

$3,844

Nationwide

$2,537

$9,737

Nationwide

$2,557

$6,811

Allstate

$2,644

$3,509

State Farm

$2,665

$11,232

Nationwide

$2,672

$10,549

State Farm

$2,673

$12,432

GEICO

$2,716

$6,447

Nationwide

$2,731

$10,481

GEICO

$2,740

$5,698

Progressive

$2,782

$4,083

GEICO

$2,818

$6,554

GEICO

$2,858

$5,793

Allstate

$2,900

$3,678

Progressive

$2,904

$6,718

Foremost

$2,912

$4,885

GEICO

$2,933

$7,701

Progressive

$2,938

$4,100

Allstate

$2,960

$4,475

Allstate

$2,978

$4,336

Foremost

$2,993

$4,251

GEICO

$3,058

$7,920

Foremost

$3,131

$4,448

Foremost

$3,140

$4,643

Progressive

$3,145

$7,249

Foremost

$3,169

$4,502

Allstate

$3,185

$4,040

Foremost

$3,254

$5,637

Foremost

$3,274

$4,484

GEICO

$3,281

$8,617

Progressive

$3,329

$4,646

Progressive

$3,361

$4,933

GEICO

$3,363

$10,178

Progressive

$3,466

$9,091

GEICO

$3,469

$8,984

Allstate

$3,482

$5,067

Progressive

$3,519

$5,850

Foremost

$3,525

$4,827

Progressive

$3,529

$6,247

GEICO

$3,559

$10,750

Progressive

$3,566

$8,249

Foremost

$3,590

$5,313

Progressive

$3,616

$5,047

Foremost

$3,679

$5,038

Progressive

$3,717

$5,456

Foremost

$3,844

$13,193

Progressive

$3,915

$10,364

Allstate

$3,937

$6,951

Foremost

$3,971

$13,395

Foremost

$3,997

$13,716

Allstate

$4,057

$5,906

Progressive

$4,101

$9,452

Foremost

$4,177

$14,090

Foremost

$4,278

$8,524

Foremost

$4,321

$8,632

Progressive

$4,386

$18,854

Foremost

$4,525

$19,676

Allstate

$4,646

$8,236

Foremost

$4,727

$8,189

Foremost

$4,746

$20,547

Allstate

$4,797

$6,980

Foremost

$4,842

$8,124

Progressive

$4,874

$21,110

Progressive

$4,884

$21,810

Progressive

$5,190

$22,308

Progressive

$5,365

$24,038

Progressive

$5,671

$24,563

Allstate

$5,968

$8,326

Allstate

$7,022

$9,816

Allstate

$7,268

$10,140

Allstate

$7,861

$14,432

Allstate

$8,559

$11,963

Allstate

$9,262

$17,061

Adding a teen driver to a family policy will significantly increase the premium. However, it’s much more expensive for teens to purchase a policy themselves, and in most cases, they require a parent or guardian as a co-signer to do so legally under the age of 18.

For example, in Houston, the average cost of a full coverage family policy with a 16-year-old male driver is $3,810 per year. An individual policy costs an average of $7,077 per year. That’s around a $3,267 difference annually.

When searching for cheap auto insurance for teens, make sure you consider the different factors affecting the cost of the premium and compare all available options.

Cheapest Car Insurance in Houston for Military Drivers

The average cheapest full coverage car insurance for military-affiliated drivers in Houston is with the following:

  • State Farm: $840 per year
  • Texas Farm Bureau: $904 per year

Although not the most affordable option in Houston, USAA is one of the best insurance providers for active-duty military, veterans and their qualifying family members. The company specifically caters to drivers with a military background. On average, a USAA full coverage policy in Houston costs $1,028 per year.

For a minimum coverage policy in Houston, the most affordable options for military members are State Farm (around $414 per year) and Texas Farm Bureau (roughly $424 per year).

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$369

$31

State Farm

$385

$32

State Farm

$414

$34

Texas Farm Bureau

$424

$35

USAA

$479

$40

Allstate

$489

$41

Allstate

$501

$42

State Farm

$505

$42

USAA

$512

$43

Mercury

$520

$43

Texas Farm Bureau

$543

$45

Mercury

$570

$48

USAA

$578

$48

Nationwide

$607

$51

AAA Texas

$607

$51

Allstate

$613

$51

Nationwide

$637

$53

AAA Texas

$637

$53

Mercury

$682

$57

GEICO

$693

$58

Chubb

$697

$58

National General

$697

$58

National General

$720

$60

Progressive

$721

$60

GEICO

$731

$61

Progressive

$737

$61

Texas Farm Bureau

$749

$62

State Farm

$763

$64

Chubb

$766

$64

AAA Texas

$780

$65

GEICO

$802

$67

State Farm

$840

$70

Nationwide

$863

$72

Progressive

$876

$73

National General

$886

$74

Texas Farm Bureau

$904

$75

Foremost

$905

$75

Allstate

$997

$83

USAA

$1,015

$85

Nationwide

$1,028

$86

USAA

$1,028

$86

Foremost

$1,066

$89

State Farm

$1,078

$90

Allstate

$1,086

$90

Texas Farm Bureau

$1,113

$93

Mercury

$1,154

$96

AAA Texas

$1,195

$100

AAA Texas

$1,203

$100

Mercury

$1,222

$102

Foremost

$1,248

$104

USAA

$1,255

$105

GEICO

$1,256

$105

GEICO

$1,272

$106

Nationwide

$1,273

$106

Chubb

$1,345

$112

Chubb

$1,408

$117

Allstate

$1,456

$121

GEICO

$1,500

$125

Dairyland

$1,530

$128

Nationwide

$1,547

$129

AAA Texas

$1,569

$131

Mercury

$1,587

$132

Dairyland

$1,590

$133

Chubb

$1,619

$135

National General

$1,635

$136

National General

$1,776

$148

Progressive

$1,819

$152

Dairyland

$1,882

$157

Progressive

$1,898

$158

Foremost

$1,943

$162

National General

$2,030

$169

Foremost

$2,087

$174

Progressive

$2,380

$198

Dairyland

$2,394

$199

Chubb

$2,530

$211

Foremost

$2,613

$218

Dairyland

$2,636

$220

Dairyland

$3,215

$268

How to Compare Cheap Houston Car Insurance Quotes Online

The best way to find the most affordable and suitable car insurance policy in Houston is to compare quotes. You can get personalized quotes online. However, the process can take 15 minutes or more per company. You also need to enter a lot of personal information.

If you’re looking for a more convenient method, you can start your search with MoneyGeek’s car insurance calculator. By providing your age, vehicle type, coverage level and driving record, you can get a ballpark estimate immediately from multiple companies.

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Cheapest Car Insurance in Houston for Young Adults

The top providers, on average, for cheap car insurance for young drivers with full coverage in Houston are:

  • State Farm: $1,078 per year
  • Texas Farm Bureau: $1,113 per year

Dairyland has the highest average rate for young adults in Houston, costing $3,215 per year.

In comparison, the average cost of a full coverage policy in Houston for a 40-year-old is $1,436 per year. A 25-year-old pays around $1,860 annually, approximately $424 more per year.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$369

$31

State Farm

$385

$32

State Farm

$414

$34

Texas Farm Bureau

$424

$35

Allstate

$489

$41

Allstate

$501

$42

State Farm

$505

$42

Mercury

$520

$43

Texas Farm Bureau

$543

$45

Mercury

$570

$48

Nationwide

$607

$51

AAA Texas

$607

$51

Allstate

$613

$51

Nationwide

$637

$53

AAA Texas

$637

$53

Mercury

$682

$57

GEICO

$693

$58

Chubb

$697

$58

National General

$697

$58

National General

$720

$60

Progressive

$721

$60

GEICO

$731

$61

Progressive

$737

$61

Texas Farm Bureau

$749

$62

State Farm

$763

$64

Chubb

$766

$64

AAA Texas

$780

$65

GEICO

$802

$67

State Farm

$840

$70

Nationwide

$863

$72

Progressive

$876

$73

National General

$886

$74

Texas Farm Bureau

$904

$75

Foremost

$905

$75

Allstate

$997

$83

Nationwide

$1,028

$86

Foremost

$1,066

$89

State Farm

$1,078

$90

Allstate

$1,086

$90

Texas Farm Bureau

$1,113

$93

Mercury

$1,154

$96

AAA Texas

$1,195

$100

AAA Texas

$1,203

$100

Mercury

$1,222

$102

Foremost

$1,248

$104

GEICO

$1,256

$105

GEICO

$1,272

$106

Nationwide

$1,273

$106

Chubb

$1,345

$112

Chubb

$1,408

$117

Allstate

$1,456

$121

GEICO

$1,500

$125

Dairyland

$1,530

$128

Nationwide

$1,547

$129

AAA Texas

$1,569

$131

Mercury

$1,587

$132

Dairyland

$1,590

$133

Chubb

$1,619

$135

National General

$1,635

$136

National General

$1,776

$148

Progressive

$1,819

$152

Dairyland

$1,882

$157

Progressive

$1,898

$158

Foremost

$1,943

$162

National General

$2,030

$169

Foremost

$2,087

$174

Progressive

$2,380

$198

Dairyland

$2,394

$199

Chubb

$2,530

$211

Foremost

$2,613

$218

Dairyland

$2,636

$220

Dairyland

$3,215

$268

Cheapest Car Insurance in Houston for Seniors

On average, the cheapest car insurance for seniors with full coverage in Houston is from the following:

  • Texas Farm Bureau: $749 per year
  • State Farm: $763 per year

Based on average rates, the priciest car insurance provider for seniors in the city is Dairyland at $2,394 per year.

Age is one of the important factors car insurance providers consider when calculating premiums. In Houston, senior drivers tend to have less expensive rates. A 40-year-old adult pays around $1,436 per year, while a senior (age 65) typically spends roughly $1,376 per year. That’s $60 less.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$369

$31

State Farm

$385

$32

State Farm

$414

$34

Texas Farm Bureau

$424

$35

Allstate

$489

$41

Allstate

$501

$42

State Farm

$505

$42

Mercury

$520

$43

Texas Farm Bureau

$543

$45

Mercury

$570

$48

Nationwide

$607

$51

AAA Texas

$607

$51

Allstate

$613

$51

Nationwide

$637

$53

AAA Texas

$637

$53

Mercury

$682

$57

GEICO

$693

$58

Chubb

$697

$58

National General

$697

$58

National General

$720

$60

Progressive

$721

$60

GEICO

$731

$61

Progressive

$737

$61

Texas Farm Bureau

$749

$62

State Farm

$763

$64

Chubb

$766

$64

AAA Texas

$780

$65

GEICO

$802

$67

State Farm

$840

$70

Nationwide

$863

$72

Progressive

$876

$73

National General

$886

$74

Texas Farm Bureau

$904

$75

Foremost

$905

$75

Allstate

$997

$83

Nationwide

$1,028

$86

Foremost

$1,066

$89

State Farm

$1,078

$90

Allstate

$1,086

$90

Texas Farm Bureau

$1,113

$93

Mercury

$1,154

$96

AAA Texas

$1,195

$100

AAA Texas

$1,203

$100

Mercury

$1,222

$102

Foremost

$1,248

$104

GEICO

$1,256

$105

GEICO

$1,272

$106

Nationwide

$1,273

$106

Chubb

$1,345

$112

Chubb

$1,408

$117

Allstate

$1,456

$121

GEICO

$1,500

$125

Dairyland

$1,530

$128

Nationwide

$1,547

$129

AAA Texas

$1,569

$131

Mercury

$1,587

$132

Dairyland

$1,590

$133

Chubb

$1,619

$135

National General

$1,635

$136

National General

$1,776

$148

Progressive

$1,819

$152

Dairyland

$1,882

$157

Progressive

$1,898

$158

Foremost

$1,943

$162

National General

$2,030

$169

Foremost

$2,087

$174

Progressive

$2,380

$198

Dairyland

$2,394

$199

Chubb

$2,530

$211

Foremost

$2,613

$218

Dairyland

$2,636

$220

Dairyland

$3,215

$268

Cheapest Car Insurance in Houston for Poor Credit

The top two options, on average, for cheap car insurance for drivers with bad credit that need full coverage in Houston are:

  • Allstate: $1,655 per year
  • Mercury: $1,705 per year

State Farm is the most expensive company for people with poor credit in Houston. It has an average annual rate of $4,565.

A bad credit score may increase your car insurance premium. The average adult driver with good credit in Houston pays roughly $1,436 annually. Drivers with poor credit typically pay around 81% more per year, an increase of $1,157.

Company
Annual Premium
Monthly Premium

Mercury

$728

$61

Allstate

$730

$61

Allstate

$749

$62

Texas Farm Bureau

$779

$65

Mercury

$800

$67

Nationwide

$805

$67

Nationwide

$847

$71

Texas Farm Bureau

$902

$75

Allstate

$916

$76

AAA Texas

$953

$79

Mercury

$961

$80

AAA Texas

$1,001

$83

National General

$1,009

$84

National General

$1,047

$87

Foremost

$1,086

$91

Progressive

$1,121

$93

Progressive

$1,143

$95

Texas Farm Bureau

$1,159

$97

Nationwide

$1,160

$97

AAA Texas

$1,225

$102

Chubb

$1,233

$103

National General

$1,239

$103

Foremost

$1,282

$107

Chubb

$1,354

$113

Progressive

$1,363

$114

Foremost

$1,502

$125

Allstate

$1,516

$126

Nationwide

$1,562

$130

Allstate

$1,655

$138

Texas Farm Bureau

$1,659

$138

Mercury

$1,705

$142

Nationwide

$1,716

$143

Mercury

$1,795

$150

AAA Texas

$1,877

$156

AAA Texas

$1,889

$157

Dairyland

$1,911

$159

Dairyland

$1,990

$166

Texas Farm Bureau

$2,020

$168

GEICO

$2,035

$170

GEICO

$2,039

$170

State Farm

$2,093

$174

GEICO

$2,216

$185

Allstate

$2,222

$185

State Farm

$2,247

$187

Nationwide

$2,293

$191

Mercury

$2,347

$196

Dairyland

$2,353

$196

Foremost

$2,373

$198

Chubb

$2,380

$198

AAA Texas

$2,464

$205

Texas Farm Bureau

$2,487

$207

Chubb

$2,491

$208

Foremost

$2,545

$212

National General

$2,719

$227

State Farm

$2,746

$229

National General

$2,846

$237

Chubb

$2,868

$239

Progressive

$3,002

$250

Dairyland

$3,017

$251

Progressive

$3,144

$262

Foremost

$3,192

$266

Dairyland

$3,349

$279

GEICO

$3,519

$293

National General

$3,562

$297

GEICO

$3,685

$307

Progressive

$3,950

$329

Dairyland

$4,071

$339

GEICO

$4,145

$345

State Farm

$4,148

$346

Chubb

$4,480

$373

State Farm

$4,565

$380

State Farm

$5,861

$488

Car insurance companies tend to charge more to people with lower credit scores. That’s because they see individuals with bad credit as more likely to submit claims.

If you have poor credit, you may lower your insurance costs by utilizing common discounts, bundling different insurance policies and comparing personalized quotes from multiple companies. Taking extra steps to improve your credit over time can also help you get a lower rate.

Cheapest Car Insurance in Houston for Sports Cars

The average cheapest car insurance for a sports car with full coverage in Houston is from:

  • State Farm: $1,026 per year
  • Allstate: $1,365 per year

Based on average annual rates, Dairyland is the priciest company. A full coverage sports car policy in Houston costs $2,676 per year.

In Houston, a sports car is more expensive to insure than a standard Toyota Camry. On average, a driver with a Ford Mustang spends $1,813 per year for a full coverage policy. The cost for a standard Toyota Camry is $1,436 per year — $377 or 26.25% less annually.

Auto insurance rates vary by city. Sports car rates may not always be more expensive everywhere.

Company
Annual Premium
Monthly Premium

State Farm

$423

$35

State Farm

$454

$38

Allstate

$493

$41

Allstate

$506

$42

State Farm

$555

$46

GEICO

$582

$48

Nationwide

$594

$50

GEICO

$612

$51

Allstate

$619

$52

Nationwide

$624

$52

GEICO

$668

$56

Progressive

$692

$58

Progressive

$716

$60

Chubb

$779

$65

Nationwide

$844

$70

Foremost

$855

$71

Chubb

$855

$71

Progressive

$870

$72

State Farm

$932

$78

Foremost

$1,015

$85

State Farm

$1,026

$86

Foremost

$1,204

$100

Nationwide

$1,209

$101

Allstate

$1,225

$102

GEICO

$1,323

$110

State Farm

$1,334

$111

Allstate

$1,365

$114

GEICO

$1,410

$117

Dairyland

$1,441

$120

Dairyland

$1,496

$125

Chubb

$1,502

$125

Nationwide

$1,523

$127

Chubb

$1,648

$137

GEICO

$1,665

$139

Dairyland

$1,770

$148

Allstate

$1,855

$155

Nationwide

$1,861

$155

Chubb

$1,898

$158

Progressive

$2,076

$173

Foremost

$2,159

$180

Foremost

$2,263

$189

Dairyland

$2,401

$200

Progressive

$2,443

$204

Dairyland

$2,676

$223

Foremost

$2,938

$245

Chubb

$2,953

$246

Progressive

$3,114

$260

Dairyland

$3,269

$272

MoneyGeek gathered rates for a Ford Mustang to represent a sports car in Houston. Actual prices may vary depending on the make and car model. Typically, luxury, electric and sports cars are the most expensive to insure.

Average Cost of Car Insurance in Houston

The average cost of full coverage car insurance in Houston is $1,436 per year. The policy includes $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident.

The city average is around $235 higher than the annual average car insurance rate in Texas, which is $1,201. It is also above the national average car insurance cost of $1,265 per year.

Overall, Houston has the highest average car insurance rate in Texas.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Wichita Falls

$965

$426

San Angelo

$1,001

$410

Abilene

$1,016

$436

College Station

$1,032

$500

Midland

$1,037

$461

Waco

$1,038

$491

Killeen

$1,052

$503

El Paso

$1,093

$495

Lubbock

$1,095

$499

Round Rock

$1,098

$542

Odessa

$1,128

$490

Denton

$1,132

$558

Tyler

$1,135

$554

Corpus Christi

$1,140

$578

Lewisville

$1,151

$572

Allen

$1,158

$571

Austin

$1,159

$571

Frisco

$1,159

$574

Fort Worth

$1,168

$563

McKinney

$1,171

$573

Arlington

$1,174

$576

Plano

$1,207

$596

Amarillo

$1,209

$512

San Antonio

$1,220

$601

League City

$1,221

$607

Sugar Land

$1,242

$623

Beaumont

$1,242

$623

Laredo

$1,249

$557

Irving

$1,251

$606

Richardson

$1,256

$620

Carrollton

$1,257

$617

The Woodlands

$1,267

$639

Pasadena

$1,274

$630

Brownsville

$1,276

$622

Grand Prairie

$1,287

$630

Pearland

$1,298

$645

Mesquite

$1,302

$639

Dallas

$1,314

$640

Garland

$1,322

$657

McAllen

$1,364

$668

Houston

$1,436

$699

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.