Car Insurance in Houston


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Key Takeaways

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Houston's cheapest car insurance companies are State Farm, GEICO and AAA, with savings up to 45% compared to the city average.

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On average Houston car insurance costs $198 per month for full coverage and $86 for minimum coverage.

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To get the best cheap auto insurance in Houston, decide on coverage beforehand, do plenty of research and compare quotes from multiple sources.

Who Has the Cheapest Car Insurance in Houston?

State Farm offers the lowest car insurance rates in Houston, with average annual rates of $607 for minimum coverage and $1,401 for full coverage. GEICO, AAA, Mercury and Germania also offer affordable coverage in the city.

State Farm$51$117-45%
GEICO$75$153-24%
AAA$77$160-22%
Mercury$75$172-18%
Germania$89$182-10%

Cheapest Houston Car Insurance by Category

State Farm wins nine of the 10 driver categories MoneyGeek studied for car insurance affordability in Houston. GEICO offers the cheapest rates for drivers with bad credit. Below are the winners for all categories and their lowest rates.

Adult DriversState Farm$51
Young DriversState Farm$114
Senior DriversState Farm$59
Drivers With a Speeding TicketState Farm$51
Drivers With an AccidentState Farm$60
Drivers With a DUIState Farm$82
Drivers With Newer CarsState Farm$70
Drivers With Bad CreditGEICO$109
Drivers With Old CarsState Farm$46

Compare the Cheapest Houston Car Insurance for You

Every driver pays different rates based on their situation. Use this table to see which companies offer the best deals for someone with your specific profile.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
State Farm$51$607-44%
Geico$75$901-17%
AAA$77$923-15%
Allstate$105$1,25716%
Farmers$100$1,19610%

Best Car Insurance Companies in Houston

Our picks for Houston's best car insurance companies are State Farm, Mercury, GEICO, AAA and Progressive. Each company offers a great balance of affordable rates, good customer service and wide coverage options.

State Farm95136
Mercury90454
GEICO89266
AAA89346
Progressive88622
State Farm

State Farm: Best Cheap Overall

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pros

  • Lowest rates in Houston

  • Great customer service reputation

  • Largest discount selection

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cons

  • Not many add-on coverage selections

  • Much less affordable for those with bad credit

COMPANY HIGHLIGHTS

State Farm is the most affordable provider overall for most drivers. It has one of the best customer experiences in Houston, earning it the top spot in our study. In Texas, it earned the third-best customer satisfaction rating and sixth overall for claims satisfaction nationwide, according to J.D. Power. Its only downsides are less extensive add-on coverages with only three options, and much more expensive rates for those with bad credit scores.

Progressive

Progressive: Best Customer Experience

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pros

  • Best add-on coverage selection

  • Very affordable for those with bad credit scores

  • Highest customer ratings overall in Houston

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cons

  • More expensive rates on average overall

COMPANY HIGHLIGHTS

While not the most affordable provider, Progressive has the best customer experience overall, with a rating of 4.3 out of 5.0 from over 60,000 customers compared to others in Houston. It also has a great selection of add-on coverages, including unique options like a diminishing deductible, accident forgiveness, pet coverage, vehicle service contracts and custom parts replacement. The company has the most affordable full coverage rates for those with bad credit in the city.

How Much Is Car Insurance in Houston?

Houston car insurance costs for most drivers are around $86 per month or $1,036 per year for minimum coverage, ranking it 1,441st out of all Texas cities for affordability. For full coverage, rates are around $198 monthly or $2,378 yearly, making it rank 1,335th for affordability for this policy type.

Full Coverage$198$2,378
Minimum Coverage$86$1,036

Houston Car Insurance Cost by Category

Coverage rates range from $79 to $460 per month based on general driving categories. Below, you can review average rates in your category.

Adult Drivers$86$198
Young Drivers$201$430
Drivers With an Accident$122$274
Senior Drivers$112$232
Drivers With a DUI$134$290
Drivers With Newer Cars$106$245
Drivers With a Speeding Ticket$102$236
Drivers With Bad Credit$193$455
Drivers With Old Cars$79$180

Houston Car Insurance Costs by ZIP Code

For most drivers in Houston, rates by ZIP code vary from $71 to $259 per month, with the most expensive ZIP code being 70071 and the least expensive being 77345. Below, you can review average rates for your Houston ZIP code.

Data filtered by:Results filtered by:
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ZIP Code:77002
77002$81$189

Compare Personalized Houston Car Insurance Costs

While we've provided many breakdowns for average rates, your personal profile may not be fully represented. Below are the average rates by major factor combinations that you can filter for your profile.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
$90$1,08333%

How to Get the Best Cheap Houston Car Insurance

Finding good, cheap car insurance in Houston can be challenging due to the expensive average rates in the state and the difficulty of determining the right coverage for your area. Below is a step-by-step guide to help you get the best coverage and lower your auto insurance rates.

  1. 1

    Decide on coverage needs beforehand

    To know the best and cheapest option, you need a baseline for the coverage you want. Determine your budget for spending on insurance, the risk of accidents and car-related crime in your area, and your own personal driving behaviors and risk factors. Use our car insurance coverage needs calculator and speak to an independent agent to support your decision.

  2. 2

    Consider nonstandard coverages

    Considering nonstandard types of car insurance coverage will ensure you're making the most cost-effective decision with the same benefits. Policies like pay-per-mile, non-owner and automaker-provided insurance can meet your needs at a lower cost.

  3. 3

    Research average costs for your profile

    Research average vehicle insurance costs to get a clearer picture of how much you're saving compared to your current rate. This will give you a measuring stick to determine what a good deal is and isn't.

  4. 4

    Look into discounts you can qualify for

    Your car insurance discount options depend on your driving profile. Look for young driver programs, military discounts, bundling multiple policies, multi-car discounts and telematics programs. Payment discounts include paying in full or getting electronic quotes. You can save up to 40% on car insurance with the right combination of discounts.

  5. 5

    Analyze company reputations and coverage options thoroughly

    Aside from costs, look into a company's reputation for buying, policy management and claims process in your area. If you want additional protection past normal policies, ensure a company you'd like to get quotes from has add-ons that serve your needs.

  6. 6

    Compare multiple quotes through different means

    The most tried-and-true way to get the cheapest rates is to compare quotes from multiple companies. Since pricing will vary, use different mediums to get your quotes, such as comparison sites, agents and provider websites.

  7. 7

    Reassess annually

    Review your car insurance annually to ensure you get the best rates. Your needs change, and so do insurance companies' prices.

Cheapest Car Insurance in Houston: Bottom Line

Finding the cheapest car insurance in Houston depends on your age, driving record, vehicle type and credit score. State Farm and GEICO consistently offer low rates across different driver profiles, but compare quotes from multiple providers to ensure you get the best deal.

Cheap Houston Car Insurance: FAQ

MoneyGeek answers frequently asked questions about the cheapest car insurance in Houston, helping you find the best coverage for your needs.

What is the cheapest car insurance company in Houston, Texas?

Who offers the best car insurance in Houston?

What is the average cost of car insurance in Houston?

Is car insurance in Houston expensive?

How We Chose the Best and Cheapest Car Insurance in Houston, TX

To help Houston drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.

Houston Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually
  • Good credit
  • Valid license
  • Currently insured
  • No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Houston

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Texas are:

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

For a full coverage policy, we used the following coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident
  • Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

  • Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
  • Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
  • Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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