Cheapest Auto Insurance in Houston, Texas (2026)
State Farm offers the cheapest car insurance in Houston, with minimum-coverage policies as low as $78 per month.
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Choncé Maddox
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
One drive down the Katy Freeway, which widens to 26 lanes at Beltway 8, explains Houston’s reputation as a sprawling car-centric city. Nearly half of the city’s residents commute for 30 minutes or more, and the vast majority drive alone.
Houston’s crowded roads could help explain its total monthly average car insurance rate of $220, which is more expensive than the statewide average of $163 for Texas car insurance.
Comparing car insurance companies could help you find cheaper coverage. Here’s what you need to know to get the best deal on car insurance in Houston.
Quick Facts
The average monthly cost of full-coverage car insurance in Houston is $270; liability averages $170 per month.
Houston roads saw more than 67,000 car accidents in 2022, according to the Texas Department of Transportation.
Nearly 77% of Houston commuters drive to work alone, about 10% carpool, and less than 1% bike, according to Houston State of Health data.
Cheapest car insurance companies in Houston
Each insurance company uses factors unique to you to determine your car insurance rate, including your driving record, age, gender, type of vehicle, and years of experience behind the wheel.
Comparing auto insurance quotes from multiple insurance companies is the best way to find the cheapest coverage in Houston. These companies offer some of the most affordable average rates. Here are statewide rates for the top insurers, along with their IQ Scores.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Liability Only | Full Coverage | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $101 | $57 | Cheap rates |
| GEICO | 9.2 | $181 | $94 | People with a bad driving record |
| Allstate | 8.9 | $143 | $81 | Young drivers |
Disclaimer: Table data sourced from real-time Houston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Houston may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates in Houston: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
4.0
Best choice in Houston, TXBased on 16,107 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Houston for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Houston for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Houston drivers - See all 7,229 State Farm reviews
Michael
Verified Review
State Farm is overpriced and customer service from agent is lacking
Reviewed in Texas on March 14, 2026
Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.
Steven
Verified Review
Used to be great
Reviewed in Texas on March 11, 2026
They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
William
Verified Review
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Reviewed in Texas on March 2, 2026
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Paul
Verified Review
Helpful agents over the 60 years of having coverage with State Farm.
Reviewed in Texas on March 1, 2026
I have not had any claims in recent years. No problems over the years when there was a claim.
Percy
Verified Review
Excellent service and coverage
Reviewed in Texas on February 28, 2026
Excellent, friendly, and professional.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has some of the cheapest car insurance rates in Houston for both liability-liability and full-coverage insurance. State Farm also has a 4.4 Insurify Quality Score and provides safe driver discount programs and discounts for bundling coverage with homeowners insurance. The company's extensive network of local agents makes it easy to find an agent to work with in your area.
Pros
Cheapest rates in Houston
Good driver discount
Multiple savings options
Cons
No gap insurance coverage
No accident forgiveness
No Safe Driver program for drivers older than 25
Best insurer for people with a bad driving record in Houston: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $128/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $242/mo |
4.0
Best choice in Houston, TXBased on 16,353 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Houston for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Houston for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for Houston drivers - See all 7,470 GEICO reviews
Israel
Verified Review
Can't Complain
Reviewed in Texas on March 15, 2026
I've been a GEICO customer for twenty years and I have a great relationship with the company. I know you can't compete with them. Amen.
Sharon
Verified Review
A very excellent experience. Great everything.
Reviewed in Texas on March 13, 2026
Excellent company, policies, discounts, and great service. Our agent in San Antonio, TX was top-notch.
Rudy
Verified Review
Look elsewhere
Reviewed in Texas on March 12, 2026
Extremely expensive and no incentive to stay with them.
James
Verified Review
Geico Is Not Cost Efficient
Reviewed in Texas on March 9, 2026
I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.
Ramona
Verified Review
Don't Purchase
Reviewed in Texas on March 9, 2026
Do not buy. They don’t want to help you with a claim. They add their own coverage that is not in the policy. Very hard to get a hold of an adjuster if you need them.
Cristi
Verified Review
Price Increases at Renewal
Reviewed in Texas on March 8, 2026
I'm not going to use them again. They raise the price every time I have to renew. It's ridiculous to pay as much as I do for simple liability only.
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO has a 4.3 Insurify Quality Score and a 97% customer satisfaction rating. GEICO offers online quotes and personalized insurance coverage options along with affordable rates if you have a speeding ticket or accident on your driving record. In Houston, the average rate for GEICO car insurance with a speeding ticket is $117 per month, and with an at-fault accident, the average monthly quote is $125.
Pros
Personalized coverage options
Several discounts
Comprehensive app
Cons
No gap coverage for rideshare insurance
No accident forgiveness
Network of local agents is limited
Best insurer for young drivers in Houston: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $109/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
3.8
A solid option in Houston, TXBased on 9,649 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Houston for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Houston for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 Texas reviews for Houston drivers - See all 4,304 Allstate reviews
Cesar
Verified Review
Allstate's Pricing Strategy
Reviewed in Texas on March 14, 2026
Do not use Allstate. They offer you lower rates initially and then raise them higher than your previous insurance company.
Juana
Verified Review
Shame on them. Just because I'm a senior citizen they wanted to take advantage of me.
Reviewed in Texas on March 13, 2026
They are crooks. I have been a licensed driver for 44 years, insured, and this company had me for 3 months on pins and needles with their incompetent ways of taking information and putting the wrong numbers for my account even though they were on auto pay. They charged me for late fees for their errors, and at 69, I could not handle so much. They said my bank declined payment, and this went on for 3 months. Finally, I went to the bank, and my bank told them they had not received a request for payment from them. They still said I had to pay the bill with a late fee. That day I had an appointment with a doctor. Because of all this, I got lost and even got into my first accident. Then they tried to take my vehicle for $1,500. I was able to take my vehicle back and fix it myself for less than those $1,500 dollars, which they said was a total loss. I will not recommend this company.
Jerome
Verified Review
Allstate
Reviewed in Texas on March 12, 2026
Excellent customer service
Roger
Verified Review
Good Coverage, But Expensive
Reviewed in Texas on March 11, 2026
Good coverage, but expensive. I only stayed with them because my homeowners insurance was cheaper after I got a new roof due to hail damage. It was a struggle, and I only got a new roof because my roofer was persistent.
Nelda
Verified Review
Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.
Reviewed in Texas on March 9, 2026
Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.
Tom
Verified Review
Car insurance is a monopoly
Reviewed in Texas on March 3, 2026
Insurance is outrageously expensive. Try not to put teens on your policy.
Pamela
Verified Review
Satisfied
Reviewed in Texas on February 27, 2026
Affordable
William
Verified Review
Bad assistance during a flood
Reviewed in Texas on February 26, 2026
Very disappointed in how they acted after a flood in Conroe, TX. They did okay, but when there was an issue with a flatbed truck you sent that caused some driveway damage, they did not help me at all!
Donald
Verified Review
Allstate reps are customer caring and honest.
Reviewed in Texas on February 24, 2026
Consider Allstate coverage as a good deal.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate has a 4.2 Insurify Quality Score and offers discounts for young drivers to lower their premiums. Allstate also offers discounts for safe drivers as well as unmarried students under the age of 25 who maintain a B- average (2.7 GPA) or higher.
Pros
Safe driver discount program
Discounts for students younger than 25 with good grades
Rideshare insurance available
Cons
Customer complaints about claims process[1]
Accident forgiveness not included in standard insurance
More expensive than some competitors
How to get the cheapest car insurance in Houston
Finding the cheapest car insurance in Houston will depend on factors like your driving history, age, ZIP code, and coverage needs. However, you still have control over some specific things when it comes to lowering your costs.
Keep a clean driving record. Try to avoid violations and speeding tickets to obtain the cheapest car insurance rates insurers have to offer.
Improve your credit score. Car insurance companies in Texas may look at your credit to determine, in part, your likelihood of filing an insurance claim. If you have a high credit score, you’re less likely to file a claim and will usually pay a lower premium. If you have a low credit score, you’re statistically more likely to file a claim and will pay a higher premium.
Ask about discounts. Insurers offer a variety of discounts for coverage, including discounts for bundling auto insurance with homeowners insurance, owning a car with anti-theft and safety protection, and remaining accident-free.
Shop around. Consider shopping around and gathering quotes from at least three different insurers to make sure you’re getting the best rate.
“Failing to compare shop unbundled policies is a big mistake because the company with the lowest price for your home may have the highest price for your car or vice versa,” says Anthony Verreos, strategic insurance advisor at Real Estate Bees. “Among the top sellers of car insurance, pricing can vary by hundreds of dollars per year.”
Cheapest liability-only car insurance in Houston: State Farm
Liability-only car insurance is often cheaper than full-coverage insurance because it provides less protection. Liability-only car insurance extends coverage only to the other person’s vehicle and their medical expenses when you’re at fault for an accident.
Since liability-only car insurance doesn’t cover your own vehicle or medical expenses, this coverage may not be enough to meet your needs. However, it could be ideal if you drive an older, paid-off vehicle and can afford to pay for repairs with cash.
The cheapest insurer for liability-only car insurance in Houston is State Farm, with an average cost of $78 per month.
Here are some of the cheapest liability-only car insurance rates in Houston.
The below rates in Houston, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $78 |
| Mile Auto | $99 |
| Progressive | $107 |
| Allstate | $109 |
| GEICO | $128 |
| USAA | $138 |
| Mercury | $150 |
| Dairyland | $163 |
| Root | $163 |
| The General | $165 |
| Commonwealth Casualty | $165 |
| Bristol West | $168 |
| GAINSCO | $172 |
| Nationwide | $173 |
| AssuranceAmerica | $180 |
| Clearcover | $181 |
| Sun Coast | $185 |
| Safeco | $191 |
| Direct Auto | $196 |
| National General | $196 |
| Elephant | $202 |
| Chubb | $235 |
| 21st Century | $271 |
| Liberty Mutual | $353 |
Disclaimer: Table data sourced from real-time Houston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Houston may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Houston: State Farm
Full-coverage car insurance includes liability coverage as well as coverage for your vehicle and your medical expenses after an accident. If you have a car loan or lease, your lender may require you to carry full-coverage insurance until your loan is paid off.
Even if you don’t have a car loan, full-coverage insurance can still be a good idea if you want collision and comprehensive coverages, as these costs can be expensive. State Farm is the cheapest insurer in Houston for full coverage, with an average monthly cost of $136.
Here are some of the cheapest full-coverage car insurance rates in Houston.
The below rates in Houston, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $136 |
| Progressive | $184 |
| Allstate | $191 |
| Mile Auto | $210 |
| Mercury | $230 |
| USAA | $242 |
| GEICO | $242 |
| Root | $281 |
| Safeco | $289 |
| Clearcover | $297 |
| Direct Auto | $301 |
| Nationwide | $304 |
| Elephant | $318 |
| The General | $322 |
| Bristol West | $336 |
| National General | $336 |
| GAINSCO | $345 |
| Sun Coast | $352 |
| AssuranceAmerica | $371 |
| Commonwealth Casualty | $388 |
| Chubb | $411 |
| Liberty Mutual | $457 |
| Dairyland | $464 |
| 21st Century | $474 |
Disclaimer: Table data sourced from real-time Houston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Houston may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Houston, Texas
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $84/mo for full coverage in Houston and other Texas cities.
*Quotes generated for Insurify users in and around Houston, Texas within the last 10 days. Last updated on March 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Houston, Texas within the last 10 days. Last updated on March 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Most states require drivers to have liability car insurance coverage. Texas requires all drivers to carry a certain amount of liability insurance coverage, but you can always pay for more coverage if needed.
Texas is an at-fault state, meaning your insurance company will pay for damage to the other drivers’ vehicles and help cover their medical expenses if you’re at fault for an accident. And all policies in Texas include personal injury protection, which will pay for some of your medical costs when you cause an accident. But you can opt out in writing if you don’t want this coverage.
Texas drivers must meet the minimum coverage requirements:
Bodily injury liability
$30,000 per person
$60,000 per accident[2]
Property damage liability
$25,000 per accident
Depending on your needs and situation, you may want to consider getting optional insurance coverage as well, including:
Comprehensive
Underinsured motorist
Roadside assistance
Cheapest car insurance for drivers with an incident
Your driving record is one factor that directly affects your car insurance rate. If infractions like speeding tickets, DWIs, and at-fault accidents are on your record, these incidents can increase your rates.
In Houston, rates increase by about 30% for insurers like GEICO and Allstate when you have an at-fault accident on your record.
Shop for Car Insurance in Houston, TX
Find liability coverage for $2,035/year
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Cheapest car insurance for drivers with a speeding ticket: State Farm
If you’re stopped by an officer and given a speeding ticket, it can show up on your driving record and cause your car insurance rates to increase. On average, Houston drivers with speeding tickets pay $336 per month for full coverage and $212 for liability-only policies.
However, rates could be as low as $99 per month, even with a ticket on record.
Here are some monthly quotes from insurers in Houston when you have a speeding ticket on your record.
The below rates in Houston, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With Speeding Ticket |
|---|---|---|
| State Farm | $78 | $99 |
| Mile Auto | $99 | $121 |
| Progressive | $107 | $133 |
| Allstate | $109 | $142 |
| GEICO | $128 | $167 |
| USAA | $138 | $178 |
| Mercury | $150 | $209 |
| Dairyland | $163 | $203 |
| Root | $163 | $217 |
| The General | $165 | $220 |
| Commonwealth Casualty | $165 | $194 |
| Bristol West | $168 | $211 |
| GAINSCO | $172 | $204 |
| Nationwide | $173 | $224 |
| AssuranceAmerica | $180 | $228 |
| Clearcover | $181 | $234 |
| Sun Coast | $185 | $230 |
| Safeco | $191 | $251 |
| Direct Auto | $196 | $244 |
| National General | $196 | $243 |
| Elephant | $202 | $241 |
| Chubb | $235 | $298 |
| 21st Century | $271 | $356 |
| Liberty Mutual | $353 | $448 |
Disclaimer: Table data sourced from real-time Houston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Houston may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Unfortunately, accidents are sometimes unavoidable and mistakes happen, so it’s always best to carry enough insurance to cover damage to your vehicle and the other driver’s car. An accident can stay on your record for three to five years.
Houston drivers with an at-fault accident on their record pay an average of $223 per month for liability-only insurance, but rates can be as low as $103.
Below are some monthly quotes for insurers with the most affordable car insurance in Houston when you have an at-fault accident on your record.
The below rates in Houston, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| State Farm | $80 | $103 |
| Mile Auto | $103 | $133 |
| Allstate | $111 | $146 |
| Progressive | $115 | $141 |
| GEICO | $131 | $166 |
| USAA | $141 | $184 |
| Mercury | $159 | $226 |
| Commonwealth Casualty | $166 | $217 |
| Dairyland | $167 | $215 |
| Root | $167 | $217 |
| The General | $171 | $226 |
| Bristol West | $173 | $220 |
| GAINSCO | $176 | $219 |
| AssuranceAmerica | $176 | $239 |
| Nationwide | $177 | $232 |
| Clearcover | $189 | $263 |
| Sun Coast | $198 | $243 |
| National General | $198 | $259 |
| Direct Auto | $203 | $266 |
| Safeco | $207 | $266 |
| Elephant | $210 | $263 |
| Chubb | $244 | $311 |
| 21st Century | $278 | $367 |
| Liberty Mutual | $378 | $468 |
Disclaimer: Table data sourced from real-time Houston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Houston may vary based on the policy buyer's unique driver profile.
)
Learn More: How Much Does Car Insurance Increase After an Accident?
Cheapest car insurance for drivers with a DWI: State Farm
Driving under the influence of alcohol is a serious offense that will affect your car insurance rates and may cause you to lose your coverage altogether. A DWI can stay on your driving record for several years and even permanently in some cases.[3] In Houston, rates almost double when you have a DWI on your record.
Drivers with a DWI on their record pay an average of $233 per month in Houston but may be able to find rates as low as $111.
Here are some of the cheapest companies and lowest quotes for drivers with a DWI in Houston.
The below rates in Houston, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| State Farm | $78 | $111 |
| Mile Auto | $99 | $141 |
| Progressive | $107 | $147 |
| Allstate | $109 | $156 |
| GEICO | $128 | $181 |
| USAA | $138 | $197 |
| Mercury | $150 | $223 |
| Dairyland | $163 | $233 |
| Root | $163 | $234 |
| The General | $165 | $236 |
| Commonwealth Casualty | $165 | $236 |
| Bristol West | $168 | $240 |
| GAINSCO | $172 | $246 |
| Nationwide | $173 | $247 |
| AssuranceAmerica | $180 | $257 |
| Clearcover | $181 | $259 |
| Sun Coast | $185 | $254 |
| Safeco | $191 | $290 |
| Direct Auto | $196 | $280 |
| National General | $196 | $280 |
| Elephant | $202 | $289 |
| Chubb | $235 | $336 |
| 21st Century | $271 | $363 |
| Liberty Mutual | $353 | $504 |
Disclaimer: Table data sourced from real-time Houston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Houston may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
While car insurance rates tend to decrease once you turn 25, they may increase again as you get older and enter your 70s. Insurance companies view older drivers and teens as riskier to insure, and that tends to raise rates. However, if you keep a clean driving record, you may not experience these higher rates, depending on where you live. Some insurers may also offer discounts to senior drivers.
Houston drivers in their 60s pay an average of $145 per month for liability-only insurance but may find rates as low as $61.
Here you can see monthly quotes for Houston's senior drivers from many of the top insurers.
The below rates in Houston, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $61 | $106 |
| Mile Auto | $77 | $163 |
| Allstate | $88 | $154 |
| Progressive | $91 | $157 |
| GEICO | $101 | $191 |
| USAA | $111 | $195 |
| Mercury | $119 | $182 |
| Nationwide | $131 | $231 |
| Commonwealth Casualty | $132 | $310 |
| Root | $135 | $233 |
| Dairyland | $137 | $389 |
| The General | $138 | $269 |
| AssuranceAmerica | $139 | $287 |
| Bristol West | $139 | $277 |
| GAINSCO | $145 | $291 |
| National General | $153 | $262 |
| Sun Coast | $157 | $299 |
| Direct Auto | $157 | $241 |
| Clearcover | $158 | $259 |
| Elephant | $166 | $261 |
| Safeco | $166 | $251 |
| Chubb | $176 | $308 |
| 21st Century | $211 | $370 |
| Liberty Mutual | $293 | $379 |
Disclaimer: Table data sourced from real-time Houston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Houston may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Age also affects car insurance rates for young drivers, including teens. Insurance companies find that drivers younger than 25 tend to be in more accidents than older drivers. This increases the risk of insuring teens, so insurance companies tend to charge higher rates for this coverage.
Fortunately, drivers often see their car insurance rates decrease once they reach 25, but you can still find a few ways to save on insurance as a teen driver before then. Some insurance companies offer discounts to young drivers who get good grades, attend school away from home, or complete driver safety programs. Teens can also opt to stay on their parents’ insurance if it offers a lower rate than getting a policy on their own.
Teen drivers in Houston pay an average of $335 per month for liability coverage but could find rates as low as $158.
The quotes below are for Houston teens who opt to step away from their parents’ policies and secure their own coverage. Keep in mind, though, that teens younger than 18 won't be able to legally buy their own policies without written consent from a parent or guardian.
The below rates in Houston, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $158 | $275 |
| Progressive | $211 | $363 |
| Mile Auto | $212 | $449 |
| Allstate | $224 | $393 |
| GEICO | $239 | $452 |
| USAA | $266 | $467 |
| Mercury | $290 | $444 |
| Dairyland | $292 | $832 |
| Root | $294 | $507 |
| The General | $302 | $590 |
| Clearcover | $312 | $513 |
| Bristol West | $313 | $626 |
| Commonwealth Casualty | $320 | $752 |
| GAINSCO | $327 | $657 |
| Nationwide | $352 | $619 |
| Sun Coast | $365 | $694 |
| Elephant | $373 | $587 |
| AssuranceAmerica | $388 | $800 |
| Direct Auto | $392 | $603 |
| Safeco | $400 | $606 |
| National General | $413 | $707 |
| Chubb | $505 | $883 |
| 21st Century | $510 | $892 |
| Liberty Mutual | $650 | $841 |
Disclaimer: Table data sourced from real-time Houston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Houston may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Houston
Houston drivers can find liability coverage for as low as $78/month
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Houston car insurance quotes by credit tier
Most states allow insurers to factor in your credit history when calculating car insurance rates, including Texas. Insurers in Houston use your credit history to generate a credit-based insurance score, which helps them estimate how likely you may be to file an insurance claim.
Typically, a credit score above 720 is considered an excellent score, and the higher your credit score, the better chance you’ll have of getting a lower car insurance rate.
Insurers consider other factors in addition to credit history, so a lower credit score doesn’t guarantee higher insurance premiums. Still, you can prioritize improving your credit record for a chance at better rates. Here are some monthly average quotes for car insurance in Houston based on your credit score tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Houston?
Houston drivers pay an overall average of $220 per month for car insurance compared to the statewide average of $163 and the national average of $136.
Car insurance rates can vary by location, even within the same state. Insurers may look at local car theft rates, climate risk, and population density to determine car insurance premiums. As a result, car insurance costs different amounts throughout the state.
For example, Austin drivers pay an average of $169 per month. In Dallas, the average monthly car insurance rate is $187.
More cities in Texas
Houston is the largest city in Texas and the fourth most populous city in the country. More drivers on the road can mean higher insurance rates due to more frequent accidents. However, other local factors can also influence the cost of insurance, like the risk of hail damage, and the number of car thefts in the city.
Houston drivers pay an average of $170 for liability-only car insurance. Here’s how other Texas cities compare.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Arlington | $128 | $215 |
| Austin | $128 | $209 |
| Beaumont | $136 | $212 |
| Corpus Christi | $132 | $201 |
| Dallas | $135 | $238 |
| El Paso | $103 | $191 |
| Fort Worth | $119 | $210 |
| Galveston | $130 | $196 |
| Lubbock | $106 | $209 |
| Plano | $126 | $206 |
| San Antonio | $128 | $218 |
Disclaimer: Table data is based on real-time Houston quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Houston car insurance FAQs
Looking for more information about car insurance rates in Houston? The following section will provide you with answers to some of the most commonly asked questions.
How much is car insurance in Houston?
The average cost of car insurance in Houston is $220. Drivers pay an average of $270 for full coverage and $170 for liability-only insurance.
Who has the cheapest car insurance in Houston?
State Farm has the cheapest liability-only car insurance in Houston, with a monthly rate of $78. Houston drivers can also find cheap premiums from Mile Auto and Progressive, the second- and third-cheapest insurers in the city, with liability rates starting at $99 and $107, respectively.
What are the best car insurance companies in Houston?
The best car insurance companies in Houston include State Farm, GEICO, and Allstate. All three have solid financial stability ratings from AM Best, and State Farm has the best customer service in the industry, according to J.D. Power.
How much car insurance do you need in Texas?
In Texas, drivers are required to carry a certain amount of liability insurance coverage, but you can always pay for more coverage if needed. In Texas, you must carry bodily injury liability coverage of $30,000 per person and $60,000 per accident. You also need to carry property damage liability of $25,000 per accident.
Is Texas a no-fault state?
Texas is an at-fault state. This means your insurance company will pay for damage to the other drivers’ vehicle and help cover their medical expenses from the accident if you’re at fault. In a no-fault state, the insurance companies of all involved parties will focus on covering the injuries sustained by their own policyholders.
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Sources
- Trustpilot. "Allstate."
- Texas Department of Insurance. "Automobile Insurance Guide."
- NOLO. "How Long Does a DUI/DWI Stay on Your Record?."
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Written byChoncé Maddox
Choncé Maddox
7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
Featured in
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.