Cheapest Auto Insurance in Houston, Texas (2024)
State Farm offers the cheapest car insurance in Houston, with minimum-coverage policies as low as $51 per month.
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Written byChoncé Maddox
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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.
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Edited byChris Schafer
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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.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
)
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.
Updated November 20, 2024
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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 $248. Comparing insurers 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 $322; liability averages $174 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 | $69 | $37 | Cheap rates |
| GEICO | 9.0 | $75 | $40 | People with a bad driving record |
| Allstate | 8.9 | $98 | $53 | Young drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 28,000 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 | 4.2 |
|---|---|
| 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. | $51/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. | $95/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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. | 9.0 /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. | $55/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. | $103/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 | 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. | 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. | $73/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. | $133/mo |
4.0
Best choiceBased on 5647 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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 $51 per month.
Here are some of the cheapest liability-only car insurance rates in Houston.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $51 |
| GEICO | $55 |
| Allstate | $73 |
| Mile Auto | $78 |
| USAA | $90 |
| Nationwide | $115 |
| Mercury | $119 |
| Progressive | $138 |
| Safeco | $140 |
| Dairyland | $148 |
| Chubb | $155 |
| Clearcover | $170 |
| National General | $170 |
| 21st Century | $178 |
| Direct Auto | $179 |
| The General | $179 |
| Bristol West | $186 |
| Elephant | $199 |
| GAINSCO | $229 |
| Liberty Mutual | $273 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $95.
Here are some of the cheapest full-coverage car insurance rates in Houston.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $95 |
| GEICO | $103 |
| Allstate | $133 |
| Mile Auto | $159 |
| USAA | $169 |
| Mercury | $204 |
| Nationwide | $211 |
| Progressive | $240 |
| Safeco | $248 |
| Clearcover | $253 |
| Chubb | $285 |
| Elephant | $326 |
| 21st Century | $330 |
| Direct Auto | $344 |
| National General | $351 |
| Dairyland | $384 |
| The General | $392 |
| Bristol West | $397 |
| Liberty Mutual | $449 |
| GAINSCO | $486 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Houston, Texas
Recent Houston, Texas car insurance prices for KIA, Volkswagen, Chevrolet , and more.
*Quotes generated for Insurify users in and around Houston, Texas within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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.
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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 $440 per month for full coverage and $238 for liability-only policies.
However, rates could be as low as $65 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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $51 | $65 |
| GEICO | $55 | $70 |
| Allstate | $73 | $93 |
| Mile Auto | $78 | $101 |
| USAA | $90 | $115 |
| Nationwide | $115 | $149 |
| Mercury | $119 | $163 |
| Progressive | $138 | $175 |
| Safeco | $140 | $182 |
| Dairyland | $148 | $189 |
| Chubb | $155 | $201 |
| Clearcover | $170 | $219 |
| National General | $170 | $219 |
| 21st Century | $178 | $236 |
| Direct Auto | $179 | $229 |
| The General | $179 | $234 |
| Bristol West | $186 | $240 |
| Elephant | $199 | $274 |
| GAINSCO | $229 | $316 |
| Liberty Mutual | $273 | $377 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $252 per month for liability-only insurance, but rates can be as low as $69.
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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $50 | $69 |
| GEICO | $54 | $75 |
| Allstate | $71 | $99 |
| Mile Auto | $76 | $109 |
| USAA | $87 | $122 |
| Nationwide | $111 | $158 |
| Mercury | $117 | $173 |
| Progressive | $133 | $189 |
| Safeco | $141 | $189 |
| Dairyland | $143 | $199 |
| Chubb | $152 | $212 |
| National General | $162 | $231 |
| Clearcover | $166 | $249 |
| 21st Century | $172 | $248 |
| The General | $173 | $248 |
| Direct Auto | $174 | $249 |
| Bristol West | $182 | $253 |
| Elephant | $194 | $265 |
| GAINSCO | $224 | $298 |
| Liberty Mutual | $268 | $395 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $287 per month in Houston but may be able to find rates as low as $84.
Here are some of the cheapest companies and lowest quotes for drivers with a DWI in Houston.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $51 | $84 |
| GEICO | $55 | $91 |
| Allstate | $73 | $120 |
| Mile Auto | $78 | $129 |
| USAA | $90 | $148 |
| Nationwide | $115 | $190 |
| Mercury | $119 | $181 |
| Progressive | $138 | $227 |
| Safeco | $140 | $214 |
| Dairyland | $148 | $244 |
| Chubb | $155 | $255 |
| Clearcover | $170 | $280 |
| National General | $170 | $280 |
| 21st Century | $178 | $293 |
| Direct Auto | $179 | $295 |
| The General | $179 | $295 |
| Bristol West | $186 | $307 |
| Elephant | $199 | $328 |
| GAINSCO | $229 | $377 |
| Liberty Mutual | $273 | $450 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $137 per month for liability-only insurance but may find rates as low as $39.
Here you can see monthly quotes for Houston's senior drivers from many of the top insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $39 | $72 |
| GEICO | $43 | $80 |
| Allstate | $57 | $104 |
| Mile Auto | $58 | $117 |
| USAA | $70 | $132 |
| Nationwide | $84 | $154 |
| Mercury | $92 | $157 |
| Progressive | $97 | $169 |
| Chubb | $110 | $203 |
| Dairyland | $116 | $300 |
| Safeco | $117 | $207 |
| National General | $127 | $262 |
| 21st Century | $130 | $241 |
| Direct Auto | $136 | $262 |
| The General | $142 | $311 |
| Clearcover | $143 | $213 |
| Bristol West | $146 | $311 |
| Elephant | $159 | $260 |
| GAINSCO | $188 | $398 |
| Liberty Mutual | $224 | $369 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $321 per month for liability coverage but could find rates as low as $91.
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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $91 | $170 |
| GEICO | $92 | $172 |
| Allstate | $135 | $247 |
| USAA | $157 | $295 |
| Mile Auto | $157 | $319 |
| Nationwide | $209 | $384 |
| Mercury | $219 | $375 |
| Dairyland | $249 | $646 |
| Progressive | $252 | $438 |
| Safeco | $280 | $495 |
| The General | $297 | $650 |
| Chubb | $308 | $566 |
| 21st Century | $314 | $583 |
| Clearcover | $325 | $483 |
| Bristol West | $327 | $697 |
| Elephant | $337 | $552 |
| Direct Auto | $340 | $654 |
| National General | $347 | $717 |
| GAINSCO | $412 | $874 |
| Liberty Mutual | $488 | $803 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $51/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 $248 per month for car insurance compared to the statewide average of $181 and the national average of $154.
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 $186 per month. In Dallas, the average monthly car insurance rate is $205.
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 $174 for liability-only car insurance. Here’s how other Texas cities compare.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Arlington | $126 | $248 |
| Austin | $131 | $241 |
| Beaumont | $140 | $260 |
| Corpus Christi | $129 | $230 |
| Dallas | $133 | $277 |
| El Paso | $97 | $202 |
| Fort Worth | $120 | $237 |
| Galveston | $130 | $236 |
| Lubbock | $107 | $221 |
| Plano | $126 | $243 |
| San Antonio | $123 | $237 |
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.
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 $248. Drivers pay an average of $322 for full coverage and $174 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 $51. Houston drivers can also find cheap premiums from GEICO and Allstate, the second- and third-cheapest insurers in the city, with liability rates starting at $55 and $73, respectively.
What are the best car insurance companies in Houston?
The best car insurance companies in Houston include State Farm, GEICO, and Allstate, with Insurify Quality Scores of 4.4, 4.3, and 4.2, respectively. 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.
Related articles
More cities in Texas
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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Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
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
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
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