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Car travel is the main mode of transportation for nearly 2.3 million Houston residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Houston. Let’s get on our way to great savings. Search and save on the best car insurance policies in Houston today.
The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Houston, TX to find you the cheapest quotes in the area.
Here are the cheapest carriers in Houston for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Allstate | $142/mo |
 State Farm | $166/mo |
 Progressive | $176/mo |
 Mercury | $177/mo |
 Nationwide | $236/mo |
| Best Companies | Quotes | |
|---|---|---|
 Clearcover | $153/mo | |
 American Family | $283/mo | |
Nationwide | $289/mo | |
 Safeco | $218/mo | |
 Liberty Mutual | $345/mo |
Texas Cities | |
|---|---|
| San Antonio | $225/mo |
| Dallas | $258/mo |
| Austin | $203/mo |
| Fort Worth | $203/mo |
| Houston | $222/mo |
| Texas | $222/mo |
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All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:
$30,000/$60,000 bodily injury liability per person/accident
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.
The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Though there’s more to a credit score than just paying your bills on time, drivers with good credit scores seem to have a benefit when it comes to calculating insurance rates. A poor credit score affects your insurance rates like a poor driving record can. On average, drivers with an excellent credit score in Houston will fare better than those whose credit score is questionable.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $678 |
| 20s | $382 |
| 30s | $282 |
| 40s | $283 |
| 50s | $288 |
| 60s | $254 |
| 70s | $271 |
| 80s | $298 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $306 |
| Speeding Ticket | $376 |
| At-Fault Accident | $376 |
| Failure to Stop for Red Light / Stop Sign | $361 |
Average Houston car insurance premiums are affected by many factors, including a driver’s age. Because more experienced drivers tend to have fewer accidents, Houston insurance rates tend to favor those in the age range of 30 to 60. This group of drivers enjoys a premium of about $100 less than drivers in their 20s. Age isn’t everything, though. Houston drivers in their 70s see greater rates than their younger peers, as accident claims increase at this age.
Insurance rate averages in Houston are also affected by a person’s driving record. Keeping your driving record clean in this town means keeping your rates as low as an average of $305 a month. While speeding can tack on an extra $70 a month to your insurance premiums, simply running a red light can be nearly as bad. Houston drivers with this kind of violation pay about $360 a month for their insurance on average.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $311 |
| Good | $323 |
| Average | $324 |
| Poor | $322 |
Houston, Texas has dozens of DMV outposts around the area. The opening hours vary between 8:30 AM and 6 PM with additional early morning, evening, and weekend hours. Some DMV services are offered online, including requesting duplicate registration cards, emissions waiver applications, and title change status. They also offer online services that may help you to skip your in-person DMV visit altogether.
The city of Houston offers residents and visitors expansive public transit options throughout the city and into surrounding areas. VIA Metropolitan Transit operates convenient, affordable bus routes around the city. Houston also has a bike sharing program called B-Cycle. For a low membership cost, patrons can conveneintly rent and return bicylces at 90 parking stations around the city. And of course, Houston offers ridesharing services like Uber and Lyft, plus traditional taxis. Even with these services available, most Houston Residents drive cars in and around the city. In fact, over 93 percent of households own vehicles, leading to frequent traffic jams out of the city. Make sure you're protected before hitting the road.
As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.
Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.
With an estimated 14.1 percent of vehicles driving uninsured throughout Texas, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Houston stacks up for the state of Texas:
