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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 | |
|---|---|
 Allstate | $142/mo |
 State Farm | $166/mo |
 Progressive | $176/mo |
 Mercury | $177/mo |
 Nationwide | $236/mo |
| Best Companies | ||
|---|---|---|
 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 | |
|---|---|
| teens | $678 |
| 20s | $382 |
| 30s | $282 |
| 40s | $283 |
| 50s | $288 |
| 60s | $254 |
| 70s | $271 |
| 80s | $298 |
| Driving History | |
|---|---|
| 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 | |
|---|---|
| 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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Houston drivers measure up to their fellow Texas motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Houston drivers rank 141 in the number of car accidents per driver across all cities in Texas.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Houston drivers rank 162 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Houston drivers rank 129 in the number of DUI’s per driver across all cities in Texas.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Houston is the Toyota Camry.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Houston drivers rank 60 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Houston drivers rank 11 in clean driving records across all cities in Texas.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Houston drivers rank 2 in failure to yield violations per driver across all cities in Texas.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Houston drivers rank 23 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Houston drivers rank 64 in hybrid and electric vehicle ownership across all cities in Texas.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
