Cheap Auto Insurance Quotes in Houston, TX (November 2021)

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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. 

Car Insurance in Houston, TX

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.
$142
$166
$176
$177
$236
AllstateState FarmProgressiveMercuryNationwide

Cheapest Car Insurance in Houston, TX

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Houston, TX

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Houston. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$222
$225
$258
$203
$203
$222
TexasSan AntonioDallasAustinFort WorthHouston
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Houston, TX Driving Facts

texas

Minimum Car Insurance Requirements in TX

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

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.

  • $25,000 propery damage liability per accident

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.

Houston Car Insurance Rates by Driver Age

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.

Driving History
No Violation$306
Speeding Ticket$376
At-Fault Accident$376
Failure to Stop for Red Light / Stop Sign$361

Houston Car Insurance Rates by Driving and Accident History

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.

Houston Car Insurance Rates by Credit Tier

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.

Houston DMV Information

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. 

Public Transit in Houston

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.

 

Conclusion: How to get the best and cheapest car insurance in Houston

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.

Find local Houston agents

Worthy Insurance and Financial Services, Inc. 
2506 La Branch Street, Houston, TX 77004
iscential 
8220 Jones Road, Houston, TX 77065
Suzanne Brown Agency LLC 
6161 Savoy Dr Ste 960, Houston, TX 77036-3392
Texan Insurance 
6161 Savoy Dr, Suite 960, Houston, TX 77036
ANCO Insurance Houston 
16350 Park 10 Place, Houston, TX 77084
Insurance Offices - Texas 
211 HIGHLAND CROSS DRIVE, Houston, TX 77073
Avalon Insurance Agency, LLC 
9660 Hillcroft, Houston, TX 77096
Dean & Draper Insurance Agency, LP 
3131 W. Alabama, Houston, TX 77098
AAIGOT Insurance Agency Inc 
6633 Hillcroft, Houston, TX 77081
Pasadena Insurance Agency Inc 
99 Detering St Ste 280, Houston, TX 77007

Insurify Insights: How Houston Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Houston, TX
suspended licenses
#87
Cities with Most
Suspended Licenses Rank

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.

Accidents Houston

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.

  • Rank within state: #141
  • Percent of drivers in Houston with an accident: 8.37%
  • Drivers in Houston, TX with an accident in their driving history paid on average 30.07% more than drivers with a clean record

Speeding Houston

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.

  • Rank within state: #162
  • Percent of drivers in Houston with a speeding ticket: 7.2%
  • Drivers in Houston, TX with a speeding ticket in their driving history paid on average 28.62% more than drivers with a clean record

DUI/DWIs Houston

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.

  • Rank within state: #129
  • Percent of drivers in Houston with a DUI: 1.05%
  • Drivers in Houston, TX with a DUI in their driving history paid on average 24.64% more than drivers with a clean record

Most Popular Vehicle Houston

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.

Rude Houston

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.

  • Rank within state: #60
  • Percent of drivers in Houston with a reckless driving violation: 1.35%
  • Drivers in Houston, TX with a reckless driving violation in their driving history paid on average 34.78% more than drivers with a clean record.

Safest Drivers Houston

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.

  • Rank within state: #11
  • Percent of drivers in Houston with clean record: 85.15%

Failure to Yield the Right of Way Houston

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.

  • Rank within state: #2
  • Percent of drivers in Houston with a failure to yield violation: 0.3%
  • Drivers in Houston, TX with a failure to yield violation in their driving history paid on average 9000% more than drivers with a clean record

Reckless Drivers Houston

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.

  • Rank within state: #23
  • Percent of drivers in Houston with a reckless driving offense: 0.01%

Hybrid/Electric Vehicle Ownership Houston

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.

  • Rank within state: #64
  • Percent of drivers in Houston with a hybrid/electric vehicle: 1.1%

FAQs - Houston, TX Car Insurance

What are the penalties of driving uninsured in Houston?

Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and Texas SR-22 requirements.

What are the required insurance needs of Texas drivers?

To legally drive in Texas, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.

What happens if I get caught driving uninsured in Houston?

Driving uninsured puts yourself, your passengers, your property, and everyone around you in danger. Never drive uninsured. In the state of Texas, if a driver is found to be driving uninsured, punishments can have major, costly, and long-term repercussions. For the first offense of driving without financial responsibility, drivers will receive four points on their license, hundreds in fines, and license suspension. They may also be mandated to file SR-22 insurance.

Which company offers the cheapest auto insurance quotes in Houston?

The best way to get the cheapest car insurance in Houston and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

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.


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