Cheapest Auto Insurance in Houston, Texas (2024)

State Farm offers the cheapest car insurance in Houston, with liability rates as low as $50 per month.

Choncé Maddox
Written byChoncé Maddox
Choncé 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

media logomedia logo
Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 March 14, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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 $240. 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 $312; liability averages $169 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. 

Find Cheap Car Insurance in Houston, Texas

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Liability OnlyFull CoverageBest For
State Farm4.5$64$38Cheap rates
GEICO4.2$69$42People with a bad driving record
Allstate4.2$90$54Young 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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates in Houston: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$50/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.
$84/mo

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for people with a bad driving record in Houston: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$92/mo

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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Best insurer for young drivers in Houston: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$71/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.
$118/mo

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

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

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 $50 per month.

Here are some of the cheapest liability-only car insurance rates in Houston.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm50
GEICO55
Mile Auto67
Hugo70
Allstate71
USAA90
Safeco106
Nationwide121
Mercury123
Midvale Home & Auto127
Progressive127
Clearcover136
Dairyland136
Chubb153
National General157
Liberty Mutual164
Elephant165
Commonwealth Casualty169
Direct Auto174
21st Century177
GAINSCO193
The General193
Bristol West212
State Auto228
AssuranceAmerica239
Infinity240
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 $84.

Here are some of the cheapest full-coverage car insurance rates in Houston.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm84
GEICO92
Allstate118
Mile Auto134
USAA150
Clearcover181
Hugo189
Mercury197
Nationwide212
Travelers214
Progressive226
Midvale Home & Auto228
Safeco230
Chubb254
Elephant266
21st Century294
AssuranceAmerica312
Direct Auto333
Liberty Mutual334
Dairyland344
National General350
Infinity365
The General391
Bristol West393
GAINSCO418
State Auto420
Commonwealth Casualty431
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.

Estimate your Houston car insurance costs

Select discounts that apply to you
Save 26%
Save 5%
Save 19%
Save 37%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    • $30,000 per person

    • $60,000 per accident[2]

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    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:

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

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $438 per month for full coverage and $237 for liability-only policies.

However, rates could be as low as $63 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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean RecordWith Speeding Ticket
State Farm5063
GEICO5570
Mile Auto6797
Hugo7098
Allstate7190
USAA90115
Safeco106148
Nationwide121156
Mercury123181
Progressive127168
Clearcover136188
Dairyland136179
Chubb153198
National General157201
Liberty Mutual164225
Elephant165212
Commonwealth Casualty169209
Direct Auto174230
21st Century177235
GAINSCO193240
The General193254
Bristol West212275
AssuranceAmerica239328
Infinity240317
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 record pay an average of $252 per month for liability-only insurance, but rates can be as low as $67.

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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean RecordWith Accident
State Farm4867
GEICO5275
Hugo6395
Mile Auto63104
Allstate6796
USAA85122
Safeco108158
Nationwide114166
Mercury117191
Progressive120180
Dairyland129189
Clearcover132219
National General145217
Chubb146209
Commonwealth Casualty152232
Elephant156227
Direct Auto161245
Liberty Mutual162240
21st Century165249
GAINSCO180258
The General180271
Bristol West201288
AssuranceAmerica219342
Infinity226318
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?

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 record pay an average of $286 per month in Houston but may be able to find rates as low as $81.

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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean RecordWith DUI
State Farm5081
GEICO5589
Mile Auto67109
Hugo70107
Allstate71115
USAA90146
Safeco106172
Nationwide121196
Mercury123204
Progressive127206
Clearcover136220
Dairyland136220
Chubb153248
National General157254
Liberty Mutual164266
Elephant165267
Commonwealth Casualty169247
Direct Auto174282
21st Century177287
GAINSCO193313
The General193313
Bristol West212344
State Auto228370
AssuranceAmerica239387
Infinity240389
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 $120 per month for liability-only insurance but may find rates as low as $36.

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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
State Farm3660
GEICO4068
Mile Auto4896
Allstate5388
USAA67111
Nationwide84148
Safeco84182
Progressive85151
Mercury93149
Chubb103171
Dairyland103260
Clearcover119158
Elephant120194
National General121269
21st Century124206
Commonwealth Casualty124316
Direct Auto125239
Liberty Mutual125254
GAINSCO147318
The General149301
Bristol West158294
AssuranceAmerica170222
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 $287 per month for liability coverage but could find rates as low as $83.

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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
State Farm83140
GEICO84141
Allstate122202
Hugo123332
Mile Auto126252
USAA145242
Safeco186403
Nationwide202354
Dairyland215545
Progressive221394
Mercury222355
Clearcover238317
Elephant267430
Liberty Mutual271552
Chubb275457
21st Century288479
Commonwealth Casualty290739
National General293653
The General300609
Direct Auto311595
GAINSCO340735
Bristol West344637
Infinity395600
State Auto399735
AssuranceAmerica447583
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

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $240 per month for car insurance compared to the statewide average of $184 and the national average of $157.

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 $179 per month. In Dallas, the average monthly car insurance rate is $207.

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 $169 for liability-only car insurance. Here’s how other Texas cities compare.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Arlington$124$244
Austin$129$230
Beaumont$137$284
Corpus Christi$121$228
Dallas$138$277
El Paso$92$217
Fort Worth$123$243
Galveston$123$237
Lubbock$108$238
Plano$122$241
San Antonio$124$241
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 $240. Drivers pay an average of $312 for full coverage and $169 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 $50. Houston drivers can also find cheap premiums from GEICO and Mile Auto, the second- and third-cheapest insurers in the city, with liability rates starting at $55 and $67, 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. 

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Trustpilot. "Allstate." Accessed June 13, 2023
  2. Texas Department of Insurance. "Automobile Insurance Guide." Accessed June 13, 2023
  3. NOLO. "How Long Does a DUI/DWI Stay on Your Record?." Accessed June 14, 2023
Choncé Maddox
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all