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Cheap Auto Insurance Quotes in Houston, TX (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Not everything's bigger in Texas.

Shrink your auto insurance costs in Houston today. 

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. 

Quick Facts

  • The average cost of car insurance in Houston is $296 per month, or $3552 annually.
  • Car insurance in Houston is $81 more than the average cost of car insurance in Texas.
  • The cheapest car insurance provider in Houston on average is Progressive, but you should always compare quotes to find your best personal rate.

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.

Quotes by Top Companies

Allstate
$142
State Farm
$166
Progressive
$176
Mercury
$177
Nationwide
$236

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!
Insurance Provider in HoustonQuotes
Allstate$142 /mo
State Farm$166 /mo
Progressive$176 /mo
Mercury$177 /mo
Nationwide$236 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Houston. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$153 /mo
American Family89$283 /mo
Nationwide89$289 /mo
Safeco86$218 /mo
Liberty Mutual82$345 /mo

Average Car Insurance Cost

Texas Cities
San Antonio$225/mo
Dallas$258/mo
Austin$203/mo
Fort Worth$191/mo
Houston$222/mo
Texas$220/mo
Fort Worth
$191
Austin
$203
Average for TX
$220
Houston
$222
San Antonio
$225
Dallas
$258
Click here to learn about car insurance quotes and save on your current policy.

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.

Driver's AgeAvg. Monthly Cost
teens$678
20s$382
30s$282
40s$283
50s$288
60s$254
70s$271
80s$298

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.

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

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.

Credit TierAvg. Monthly Cost
Excellent$311
Good$323
Average$324
Poor$322

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
View more

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.

 

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.

FAQs - Houston, TX Car Insurance

  • 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.
  • 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.
  • 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.
  • 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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Houston Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Houston, Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Houston drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Camry

Most Popular Car in Houston

#162

City with the Most Speeding Tickets Rank in Texas

#193

City with the Most Moving Violations Rank in Texas

#129

City with the Most DUIs Rank in Texas

#107

City with the Most Suspended Licenses in Texas

  • 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 pay on average 30.07% more than drivers with a clean record
  • 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 pay on average 28.62% more than drivers with a clean record
  • 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 pay on average 24.64% more than drivers with a clean record
  • 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.

    • 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 pay on average 34.78% more than drivers with a clean record.
  • 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%
  • 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 pay on average 9000% more than drivers with a clean record
  • 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%
  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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