Cheapest Auto Insurance in Houston, Texas (2025)

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 $242. 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.

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 Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Liability Only	Full Coverage	Best For
State Farm	9.3	$80	$46	Cheap rates
GEICO	9.2	$194	$131	People with a bad driving record
Allstate	8.9	$112	$65	Young drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates in Houston: State Farm

Cheap Rates

Compare Quotes

User Reviews	4.1 6,027 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
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.	$53/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.	$101/mo

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Driver Reviews

4.1

Best choiceBased on 11,217 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,027)

John N

June 18, 2025

Verified Review

I've compared prices, and this company offers a better price than other options with excellent coverage.

I've compared prices, and this company offers a better price than other options with excellent coverage.

Jane

June 16, 2025

Verified Review

Looking for a Better Price

The cost is high and has increased by $80 since 2022.

Jeff

June 16, 2025

Verified Review

Good but at a cost.

They pay claims out without evaluating the evidence. While quick on the initial part of the claim, if it is more complex, it takes a bit longer (4 weeks to determine a totaled vehicle that was obvious to anyone who looked at it). Others are quick to assign blame without taking in evidence from you.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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

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

People with a Bad Driving Record

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User Reviews	4.0 6,425 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
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.	$57/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.	$110/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 11,957 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,425)

Stephen

June 18, 2025

Verified Review

Insurance premiums are too high

My experience with Geico has been good, but my premiums are very high due to claims.

Ana

June 17, 2025

Verified Review

Thought it was going to be lengthy but it wasn't. Comparing rates was very easy.

Take the time to compare rates. It is worth it.

Sarah

June 16, 2025

Verified Review

Friendly but Incompetent Customer Service

Their customer service reps are friendly but not particularly helpful. My registration got suspended because they had my VIN wrong, even though when I called they assured me they had it corrected in their system. I didn't find out until I got pulled over by a cop for not having valid registration.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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

Best insurer for young drivers in Houston: Allstate

Young Drivers

Compare Quotes

User Reviews	3.9 3,644 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.9 /10
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.	$75/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.	$143/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 6,822 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,644)

Vernita

June 17, 2025

Verified Review

Thankful

In Louisiana, it's hard to find affordable insurance.

Steve

June 11, 2025

Verified Review

AllState Insurance

Easy, efficient process to buy insurance coverage.

Chrystal

June 11, 2025

Verified Review

Allstate - ehh

The agency is fine to work with. However, the rates continue to rise despite the fact I've never had a claim with them.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

833

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

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

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 $53 per month.

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

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$53
GEICO	$57
Allstate	$75
Mile Auto	$80
USAA	$95
Nationwide	$120
Mercury	$125
Progressive	$137
Root	$140
Dairyland	$154
Chubb	$162
Safeco	$165
Direct Auto	$178
The General	$178
National General	$178
Clearcover	$179
AssuranceAmerica	$181
Bristol West	$182
21st Century	$186
Elephant	$204
GAINSCO	$231
Liberty Mutual	$326

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $101.

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

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$101
GEICO	$110
Allstate	$143
Mile Auto	$163
USAA	$179
Mercury	$224
Nationwide	$226
Progressive	$239
Root	$266
Safeco	$268
Clearcover	$295
Chubb	$306
Direct Auto	$334
Elephant	$340
National General	$351
21st Century	$353
The General	$364
Bristol West	$378
AssuranceAmerica	$396
Dairyland	$404
Liberty Mutual	$457
GAINSCO	$495

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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:

• 

  Bodily injury liability

  • $30,000 per person

  • $60,000 per accident^[2]

• 

  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:

• Comprehensive

• Collision

• Uninsured motorist

• Underinsured motorist

• Roadside assistance

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.

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4.8/5

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 $367 per month for full coverage and $203 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Record	With Speeding Ticket
State Farm	$53	$63
GEICO	$57	$67
Allstate	$75	$90
Mile Auto	$80	$92
USAA	$95	$114
Nationwide	$120	$145
Mercury	$125	$163
Progressive	$137	$165
Root	$140	$180
Dairyland	$154	$185
Chubb	$162	$195
Safeco	$165	$204
Direct Auto	$178	$215
The General	$178	$225
National General	$178	$213
Clearcover	$179	$222
AssuranceAmerica	$181	$209
Bristol West	$182	$221
21st Century	$186	$229
Elephant	$204	$236
GAINSCO	$231	$264
Liberty Mutual	$326	$402

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 their record pay an average of $213 per month for liability-only insurance, but rates can be as low as $66.

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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Record	With Accident
State Farm	$54	$66
GEICO	$61	$71
Allstate	$76	$94
Mile Auto	$82	$101
USAA	$97	$119
Nationwide	$122	$152
Mercury	$132	$173
Progressive	$138	$176
Root	$145	$181
Dairyland	$156	$193
Chubb	$167	$202
AssuranceAmerica	$175	$215
National General	$178	$221
Safeco	$179	$218
The General	$182	$232
Direct Auto	$183	$230
Bristol West	$188	$229
21st Century	$189	$238
Clearcover	$191	$252
Elephant	$210	$254
GAINSCO	$235	$281
Liberty Mutual	$346	$416

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 a DWI: GEICO

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 their record pay an average of $210 per month in Houston but may be able to find rates as low as $69.

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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Record	With DUI
State Farm	$53	$71
GEICO	$57	$69
Allstate	$75	$101
Mile Auto	$80	$108
USAA	$95	$128
Nationwide	$120	$161
Mercury	$125	$171
Progressive	$137	$184
Root	$140	$188
Dairyland	$154	$207
Chubb	$162	$218
Safeco	$165	$231
Direct Auto	$178	$239
The General	$178	$239
National General	$178	$239
Clearcover	$179	$241
AssuranceAmerica	$181	$243
Bristol West	$182	$245
21st Century	$186	$250
Elephant	$204	$274
GAINSCO	$231	$311
Liberty Mutual	$326	$438

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $142 per month for liability-only insurance but may find rates as low as $41.

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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Liability Only	Full Coverage
State Farm	$41	$78
GEICO	$47	$91
Mile Auto	$60	$123
Allstate	$60	$114
USAA	$75	$142
Nationwide	$89	$168
Progressive	$98	$172
Mercury	$101	$182
Root	$117	$223
Chubb	$118	$223
Dairyland	$123	$324
National General	$135	$266
Direct Auto	$138	$258
AssuranceAmerica	$138	$301
21st Century	$140	$266
Safeco	$141	$229
The General	$141	$289
Bristol West	$146	$303
Clearcover	$154	$254
Elephant	$165	$275
GAINSCO	$190	$406
Liberty Mutual	$268	$376

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $334 per month for liability coverage but could find rates as low as $102.

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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Liability Only	Full Coverage
State Farm	$102	$194
GEICO	$111	$214
Allstate	$150	$286
Mile Auto	$167	$341
USAA	$177	$334
Nationwide	$236	$444
Mercury	$240	$430
Root	$245	$465
Progressive	$258	$450
Dairyland	$264	$692
The General	$312	$638
Clearcover	$330	$543
Bristol West	$335	$696
Safeco	$346	$561
Chubb	$348	$658
21st Century	$350	$665
Direct Auto	$359	$673
Elephant	$362	$604
AssuranceAmerica	$366	$800
National General	$371	$732
GAINSCO	$442	$947
Liberty Mutual	$601	$843

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

Houston drivers can find liability coverage for as low as $53/month

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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.

Is car insurance more expensive in Houston? 

Houston drivers pay an overall average of $242 per month for car insurance compared to the statewide average of $178 and the national average of $151.

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 $181 per month. In Dallas, the average monthly car insurance rate is $199.

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 $172 for liability-only car insurance. Here’s how other Texas cities compare.

City	Average Quote: Liability Only	Average Quote: Full Coverage
Arlington	$126	$239
Austin	$132	$231
Beaumont	$141	$248
Corpus Christi	$131	$230
Dallas	$132	$267
El Paso	$99	$200
Fort Worth	$120	$232
Galveston	$129	$226
Lubbock	$108	$218
Plano	$126	$234
San Antonio	$125	$233

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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