Cheapest Auto Insurance in Houston, Texas (2024)

State Farm offers the cheapest car insurance in Houston, with minimum-coverage policies as low as $50 per month.

Choncé Maddox
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Choncé Maddox
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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.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

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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
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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.

Updated June 20, 2024

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Cheapest recent rates near Houston, Texas

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $61/mo for full coverage in Houston and other Texas cities.

*Quotes generated for Insurify users in and around Houston, Texas within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Houston, Texas within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $245. 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 $320; liability averages $170 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. 

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 Farm9.3$64$37Cheap rates
GEICO9.0$70$41People with a bad driving record
Allstate8.9$90$53Young 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.
  • 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-5 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 28,000 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

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.
4.6
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.
$85/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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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.
4.4
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.
$56/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.
$91/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

Read our GEICO review
Solomon - June 20, 2024
Verified

Educated Consumer

It's a good company; however, search other companies for a cheaper cost.

Gloria - June 20, 2024
Verified

Expensive

It's a good insurance, just expensive for me at this time.

George - June 20, 2024
Verified

Been with them for 22 years and no one has yet beaten their price for me

Check with other companies first. One of the best things they offer is a monthly policy term.

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.
4.4
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.
$72/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.
$119/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

Read our Allstate review
Gerald - June 20, 2024
Verified

It was Great

I would recommend it to a friend.

Alex - June 20, 2024
Verified

Pay Your Own Property Damage

My claim was rejected because the offender lied and said he was not at the site of a hit and run while my car was parked at a mall parking area. I came out of the mall and saw a card on my windshield with a note that said, 'he hit your car'. There was a description of the car and license plate. I reported it and it took about three weeks before I was told they couldn’t find him. Then a couple weeks later they said he denied the claim and I should take it up with his insurance. He said to me he was never at the mall. I got stuck with the bill if I put a company to work on the repair of $565.00, of which Allstate would pay $65.00.

Thomas - June 19, 2024
Verified

Misrepresentation by Allstate

They misrepresented how their safe driver program works. The broker insisted that they could match other quotes and claimed that my monthly rate could even go below the $145-$150 monthly premium that I was quoted. Surprisingly, it never even got close to that and I ended up paying nearly $300 a month. This was unsustainable and they dropped me suddenly without notice. Now, there is a lapse in my coverage and it is an issue since I don't qualify for this discount. Insurance companies can be challenging to deal with. When one is at his most vulnerable, they can seem to prioritize their profits or refuse to assist based on minor technicalities.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
State Farm$50
GEICO$56
Allstate$72
Mile Auto$72
Hugo$74
USAA$90
Safeco$107
Nationwide$114
Mercury$119
Midvale Home & Auto$130
Progressive$130
Dairyland$138
Clearcover$147
Chubb$154
National General$160
Liberty Mutual$167
Elephant$170
Direct Auto$175
21st Century$177
Commonwealth Casualty$179
The General$188
GAINSCO$204
Bristol West$211
State Auto$236
AssuranceAmerica$237
Infinity$253
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 $85.

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

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
State Farm$85
GEICO$91
Allstate$119
Mile Auto$148
USAA$150
Clearcover$188
Hugo$191
Mercury$191
Nationwide$216
Safeco$225
Progressive$228
Midvale Home & Auto$232
Chubb$256
Elephant$283
21st Century$295
AssuranceAmerica$315
Liberty Mutual$348
Direct Auto$354
National General$354
Dairyland$356
Infinity$395
The General$395
Bristol West$420
State Auto$428
GAINSCO$445
Commonwealth Casualty$466
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 recent rates near Houston, Texas

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $61/mo for full coverage in Houston and other Texas cities.

*Quotes generated for Insurify users in and around Houston, Texas within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Houston, Texas within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. 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:

  • 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.

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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 $458 per month for full coverage and $243 for liability-only policies.

However, rates could be as low as $64 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean RecordWith Speeding Ticket
State Farm$50$64
GEICO$56$73
Allstate$72$93
Mile Auto$72$99
Hugo$74$101
USAA$90$117
Safeco$107$141
Nationwide$114$150
Mercury$119$166
Midvale Home & Auto$130$175
Progressive$130$170
Dairyland$138$180
Clearcover$147$193
Chubb$154$203
National General$160$206
Liberty Mutual$167$239
Elephant$170$243
Direct Auto$175$229
21st Century$177$237
Commonwealth Casualty$179$256
The General$188$247
GAINSCO$204$292
Bristol West$211$273
State Auto$236$332
AssuranceAmerica$237$314
Infinity$253$343
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 their record pay an average of $262 per month for liability-only insurance, but rates can be as low as $69.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean RecordWith Accident
State Farm$48$69
GEICO$54$78
Hugo$67$100
Allstate$68$100
Mile Auto$68$108
USAA$86$125
Safeco$106$145
Nationwide$109$160
Mercury$115$175
Midvale Home & Auto$124$191
Progressive$125$184
Dairyland$132$192
Clearcover$140$218
Chubb$148$216
National General$151$224
Liberty Mutual$159$253
Commonwealth Casualty$164$245
Elephant$164$232
Direct Auto$166$248
21st Century$168$252
The General$178$266
GAINSCO$193$274
Bristol West$202$290
AssuranceAmerica$220$330
State Auto$228$359
Infinity$235$348
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 their record pay an average of $296 per month in Houston but may be able to find rates as low as $86.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean RecordWith DUI
State Farm$50$86
GEICO$56$96
Allstate$72$123
Mile Auto$72$112
Hugo$74$127
USAA$90$154
Safeco$107$183
Nationwide$114$195
Mercury$119$184
Midvale Home & Auto$130$223
Progressive$130$223
Dairyland$138$236
Clearcover$147$252
Chubb$154$264
National General$160$274
Liberty Mutual$167$286
Elephant$170$291
Direct Auto$175$300
21st Century$177$303
Commonwealth Casualty$179$307
The General$188$322
GAINSCO$204$349
Bristol West$211$361
State Auto$236$404
AssuranceAmerica$237$406
Infinity$253$433
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 $124 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyLiability OnlyFull Coverage
State Farm$36$62
GEICO$42$68
Hugo$49$128
Mile Auto$51$105
Allstate$54$90
USAA$67$112
Nationwide$80$151
Safeco$82$172
Mercury$84$135
Progressive$87$153
Midvale Home & Auto$93$166
Dairyland$104$267
Chubb$106$176
Clearcover$111$142
National General$118$261
21st Century$124$206
Elephant$126$210
Liberty Mutual$126$262
Direct Auto$127$257
Commonwealth Casualty$133$347
The General$144$303
GAINSCO$158$346
Bristol West$159$316
AssuranceAmerica$168$223
State Auto$170$308
Infinity$178$279
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 $298 per month for liability coverage but could find rates as low as $84.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyLiability OnlyFull Coverage
State Farm$84$142
GEICO$87$141
Allstate$125$206
Hugo$127$329
Mile Auto$138$284
USAA$148$246
Nationwide$193$365
Mercury$213$343
Safeco$220$462
Midvale Home & Auto$221$395
Dairyland$227$587
Progressive$232$407
Elephant$277$461
Chubb$281$467
Clearcover$282$360
21st Century$292$487
The General$300$630
National General$302$669
Liberty Mutual$304$634
Commonwealth Casualty$312$813
Direct Auto$315$637
Bristol West$354$706
GAINSCO$358$781
State Auto$414$750
AssuranceAmerica$435$578
Infinity$459$716
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

Houston drivers can find liability coverage for as low as $50/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.

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 $245 per month for car insurance compared to the statewide average of $185 and the national average of $160.

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 $184 per month. In Dallas, the average monthly car insurance rate is $211.

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 $170 for liability-only car insurance. Here’s how other Texas cities compare.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Arlington$126$254
Austin$128$240
Beaumont$140$274
Corpus Christi$122$231
Dallas$137$284
El Paso$93$219
Fort Worth$123$245
Galveston$123$248
Lubbock$106$240
Plano$124$244
San Antonio$125$246
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 $245. Drivers pay an average of $320 for full coverage and $170 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 Allstate, the second- and third-cheapest insurers in the city, with liability rates starting at $56 and $72, 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. 

Sources

  1. Trustpilot. "Allstate."
  2. Texas Department of Insurance. "Automobile Insurance Guide."
  3. NOLO. "How Long Does a DUI/DWI Stay on Your Record?."
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.

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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 HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

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