120+ more)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Updated
The average cost of car insurance coverage in Katy is $139 per month for state-minimum liability coverage and $239 per month for full coverage.
Your rates in Texas can fluctuate greatly depending on where you live. Rates in Katy are lower than rates in the nearby city of Houston and the neighboring area of Fresno. Fresno is closer to Houston and sits along FM 521, a high-speed road, and has one of the highest traffic fatality rates in Texas. Houston has a denser population and a large commuter community, which increases the likelihood of accidents.
In comparison, Katy has a lower population density and is more suburban than both Houston and Fresno, which might help explain its lower average rates.
Check quotes from 120+ top insurance companies
On average, Katy drivers pay $139 per month for liability coverage, higher than the Texas average of $110. State Farm offers the cheapest auto insurance in Katy.
Minimum coverage requirements in Katy include $30,000 per person and $60,000 per accident for bodily injury liability, and $25,000 for property damage liability.[1]
The following table shows the cheapest rates for liability coverage in Katy, Texas.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| Allstate | $73 |
| Mile Auto | $75 |
| Progressive | $75 |
| GEICO | $84 |
| USAA | $92 |
| Mercury | $103 |
| First Acceptance | $105 |
| The General | $109 |
| Alinsco | $110 |
| Lone Star | $114 |
| Nationwide | $116 |
| Commonwealth Casualty | $117 |
| GAINSCO | $117 |
| Bristol West | $121 |
| Clearcover | $121 |
| Dairyland | $122 |
| Root | $122 |
| Covercube | $124 |
| Mendota | $127 |
| AssuranceAmerica | $128 |
| Excepsure | $133 |
| Sun Coast | $134 |
| Safeco | $136 |
| Direct Auto | $138 |
| National General | $139 |
| Loop | $144 |
| Elephant | $145 |
| Chubb | $158 |
| Trexis One | $164 |
| 21st Century | $182 |
| Insurify Car | $187 |
| Hugo | $188 |
| Liberty Mutual | $221 |
The average cost of full-coverage car insurance in Katy is $239 per month. A full-coverage policy in Texas includes collision and comprehensive coverage.
Even though Katy isn’t at major risk for hurricanes, unlike Galveston, Katy drivers face many natural disaster risks, including flooding, hail, and tornadoes.[2] Unlike a liability-only policy, a full-coverage auto policy can help protect against damage from all these hazards.
The table below highlights the cheapest rates for full-coverage car insurance in Katy.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $102 |
| Progressive | $140 |
| Allstate | $144 |
| Mercury | $165 |
| Mile Auto | $166 |
| GEICO | $176 |
| USAA | $182 |
| Root | $201 |
| Safeco | $202 |
| Clearcover | $211 |
| Alinsco | $215 |
| Direct Auto | $215 |
| Elephant | $224 |
| GAINSCO | $225 |
| Nationwide | $228 |
| National General | $230 |
| Bristol West | $233 |
| AssuranceAmerica | $238 |
| The General | $242 |
| Mendota | $246 |
| Commonwealth Casualty | $256 |
| First Acceptance | $258 |
| Loop | $263 |
| Sun Coast | $266 |
| Lone Star | $267 |
| Covercube | $285 |
| Dairyland | $293 |
| Chubb | $307 |
| Liberty Mutual | $323 |
| Trexis One | $337 |
| 21st Century | $355 |
While average auto insurance rates are most expensive in cities like Fresno and Houston, Katy still ranks among the top. The city of Katy is exposed to several natural disasters, such as flooding and hail, which increases insurance costs.
The county of Harris, where Katy is located, also experiences a high number of crashes, which can drive up the cost of car insurance. In 2024, the county recorded 115,173 crashes, the highest in Texas.[3]
Katy is even more expensive than several cities with higher populations, like Plano and Arlington.
The following table shows the average monthly quotes for different cities in Texas.
City | Average Monthly Quote |
|---|---|
| Abilene | $130 |
| Amarillo | $151 |
| Arlington | $164 |
| Austin | $164 |
| Beaumont | $173 |
| Brownsville | $161 |
| Corpus Christi | $164 |
| Dallas | $179 |
| Denton | $153 |
| El Paso | $139 |
| Fort Worth | $157 |
| Galveston | $163 |
| Garland | $180 |
| Grand Prairie | $168 |
| Houston | $212 |
| Huntsville | $153 |
| Irving | $168 |
| Katy | $189 |
| Killeen | $145 |
| Laredo | $153 |
| Lubbock | $146 |
| McAllen | $171 |
| Mesquite | $179 |
| Midland | $147 |
| Odessa | $162 |
| Plano | $158 |
| San Antonio | $166 |
| San Marcos | $151 |
Pay your first week’s premium and get immediate proof of insurance
Car insurance in Katy is more expensive than the Texas state average for a couple reasons. Although more suburban than neighboring Houston, Katy’s location on I-10 (the Katy Freeway) is prone to heavy traffic.
Katy residents have an average commute of 31 minutes, which is approximately 20% longer than the average commute in Texas and across the U.S. A longer commute on a congested highway, like the I-10 to Houston, can increase the potential for a car accident, and a higher rate of accidents can increase the cost of car insurance.[4]
*Quotes generated for Insurify users in and around Katy, Texas within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Katy, Texas within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Texas, your driving record is one of the factors insurers review when calculating your car insurance rates. A clean driving history typically results in lower car insurance premiums. A record with speeding tickets, at-fault accidents, or a conviction for driving while intoxicated (DWI) can increase the amount you pay for insurance.
Below are some of the cheapest car insurance quotes in Katy for drivers with different driving records.
Cheapest car insurance for Katy drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Katy: State Farm
Cheapest car insurance for Katy drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DWI in Katy: State Farm
In Katy, more than 2% of drivers have a speeding ticket, nearly 5% have an at-fault accident, and 0.33% have a DWI, according to Insurify data. The penalty for a first-time DWI offense in Texas includes a fine of up to $3,000, up to 180 days in jail upon conviction with three mandatory days, and the loss of your license for up to one year.
Second-time offenders can see fines of up to $4,000, one month to one year in jail, and the loss of their license for up to two years.[5] In Texas, the consequences continue to increase for third-time offenders.
Texas no longer puts points on licenses for infractions, but you can request a copy of your Driver Record to see what’s on your record.
The following table shows the average monthly quotes for people with different driving records in Katy.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $189 |
| Speeding ticket | $237 |
| At-fault accident | $251 |
| DWI | $262 |
The I-10, also known as the Katy Freeway, is prone to flooding in certain sections. The Inner Katy Corridor crosses approximately 85 acres of the 100-year floodplain. This section of roadway can become impassable during heavy rain events, which happened during Hurricane Harvey in 2017 and Tropical Storm Imelda in 2019.
The Texas Department of Transportation is working on improvements to reduce flooding risk, but this will likely cause lane closures and increase traffic while they do the work.[6]
In Texas, 12% of registered vehicles don’t have insurance.[7] As a result, you may want to consider uninsured/underinsured motorist coverage. In Texas UM/UIM coverage isn’t a minimum requirement, but all car insurance companies need to offer this coverage when you buy auto insurance. If you don’t want it, you have to refuse it in writing.
Purchasing this coverage gives you more protection if a driver hits you and they don’t have adequate coverage.
Many drivers in Katy commute to Houston on I-10, and this road is known to get very congested during commuting hours. On average, Katy drivers have a commute of 31 minutes, which is approximately 20% longer than the average commute in Texas.
Several parts of the Katy Freeway are listed among the top 100 most congested road segments in Texas. Increased congestion has led to collision hot spots with crash rates above the state and national averages. More crashes generally lead to more insurance claims, which can contribute to increasing insurance rates in the area.
Texas teens can obtain their learner’s license between the ages of 15 and 17. To try to keep teen drivers safe, the state of Texas has a Graduated Driver License (GDL) program. Teen drivers have certain restrictions, including the number of passengers that can be in the car, when they can drive, and a zero-tolerance policy for any wireless communication devices in the vehicle.[8]
On average, Katy teens pay $272 per month for liability policies and $467 per month for full-coverage policies.
The following table shows the cheapest rates for teenage drivers in Katy.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $102 |
| Progressive | $147 |
| Allstate | $149 |
| GEICO | $157 |
| Mile Auto | $159 |
| USAA | $176 |
| Root | $192 |
| Mercury | $195 |
| The General | $204 |
| First Acceptance | $205 |
| Clearcover | $207 |
| Alinsco | $215 |
| GAINSCO | $215 |
| Dairyland | $221 |
| Bristol West | $223 |
| Lone Star | $223 |
| Commonwealth Casualty | $227 |
| Nationwide | $234 |
| Covercube | $242 |
| Mendota | $248 |
| Excepsure | $260 |
| Sun Coast | $262 |
| Elephant | $270 |
| AssuranceAmerica | $274 |
| Direct Auto | $278 |
| Loop | $281 |
| Safeco | $285 |
| National General | $287 |
| Trexis One | $320 |
| Chubb | $335 |
| 21st Century | $339 |
| Hugo | $360 |
| Insurify Car | $365 |
| Liberty Mutual | $402 |
While Katy doesn’t have a large senior population, people 65 and older make up 11% of the overall population.
Senior drivers in Katy pay $118 per month for liability policies.
The table below shows the cheapest rates for senior drivers in Katy.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| Mile Auto | $58 |
| Allstate | $59 |
| Progressive | $64 |
| GEICO | $66 |
| USAA | $74 |
| Mercury | $81 |
| Nationwide | $88 |
| First Acceptance | $89 |
| The General | $92 |
| Commonwealth Casualty | $94 |
| Alinsco | $94 |
| Lone Star | $97 |
| AssuranceAmerica | $99 |
| GAINSCO | $99 |
| Bristol West | $100 |
| Dairyland | $103 |
| Covercube | $106 |
| Clearcover | $106 |
| Mendota | $108 |
| National General | $108 |
| Root | $111 |
| Direct Auto | $112 |
| Excepsure | $113 |
| Sun Coast | $114 |
| Elephant | $117 |
| Safeco | $118 |
| Chubb | $118 |
| Loop | $123 |
| Trexis One | $140 |
| 21st Century | $142 |
| Insurify Car | $159 |
| Hugo | $162 |
| Liberty Mutual | $182 |
To find the best car insurance for your needs and budget in Katy, check out the following answers to some of our most frequently asked questions.
The average cost of car insurance in Katy is $139 per month for liability insurance and $239 per month for a full-coverage policy. Car insurance rates vary between drivers based on factors like age, location, and coverage limits.
State Farm has the cheapest car insurance in Katy with an average rate of $51 per month for liability-only coverage.
Several factors contribute to the high insurance rates in Texas, including traffic congestion, a high crash rate, and exposure to severe weather, including hurricanes, flooding, hail, and tornadoes.
Many factors affect car insurance rates in Katy, including long commute times on congested roads, high crash rates, and severe weather. Factors such as your age, driving record, and credit score can also influence your insurance premiums.
To lower your car insurance rates in Katy, maintain a clean driving record, consider raising your deductible, ask insurers about bundling discounts, and compare auto insurance quotes from multiple companies.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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.