Compare Houston, PA Car Insurance Rates (2021)

Car insurance in Houston, PA averages $318 a month. Houston, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Houston car insurance rates, compare quotes from the top car insurance companies in Houston, PA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Houston for teen drivers is USAA
  • The cheapest car insurance company in Houston is USAA
  • Average car insurance rates in Houston, PA are $3,816/year

If you need to buy Houston, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in Houston, PA is right here.

You’ll find Houston car insurance rates, the cheapest Houston, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Houston, Pennsylvania car insurance rates to Bethlehem car insurance rates, Erie car insurance rates, and Scranton car insurance rates.

Ready to find affordable Houston, PA car insurance today? Enter your ZIP code for fast, free Houston car insurance quotes.

Cheapest Houston, PA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Houston, PA car insurance rates? Every Houston, Pennsylvania car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Houston, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,400 $2,400 $2,217 $2,217 $8,092 $8,092 $2,639 $2,639
GEICO $2,001 $1,731 $1,870 $1,619 $5,114 $4,436 $2,022 $1,750
Liberty Mutual $3,785 $3,785 $3,466 $3,466 $11,096 $11,096 $4,811 $4,811
Nationwide $1,592 $1,592 $1,509 $1,509 $4,472 $4,472 $1,785 $1,785
Progressive $2,627 $2,627 $2,350 $2,350 $8,582 $8,582 $3,360 $3,360
State Farm $1,560 $1,560 $1,382 $1,382 $5,417 $5,417 $1,726 $1,726
Travelers $1,635 $1,635 $1,763 $1,763 $24,324 $24,324 $1,968 $1,968
USAA $1,161 $1,161 $1,050 $1,050 $3,533 $3,533 $1,545 $1,545

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Minimum Car Insurance in Houston, PA

Every driver must carry the minimum car insurance in Houston, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car Insurance Coverage in Houston, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Houston, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Houston, PA. Compare credit history car insurance rates in Houston from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Houston, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,904 $3,659 $2,948
GEICO $3,854 $2,171 $1,678
Liberty Mutual $7,391 $5,298 $4,678
Nationwide $2,745 $2,258 $2,015
Progressive $5,591 $3,934 $3,163
State Farm $3,590 $2,222 $1,752
Travelers $8,066 $7,302 $6,900
USAA $2,282 $1,690 $1,495

Cheapest Houston, PA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Houston, PA to rates for a clean record with top companies.

Annual Houston, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,673 $4,329 $3,673 $3,673
GEICO $1,882 $3,274 $2,512 $2,603
Liberty Mutual $5,299 $6,035 $5,912 $5,912
Nationwide $1,689 $2,262 $3,149 $2,257
Progressive $3,831 $5,311 $3,939 $3,837
State Farm $2,297 $2,746 $2,521 $2,521
Travelers $5,271 $7,490 $9,439 $7,490
USAA $1,463 $2,025 $2,165 $1,635

Cheapest Houston, PA Car Insurance for Teen Drivers

Teen car insurance in Houston, PA can be expensive. Take a look at rates from the top car insurance companies in Houston for teenagers.

Annual Car Insurance Rates for Teen Drivers in Houston, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,092 $8,092
GEICO $5,114 $4,436
Liberty Mutual $11,096 $11,096
Nationwide $4,472 $4,472
Progressive $8,582 $8,582
State Farm $5,417 $5,417
Travelers $24,324 $24,324
USAA $3,533 $3,533

Cheapest Houston, PA Car Insurance for Seniors

Take a look at Houston, PA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Houston, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,217 $2,217
GEICO $1,870 $1,619
Liberty Mutual $3,466 $3,466
Nationwide $1,509 $1,509
Progressive $2,350 $2,350
State Farm $1,382 $1,382
Travelers $1,763 $1,763
USAA $1,050 $1,050

Cheapest Houston, PA Car Insurance Rates After a DUI

A DUI in Houston, PA increases car insurance rates. Compare Houston, Pennsylvania DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Houston, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,673
GEICO $2,512
Liberty Mutual $5,912
Nationwide $3,149
Progressive $3,939
State Farm $2,521
Travelers $9,439
USAA $2,165

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Cheapest Houston, PA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Houston, PA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Houston, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,759 $3,915
GEICO $2,527 $2,609
Liberty Mutual $5,640 $5,938
Nationwide $2,339 $2,339
Progressive $4,230 $4,230
State Farm $2,441 $2,602
Travelers $7,423 $7,423
USAA $1,770 $1,874

The Best Cheap Car Insurance Companies in Houston, PA

Take a look at a side-by-side comparison of the top car insurance companies in Houston, PA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Houston, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,837
GEICO $2,568
Liberty Mutual $5,789
Nationwide $2,339
Progressive $4,230
State Farm $2,521
Travelers $7,423
USAA $1,822

Category Winners: Cheapest Car Insurance in Houston, Pennsylvania

Find the cheapest car insurance companies in Houston, PA for each category right here.

Best Annual Car Insurance Rates by Company in Houston, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Houston, PA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Houston car insurance rates. Find the cheapest Houston, PA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Houston, Pennsylvania

Insurance Company Low Medium High
Allstate $3,683 $3,858 $3,970
GEICO $2,375 $2,591 $2,737
Liberty Mutual $5,526 $5,828 $6,014
Nationwide $2,351 $2,371 $2,296
Progressive $3,861 $4,271 $4,557
State Farm $2,358 $2,556 $2,650
Travelers $7,466 $7,439 $7,362
USAA $1,680 $1,841 $1,946

What affects car insurance rates in Houston, Pennsylvania?

What factors can have an impact on Houston, PA car insurance? There are several reasons why Houston car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Houston, Pennsylvania.

Commute Time in Houston

The more time you spend in your car the higher the risk of an accident. The average commute length in Houston, PA is 20.5 minutes according to City-Data.

Traffic in Houston

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Houston, PA traffic data from INRIX ranks Houston as the 57th-most congested in the world.

Compare Car Insurance Quotes in Houston, PA

Ready to find affordable Houston, Pennsylvania car insurance today? Enter your ZIP code for fast, free Houston, PA car insurance quotes.

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