Compare Houston, TX Car Insurance Rates (2021)

Car insurance in Houston, TX averages $398 a month. Houston, Texas car insurance requirements are 30/60/25, 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, TX.

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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

  • Average car insurance rates in Houston, TX after a DUI are $5,412/year
  • Average car insurance rates in Houston, TX are $4,771/year
  • The cheapest ZIP code in Houston is 77059

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

You’ll find Houston car insurance rates, the cheapest Houston, TX car insurance companies, and information on Texas car insurance laws. You can also compare Houston, Texas car insurance rates to Laredo car insurance rates, Austin car insurance rates, and Arlington car insurance rates.

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

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

How do age, gender, and marital status affect Houston, TX car insurance rates? Every Houston, Texas 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, Texas

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 $4,217 $4,244 $4,163 $4,163 $11,219 $13,509 $5,202 $5,401
American Family $3,869 $4,363 $3,710 $4,307 $11,318 $14,803 $5,781 $6,622
GEICO $2,912 $3,169 $2,838 $3,272 $6,542 $6,742 $3,158 $3,121
Nationwide $2,738 $2,782 $2,415 $2,557 $7,906 $10,152 $3,231 $3,497
Progressive $2,780 $2,646 $2,471 $2,516 $11,780 $13,179 $3,312 $3,373
State Farm $2,410 $2,410 $2,151 $2,151 $5,837 $7,447 $2,625 $2,699
USAA $1,861 $1,863 $1,789 $1,765 $5,317 $5,756 $2,474 $2,629

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Minimum Car Insurance in Houston, TX

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

Minimum Required Car Insurance Coverage in Houston, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Houston, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Houston, TX. 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, Texas

Insurance Company Poor Fair Good
Allstate $8,286 $6,065 $5,194
American Family $9,270 $6,016 $5,254
GEICO $6,152 $3,462 $2,294
Nationwide $5,296 $4,248 $3,685
Progressive $5,921 $5,114 $4,737
State Farm $4,902 $3,057 $2,439
USAA $4,286 $2,496 $2,013

Cheapest Houston, TX 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, TX to rates for a clean record with top companies.

Annual Houston, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,027 $7,838 $8,168 $5,027
American Family $6,204 $7,998 $6,980 $6,204
GEICO $3,361 $4,481 $3,696 $4,339
Nationwide $3,820 $3,820 $5,679 $4,320
Progressive $4,576 $5,936 $5,357 $5,160
State Farm $3,071 $3,534 $4,188 $3,071
USAA $2,175 $3,239 $3,814 $2,499

Cheapest Houston, TX Car Insurance for Teen Drivers

Teen car insurance in Houston, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,219 $13,509
American Family $11,318 $14,803
GEICO $6,542 $6,742
Nationwide $7,906 $10,152
Progressive $11,780 $13,179
State Farm $5,837 $7,447
USAA $5,317 $5,756

Cheapest Houston, TX Car Insurance for Seniors

Take a look at Houston, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,163 $4,163
American Family $3,710 $4,307
GEICO $2,838 $3,272
Nationwide $2,415 $2,557
Progressive $2,471 $2,516
State Farm $2,151 $2,151
USAA $1,789 $1,765

Cheapest Houston, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Houston, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,168
American Family $6,980
GEICO $3,696
Nationwide $5,679
Progressive $5,357
State Farm $4,188
USAA $3,814

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Cheapest Houston, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Houston, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,354 $6,676
American Family $6,847 $6,847
GEICO $3,895 $4,043
Nationwide $4,410 $4,410
Progressive $5,257 $5,257
State Farm $3,466 $3,466
USAA $2,894 $2,969

Cheapest Houston, TX Car Insurance Rates by ZIP Code

Houston car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Houston, TX.

Annual Car Insurance Rates by ZIP Code in Houston, Texas

ZIP Code Average Annual Rates
77002 $6,995
77003 $7,313
77004 $7,497
77005 $6,459
77006 $6,550
77007 $6,725
77008 $6,882
77009 $6,915
77010 $7,224
77011 $7,286
77012 $7,348
77013 $7,229
77014 $7,409
77015 $6,844
77016 $7,629
77017 $7,427
77018 $6,788
77019 $6,857
77020 $7,515
77021 $7,150
77022 $7,606
77023 $7,399
77024 $6,767
77025 $6,664
77026 $7,554
77027 $6,741
77028 $7,580
77029 $7,052
77030 $6,752
77031 $6,940
77032 $7,242
77033 $7,841
77034 $6,970
77035 $7,054
77036 $8,151
77037 $7,670
77038 $7,567
77039 $7,602
77040 $7,346
77041 $6,971
77042 $7,117
77043 $6,825
77044 $7,215
77045 $7,420
77046 $6,623
77047 $7,389
77048 $7,487
77049 $6,873
77050 $7,505
77051 $7,489
77053 $7,748
77054 $6,844
77055 $6,932
77056 $6,743
77057 $7,043
77058 $6,308
77059 $6,255
77060 $7,665
77061 $7,479
77062 $6,264
77063 $6,965
77064 $6,796
77065 $7,044
77066 $7,257
77067 $7,613
77068 $6,797
77069 $6,609
77070 $6,655
77071 $7,325
77072 $7,909
77073 $7,328
77074 $7,337
77075 $7,189
77076 $7,685
77077 $6,853
77078 $7,701
77079 $6,442
77080 $6,946
77081 $7,610
77082 $7,227
77083 $7,671
77084 $7,112
77085 $7,103
77086 $7,472
77087 $7,330
77088 $7,612
77089 $6,714
77090 $7,441
77091 $7,644
77092 $6,950
77093 $7,593
77094 $6,513
77095 $6,825
77096 $6,825
77098 $6,594
77099 $7,600
77201 $7,492
77204 $7,496
77336 $6,539
77338 $6,847
77339 $6,352
77489 $6,794
77598 $6,524

The Best Cheap Car Insurance Companies in Houston, TX

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

Average Annual Car Insurance Rates by Company in Houston, Texas

Insurance Company Average Annual Rates
Allstate $6,515
American Family $6,847
GEICO $3,969
Nationwide $4,410
Progressive $5,257
State Farm $3,466
USAA $2,932

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Category Winners: Cheapest Car Insurance in Houston, Texas

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

Best Annual Car Insurance Rates by Company in Houston, Texas

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

Cheapest Houston, TX 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, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Houston, Texas

Insurance Company Low Medium High
Allstate $6,345 $6,451 $6,748
American Family $6,296 $6,550 $7,694
GEICO $3,723 $3,909 $4,276
Nationwide $4,739 $4,220 $4,270
Progressive $5,010 $5,235 $5,527
State Farm $3,269 $3,453 $3,676
USAA $2,814 $2,918 $3,063

What affects car insurance rates in Houston, Texas?

What factors can have an impact on Houston, TX 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, Texas.

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, TX is 27.7 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, TX traffic data from INRIX ranks Houston as the 57th-most congested in the world.

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Compare Car Insurance Quotes in Houston, TX

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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