The average cost for full coverage car insurance in Houston is $2,231 per year. Compared to the Texas state average of $1,818, Houston drivers pay more than $413 more than average.
Texas has three of the largest cities in the nation, and that’s one of the reasons car insurance rates are so expensive. Comparing car insurance quotes with Policygenius is an easy way to find cheaper coverage. Policygenius can help you see quotes from top insurers to find the best coverage at a price that works for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Houston, TX
Drivers in Houston pay more for insurance because it is one of the fastest-growing cities in the country. More people on the road means a higher risk of being involved in an accident.
But there are still ways to find cheap coverage. Below are the cheapest car insurance rates by company in Houston.
Company | Average cost | JD Power Rating |
|---|---|---|
Farm Bureau | $104/month | -- |
State Farm | $108/month | 882 |
Germania Insurance | $125/month | -- |
Southern County Mutual | $147/month | -- |
USAA | $147/month | 890 |
Cheapest car insurance rates by ZIP code in Houston, TX
Where you call home is an important factor when it comes to how much you’re going to pay for car insurance. If you live in a neighborhood where car thefts are common, you’re probably going to pay more for your insurance. Additionally, the number of accidents and speeding tickets, as well as access to secure parking in your ZIP code can impact rates too.
The table below shows the ten most expensive ZIP codes in Houston.
ZIP code | Average cost |
|---|---|
77062 | $2,006 |
77094 | $2,008 |
77339 | $2,019 |
77345 | $2,019 |
77059 | $2,030 |
77058 | $2,053 |
77079 | $2,080 |
77095 | $2,086 |
77070 | $2,095 |
77025 | $2,106 |
77069 | $2,108 |
77027 | $2,114 |
77024 | $2,118 |
77046 | $2,124 |
77007 | $2,125 |
77056 | $2,128 |
77008 | $2,134 |
77006 | $2,138 |
77041 | $2,141 |
77043 | $2,147 |
77068 | $2,154 |
77030 | $2,156 |
77064 | $2,156 |
77065 | $2,156 |
77089 | $2,158 |
77077 | $2,160 |
77057 | $2,166 |
77098 | $2,174 |
77019 | $2,179 |
77015 | $2,181 |
77018 | $2,186 |
77080 | $2,193 |
77084 | $2,196 |
77040 | $2,197 |
77055 | $2,199 |
77034 | $2,202 |
77009 | $2,203 |
77054 | $2,203 |
77073 | $2,210 |
77032 | $2,212 |
77096 | $2,214 |
77010 | $2,218 |
77002 | $2,228 |
77014 | $2,228 |
77049 | $2,233 |
77092 | $2,234 |
77042 | $2,245 |
77066 | $2,253 |
77044 | $2,254 |
77063 | $2,255 |
Choosing the right car insurance company in Houston, TX
When choosing car insurance for your family, you want to be sure that the company you select will be there when you need them the most. Customer service is important. Does your insurer respond in a timely manner? How does the claims system work?
Policygenius can help you see quotes from top companies, and compare things like customer service ratings and coverage options, so you can choose the coverage that suits your needs.
Car insurance rates for drivers with driving violations in Houston, TX
Your driving history tells insurance companies what kind of risk you are when it comes to car insurance. More tickets and accidents on your driving record will make it harder for you to find affordable car insurance.
Below are the average rates for drivers in Houston with a speeding ticket or other moving violations on their record.
Violation | Farm Bureau | State Farm | Germania Insurance | Southern County Mutual | USAA |
|---|---|---|---|---|---|
At-fault accident | $2,138 | $1,552 | $2,067 | $2,682 | $2,882 |
Suspended license | $1,352 | $1,819 | $2,781 | $2,391 | $2,640 |
Open container | $2,624 | $1,978 | $1,606 | $2,391 | $2,139 |
Expired registration | $1,352 | $1,310 | $1,606 | $1,989 | $2,139 |
Driving without lights | $1,352 | $1,310 | $1,606 | $1,989 | $2,139 |
Running a red light | $1,352 | $1,310 | $1,606 | $1,989 | $2,139 |
Following too closely | $1,352 | $1,310 | $1,606 | $1,989 | $2,139 |
Hit and run | $1,352 | $2,086 | $3,496 | $2,391 | $2,851 |
Not-at-fault accident | $1,352 | $1,310 | $1,671 | $1,855 | $1,890 |
Passing a school bus | $1,352 | $1,310 | $1,606 | $2,391 | $2,139 |
Reckless driving | $1,352 | $2,086 | $3,496 | $2,391 | $2,851 |
→ Read about finding SR-22 insurance in Houston
Cheapest car insurance for drivers with a DUI in Houston, TX
Drivers in Texas pay an average of $1,818 per year for full coverage car insurance, but the average rate for a driver with a DUI or DWI is 63% higher at $2,962 per year.
But drivers with a DUI can still save money by comparing rates from multiple companies. According to our research, State Farm, Southern County Mutual, and Farm Bureau have the lowest rates for drivers with a DUI in Houston.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $2,086 |
Southern County Mutual | $2,391 |
Farm Bureau | $2,624 |
USAA | $2,851 |
Germania Insurance | $3,496 |
Cheapest car insurance for drivers with a speeding ticket in Houston, TX
Texas drivers will see an increase in their rates if they get a speeding ticket; drivers with a speeding ticket on their record have an average car insurance rate of $2,296 per year, which is almost $500 higher than the average rate for drivers with no moving violations on their record. We found that State Farm, Farm Bureau, and Germania Insurance had the cheapest average rates for drivers with a speeding ticket in Houston.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,310 |
Farm Bureau | $1,352 |
Germania Insurance | $1,606 |
Southern County Mutual | $1,989 |
USAA | $2,139 |
Cheapest car insurance for drivers with bad credit in Houston, TX
If you’ve had trouble getting approved for a car loan or qualifying to rent an apartment because of your credit score, chances are you’re going to pay more for car insurance.
Insurance companies consider drivers with a poor credit score at greater risk of filing a claim, but some companies offer better rates for drivers with bad credit. Below are the cheapest car insurance rates in Houston for drivers with bad credit.
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,983 |
Germania Insurance | $2,951 |
Farm Bureau | $3,119 |
Auto Club | $3,308 |
Nationwide | $3,324 |
Buying car insurance in Houston, TX
To be legally insured in Texas, state law says drivers must have the following minimum liability insurance requirements:
Bodily injury liability coverage per person: $30,000
Bodily injury liability coverage per accident: $60,000
Property damage liability coverage: $25,000
The insurance must be issued by a company licensed by the Texas Department of Insurance
Have continuous coverage on a vehicle even if it is inoperable or not being driven.
Texas is a fault state when it comes to accidents. This means that if you cause a wreck, you are responsible for paying for any damages or injuries to the other driver.
The Lonestar State also follows a modified comparative fault rule when more than one party is to blame for a wreck. If the case goes to trial, a jury is tasked with awarding damages based on the degree of fault. If the jury finds you more than 50 percent responsible for the wreck, you will not recover any damages due to the modified rule.
If you drive an expensive car or want to purchase more than just the state minimum requirements in Houston, here are two options to consider:
Comprehensive Insurance: This protection covers events such as falling objects, vandalism, and fire.
Collision Insurance: This protection pays for repairs to your car if it’s hit by another vehicle or you collide with a stationary object.
The best way to save on insurance in Texas is by comparing online quotes before choosing a policy.
How to get cheap car insurance in Houston, TX
Because Houston is such a large city, drivers pay a lot for car insurance. But, many companies offer discounts as a way to save money. Here are some of the most common:
Multi-Line discount: Savings for bundling home and car insurance with the same company.
Military discount: A discount for active-duty service members and their families.
Good student discount: A discount for high school drivers who maintain a B average or better.
Safe driver discount: For drivers who maintain a good driving record or take a defensive driving course.
Low mileage discount: For drivers who drive less than 7,500 miles a year.
Not everyone will qualify for these discounts, so be sure and ask your provider about other ways to lower your insurance costs.
Looking for home insurance? Find the best homeowners insurance in Houston
Frequently asked questions
Who has the cheapest car insurance in Houston?
According to our research, Texas Farm Bureau has the lowest rates in the city, at $1,243 per year. But the cheapest insurance company overall isn’t the cheapest for every driver, so you should still comparison shop to find your best rates.
How much is car insurance in Houston?
On average, drivers in Houston pay $186 per month for car insurance. Compared to the average cost of car insurance in Texas, coverage in Houston is more expensive.
Is car insurance more expensive in Houston or Dallas?
Houston is more expensive than Dallas for auto insurance. The cost of car insurance in Houston is $2,231 per year, while coverage is $2,170 in Dallas. Rates in both cities are more expensive than the average cost in Texas.
What is the minimum car insurance required in Houston?
In Houston, you have to carry at least $30,000 of bodily injury liability coverage per person, $60,000 per accident, and $25,000 of property damage liability coverage to drive legally.
