Houston Car Insurance - Texas

Enter your zip code below to view companies that have cheap auto insurance rates.

What is the average cost for car insurance Houston?

The first thing that needs to be done is to break down the different factors that play into your rates. Some of these include age, driving history, and location. If you are currently paying too much for your coverage, there are always options out there that can help you lower your premium costs.

Is car insurance higher in Houston?

Zens offers. In fact, it generally costs more to insure a car in Houston than anywhere else. But how much the cost varies from state to state and city to city, so you can find cheap auto insurance rates in Houston too.

How much is car insurance in Houston per month?

Being new to Texas, you should expect rates based on zip code or even street address within the Houston area.

Why is car insurance so expensive in Houston?

Houston is a continuously growing city that never seems to have a shortage of cars on the road. With this increase in traffic comes an increased number of accidents. Fortunately, while insurance rates may seem high in Houston, there are ways to save.

Houston Car Insurance - TexasHouston Car Insurance - Texas

Houston Cheapest Companies

Cheapest Companies
Quotes
Allstate
$142/mo
State Farm
$168/mo
Progressive
$176/mo
Mercury
$178/mo
Nationwide
$237/mo

Around Cities

Texas Cities
San Antonio$225/mo
Dallas$258/mo
Austin$204/mo
Fort Worth$203/mo
Houston$223/mo
Texas$225/mo

Houston Best Companies

Best Companies
Score ?
Quotes ?
Clearcover
97
$154/mo
American Family
89
$286/mo
Nationwide
89
$290/mo
Safeco
86
$218/mo
Liberty Mutual
82
$346/mo

Houston Drivers by Age

Driver Age
Avg. Monthly Cost
teens$676
20s$383
30s$283
40s$284
50s$290
60s$257
70s$273
80s$297

Driving History

Driving History
Avg. Monthly Cost
No Violation$308
Speeding Ticket$376
At-Fault Accident$380
Failure to Stop for Red Light / Stop Sign$364

Houston Scores

Credit Tie
Avg. Monthly Cost
Excellent$310
Good$326
Average$324
Poor$323

Houston Ratings

Cities with Most DUIs Rank#129
Cities with Most Moving Violations Rank#176
Most Popular Car in stateToyota Camry
Cities with Most Speeding Tickets Rank#162
Cities with Most Suspended Licenses Rank#78

Averages

Houston Average (per year)Texas AverageUnited States Average
$1687$1420$1544

Group by Genders

Gender/Marital StatusAverage Annual Rate
Female$1674
Male$1679
Single$1557
Married$1577
Divorced$1679
Widowed$1533

Violations

IncidentAverage Annual Rate
DWI/DUI$2639
Reckless Driving$2582
$999$2141
$2021$2558
Speeding Ticket (16-20 mph over speed limit)$1811

Houston Info

Major HighwaysU.S. 290,I-10,Loop 610
Public TransitMETRO Rail,METRO Bus,
Toll RoadsSam Houston Tollway,Hardy Toll Road,Tomball Tollway

Houston Zipcodes

  • 77001
  • 77002
  • 77003
  • 77004
  • 77005
  • 77006
  • 77007
  • 77008
  • 77009
  • 77010
  • 77011
  • 77012
  • 77013
  • 77014
  • 77015
  • 77016
  • 77017
  • 77018
  • 77019
  • 77020
  • 77021
  • 77022
  • 77023
  • 77024
  • 77025
  • 77026
  • 77027
  • 77028
  • 77029
  • 77030
  • 77031
  • 77032
  • 77033
  • 77034
  • 77035
  • 77036
  • 77037
  • 77038
  • 77039
  • 77040
  • 77041
  • 77042
  • 77043
  • 77044
  • 77045
  • 77046
  • 77047
  • 77048
  • 77049
  • 77050
  • 77051
  • 77052
  • 77053
  • 77054
  • 77055
  • 77056
  • 77057
  • 77058
  • 77059
  • 77060
  • 77061
  • 77062
  • 77063
  • 77064
  • 77065
  • 77066
  • 77067
  • 77068
  • 77069
  • 77070
  • 77071
  • 77072
  • 77073
  • 77074
  • 77075
  • 77076
  • 77077
  • 77078
  • 77079
  • 77080
  • 77081
  • 77082
  • 77083
  • 77084
  • 77085
  • 77086
  • 77087
  • 77088
  • 77089
  • 77090
  • 77091
  • 77092
  • 77093
  • 77094
  • 77095
  • 77096
  • 77097
  • 77098
  • 77099
  • 77201
  • 77202
  • 77203
  • 77204
  • 77205
  • 77206
  • 77207
  • 77208
  • 77209
  • 77210
  • 77212
  • 77213
  • 77215
  • 77216
  • 77217
  • 77218
  • 77219
  • 77220
  • 77221
  • 77222
  • 77223
  • 77224
  • 77225
  • 77226
  • 77227
  • 77228
  • 77229
  • 77230
  • 77231
  • 77233
  • 77234
  • 77235
  • 77236
  • 77237
  • 77238
  • 77240
  • 77241
  • 77242
  • 77243
  • 77244
  • 77245
  • 77246
  • 77247
  • 77248
  • 77249
  • 77250
  • 77251
  • 77252
  • 77253
  • 77254
  • 77255
  • 77256
  • 77257
  • 77258
  • 77259
  • 77260
  • 77261
  • 77262
  • 77263
  • 77265
  • 77266
  • 77267
  • 77268
  • 77269
  • 77270
  • 77271
  • 77272
  • 77273
  • 77274
  • 77275
  • 77276
  • 77277
  • 77278
  • 77279
  • 77280
  • 77282
  • 77284
  • 77285
  • 77286
  • 77287
  • 77288
  • 77289
  • 77290
  • 77291
  • 77292
  • 77293
  • 77294
  • 77296
  • 77297
  • 77298
  • 77299

Other cities of same state

Other cities from different states

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

Compare Rates and Save

Find companies with the cheapest rates in your area

Discounts are estimated and may not be available from every company or in every state.

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