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 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 state | Toyota Camry |
| Cities with Most Speeding Tickets Rank | #162 |
| Cities with Most Suspended Licenses Rank | #78 |
Averages
| Houston Average (per year) | Texas Average | United States Average |
| $1687 | $1420 | $1544 |
Group by Genders
| Gender/Marital Status | Average Annual Rate |
| Female | $1674 |
| Male | $1679 |
| Single | $1557 |
| Married | $1577 |
| Divorced | $1679 |
| Widowed | $1533 |
Violations
| Incident | Average Annual Rate |
| DWI/DUI | $2639 |
| Reckless Driving | $2582 |
| $999 | $2141 |
| $2021 | $2558 |
| Speeding Ticket (16-20 mph over speed limit) | $1811 |
Houston Info
| Major Highways | U.S. 290,I-10,Loop 610 |
| Public Transit | METRO Rail,METRO Bus, |
| Toll Roads | Sam Houston Tollway,Hardy Toll Road,Tomball Tollway |
Houston Zipcodes
- 77001
- 77002
- 77003
- 77004
- 77005
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- 77007
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- 77020
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- 77051
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- 77070
- 77071
- 77072
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- 77077
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- 77201
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- 77210
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- 77215
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- 77221
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- 77224
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- 77226
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- 77230
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- 77260
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- 77294
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- 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.
