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Houston Car Insurance

How much does car insurance cost in Houston? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Houston?

Cosmopolitan, urbane, modern -- all are attributes of this big Texas city. Houston could be picked up and moved lock, stock and barrel, to almost any state in the US and flourish with its art museums and music scene, which ranges from classical symphony to the latest beats coming out of the rap and hip-hop labs.

Driving is a necessity in this sprawling city and finding the best auto insurance rate in Houston, Texas, is not confusing once you understand the basics of auto insurance and have a company like SmartFinancial standing by to fast-track your insurance search. After getting the best rate available, you’ve little else to do but some boutique shopping, picking up tickets for a release party, and deciding where to have supper.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Houston typically pay around $137.62 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Texas $115.73
Houston, Texas $137.62

Houston, TX Best Car Insurance Companies

car insurance in Houston

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Houston coming in around $117.93 per month. Other companies to consider if you live in Houston is USAA with an average cost of $121.65 per month and Texas Farm Bureau Group which typically runs around $128.55 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Houston.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $117.931.90%
2 USAA $121.655.11%
3 Texas Farm Bureau Group $128.5511.07%
4 Clearcover $129.8312.18%
5 Direct Auto $144.2224.62%
6 Mercury Insurance $173.1149.58%
7 National General $179.9855.51%
8 SafeAuto $195.3368.77%
9 Esurance $209.2980.83%
10 Chubb $213.4084.39%

How Much is Car Insurance in Houston, TX?

how much is auto insurance in Houston

Rates can vary from city to city. The residents of Austin typically pay $113.26 per month while people who live in Dallas will pay $118.53 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.26
Dallas $118.53
El Paso $106.93
Houston $137.59
San Antonio $118.68

Cheap Car Insurance in Houston by Zip Codes

find cheap auto insurance in Houston

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Houston, TX ZIP CodeAverage Monthly Rate
77001$468.69
77002$123.00
77003$136.48
77004$132.92
77005$145.34
77006$153.88
77007$118.65
77008$115.24
77009$131.68
77010$131.42
77011$135.35
77012$138.07
77013$141.89
77014$136.92
77015$136.40
77016$121.06
77017$127.34
77018$111.26
77019$137.97
77020$124.37
77021$131.74
77022$128.56
77023$141.51
77024$120.46
77025$127.70
77026$139.75
77027$154.57
77028$140.46
77029$127.44
77030$138.24
77031$134.33
77032$150.24
77033$131.00
77034$135.05
77035$137.39
77036$141.08
77037$146.80
77038$154.91
77039$150.33
77040$136.98
77041$140.46
77042$136.66
77043$127.98
77044$138.15
77045$137.59
77046$211.45
77047$146.20
77048$142.10
77049$147.19
77050$141.57
77051$131.50
77053$141.10
77054$132.86
77055$140.02
77056$134.52
77057$127.71
77058$125.60
77059$129.23
77060$147.83
77061$128.78
77062$131.94
77063$132.30
77064$139.31
77065$126.19
77066$140.54
77067$138.51
77068$126.86
77069$146.37
77070$136.83
77071$131.08
77072$140.28
77073$150.23
77074$149.52
77075$145.50
77076$134.96
77077$135.98
77078$134.15
77079$129.13
77080$129.61
77081$145.53
77082$144.89
77083$133.29
77084$144.34
77085$139.78
77086$124.58
77087$125.48
77088$133.93
77089$144.83
77090$142.72
77091$137.42
77092$136.96
77093$145.69
77094$150.32
77095$147.72
77096$128.52
77098$136.00
77099$155.64
77201$100.44
77204$283.52
77207$403.33
77209$50.33
77213$128.71
77215$84.83
77223$105.68
77226$244.50
77228$277.67
77230$89.69
77233$110.07
77243$71.00
77257$67.54
77282$311.33
77289$118.50

Car Insurance Rates by Driver's Age Group in Houston

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $331.08 per month in Houston. Compare that to drivers in their 30’s who typically pay around $117.75 per month drivers in their 40s at $109.90 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$331.08
20s$168.42
30s$117.75
40s$109.90
50s$99.78
60s$100.50
70+$118.25

Cheapest Insurance for Teenage Drivers in Houston

If you are teen in Houston you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $204.83 per month. This is likely the most affordable option in Houston. You might also want to consider State Farm and Texas Farm Bureau Group who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$204.83
State Farm$258.85
Texas Farm Bureau Group$283.97
Direct Auto$348.16
Kemper Auto Premium$356.42

Cheapest Insurance for 20 Year-olds in Houston

20 year-olds in Houston might want to consider USAA who, on average, offers car insurance rates around $147.49 per month. State Farm , Clearcover , Direct Auto and Texas Farm Bureau Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$147.49
State Farm$150.23
Clearcover$160.18
Direct Auto$161.91
Texas Farm Bureau Group$164.86

Cheapest Insurance for 30 Year-olds in Houston

If you are in your 30s in Houston our research has found that State Farm typically has the most affordable coverage coming in around $103.02 per month, followed by USAA at $113.49 and Texas Farm Bureau Group at $115.22.

CompanyAverage Monthly Rate
State Farm$103.02
USAA$113.49
Texas Farm Bureau Group$115.22
Direct Auto$115.24
Clearcover$130.40

Cheapest Insurance for 40 Year-olds in Houston

On average, State Farm offers car insurance for 40 year-olds in Houston for around $100.96 per month. If you are looking for affordable coverage, you may also want to consider USAA or Direct Auto. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$100.96
USAA$103.91
Direct Auto$106.66
Texas Farm Bureau Group$111.44
Clearcover$117.06

Cheapest Insurance for 50 Year-olds in Houston

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Houston we found that State Farm generally offers the most affordable coverage at $91.14 per month.

CompanyAverage Monthly Rate
State Farm$91.14
Texas Farm Bureau Group$93.30
USAA$97.06
Clearcover$103.36
Direct Auto$105.01

Cheapest Insurance for 60 Year-olds in Houston

If you live in Houston and you’re in your 60s, our data indicates that State Farm usually has the best rates at $85.90 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$85.90
Jupiter Auto Insurance$87.80
Texas Farm Bureau Group$93.44
USAA$95.81
Direct Auto$107.93

Driver's Coverage Auto Insurance Rates in Houston, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Houston, the average monthly rate for a driver who is currently insured is $114.31 while drivers who are not currently covered will pay around $150.24.

CoverageAverage Monthly Rate
Not Currently Insured $150.24
Currently Insured $114.31

Compare Recent Car Insurance Quotes in Houston

auto insurance quotes in Houston city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Houston a driver of a 2000 Honda Civic can expect to pay around $86.74 per month while someone that owns a 2000 Honda Civic may pay around $80.87 per month. Check out the list of recent quotes in Houston below.

VehicleAverage Monthly Rate
2000 Honda Civic$86.74
2000 Honda Civic$80.87
2000 Honda Civic$102.80
2000 Honda Civic$120.25
2018 Nissan Sentra$215.97
2018 Nissan Sentra$255.19
2018 Nissan Sentra$244.70
2018 Nissan Sentra$269.23
2015 Nissan Sentra$201.29
2015 Nissan Sentra$227.30

FAQ's for Drivers in Houston, TX

driver’s frequently asked question in Houston

Houston Auto Insurance Requirements

In Houston, you are required to have auto liability insurance coverage.

What Is the Minimum Amount of Liability Coverage Requirement in Houston?

$10,000 for property damage for a single accident. $25,000 for bodily injury and $50,000 for death for a person involved in an accident. $50,000 for bodily injury and $100,000 for death for two or more people in an accident.

What Is the Blood Alcohol Concentration (BAC) Limit in Houston?

In Texas and every other state, the legal blood alcohol content (BAC) level limit is 0.08%. If you have a BAC of 0.08% you are legally considered drunk or intoxicated. A high BAC could result in a DUI or a DWI. If you have a DUI on your record and are seeking lower rates, let SmartFinancial find you the right insurer.

Can I Register My Car Without Insurance in Houston?

Your liability insurance coverage must be in effect while the registration on the car is valid, even if you do not use the car. Your insurance must be issued by a company authorized by the Texas State Department of Financial Services and certified by the Texas State DMV. Your insurance must also be issued in the name of the vehicle registrant and remain in that registrant’s name at all times.

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Commute Time in Houston, TX

27 Miles
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Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Houston, TX

166

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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