The best car insurance in Houston, TX

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published October 27, 2021

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The average cost for full coverage car insurance in Houston is $2,245 per year. Compared to the Texas state average of $1,840, Houston drivers pay more than $400 more than average.

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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.

Key Takeaways

  • Texas Farm Bureau Insurance has the lowest average rates in Houston at $1,235 per year for full coverage.

  • Drivers in Houston insured through GEICO with a DUI on their record can expect to pay as much as $1,700 more per year for car insurance.

  • The minimum Texas car insurance requirements are $30,000 per person/$60,000 per accident in bodily injury liability and $25,000 in property damage liability per accident.

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

Texas Farm Bureau

$1,235

--

State Farm

$1,379

881

Germania Insurance

$1,380

--

GEICO

$1,711

871

USAA

$1,780

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

77002

$2,228

77003

$2,263

77004

$2,323

77006

$2,138

77007

$2,125

77008

$2,134

77009

$2,203

77010

$2,218

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

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$2,125

$1,666

$1,917

$2,750

$2,882

DUI

$5,308

$2,265

$3,271

$3,046

$2,851

Driving with a suspended license

$2,170

$1,966

$2,594

$3,046

$2,640

Driving with an open container

$5,308

$2,147

$1,481

$3,046

$2,139

Driving with expired registration

$1,344

$1,398

$1,481

$2,042

$2,139

Driving without Lights

$1,344

$1,398

$1,481

$2,042

$2,139

Failure to show documents

$1,344

$1,398

$1,481

$2,042

$2,139

Failure to stop at a red light

$1,344

$1,398

$1,481

$2,042

$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

Germania Insurance

$2,723

State Farm

$2,885

Texas Farm Bureau

$3,096

Auto Club Group

$3,162

Nationwide

$3,199

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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.

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 $1,235 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.

I’m getting divorced. Will my rates change?

Many insurance companies see married couples as less likely to file a claim, so your rates could increase once you’re no longer married. Maintaining a clean driving record is one way to reduce costs.

I was late on my car payment a few times. Will my rates go up?

Your credit score impacts the cost of car insurance. Make too many late payments, of any kind, and your rates could go up.

Methodology

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.