Car Insurance in Houston, TX
- Texas Farm Bureau offers the cheapest car insurance in Houston at $162/mo.
- Compare and save on auto insurance in or near Houston, TX with The Zebra.
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How much does car insurance cost in Houston?
Car insurance in Houston averages $1,487 ($248 per month) —more than the average premium in Texas ($1,241) and the national average ($1,084). 42% of our customers in Houston admit they're paying too much for their car insurance.
Texas Farm Bureau is the cheapest option for most drivers looking to save, with full coverage rates around $162 per month.Â
Car insurance quotes in Texas
Texas drivers in and near Houston saved money on car insurance recently using The Zebra:
This quote from GEICO helped a Ford F-150 driver in Temple, TX cut their insurance costs.
Drivers in Peru, TX are getting smart deals on Jeep Compass coverage from Progressive.
Drivers in Sierra Blanca, TX are getting smart deals on Toyota Sienna coverage from Clearcover.
Drivers in Amarillo, TX are getting smart deals on Nissan Maxima coverage from Root Insurance.
This quote from The General helped a Chevrolet Blazer driver in China Spring, TX cut their insurance costs.
Drivers in Arp, TX are getting smart deals on Ford Escape coverage from Dairyland Insurance.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in Houston
In 2026, Texas Farm Bureau offers Houston’s lowest full coverage rates, with full coverage rates around $162 per month. USAA is also a good option for military members and their immediate families.
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 45% of Texas drivers carry only the state’s minimum required coverage. The minimum is enough to drive legally, but it may not be enough to protect your finances after an accident.
Options like roadside assistance or uninsured motorist coverage can also provide peace of mind. They add a small cost but can save you from expensive out-of-pocket bills down the line, which makes them worth considering.
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| Company | Full coverage | State minimum |
|---|---|---|
| Texas Farm Bureau | $975 | $404 |
| USAA | $1,047 | $400 |
| State Farm | $1,070 | $459 |
| National General | $1,095 | $427 |
| GEICO | $1,177 | $465 |
| Progressive | $1,381 | $378 |
| Auto Club | $1,519 | $609 |
| Chubb | $1,818 | $955 |
| Mercury | $2,271 | $526 |
| Encompass | $2,338 | $1,155 |
| Allstate | $2,405 | $982 |
| MetLife | $2,592 | $1,309 |
| Safe Auto | $2,974 | $1,105 |
| Sentry | $3,796 | $1,464 |
Source: The Zebra
"Not typically, car insurance doesn't follow the exact same guidelines as your home insurance policy, where if they see a claim, it's a no-go on that property. A vehicle is movable; it isn't stuck in a hurricane zone forever if you move it. It's still going to be a claim regardless, but it's not going to affect you as much as a home claim would."
-Erick Sosa, Licensed Agent and Manager at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Houston.
Are you paying too much for auto insurance?
Agency Hours in Houston, TX
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Car insurance rates after an accident in Houston
In Houston, an at-fault accident can raise your car insurance by $1,051 for a 6-month policy. GEICO offers the cheapest average rates after an accident, while Travelers is a good alternative.
Keeping a clean driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
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Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,550 | $0 |
| One comp claim | $1,628 | $78 |
| Speeding 16 - 20 MPH over limit | $1,829 | $279 |
| Leaving scene of an accident/hit and run | $2,589 | $1,039 |
| At-Fault Accident | $2,601 | $1,051 |
| DUI | $2,711 | $1,161 |
Source: The Zebra
Why is car insurance in Houston so expensive?
Houston drivers pay higher rates due to a mix of weather risks, the number of drivers, and location.
- Drivers: According to our data, about 35% of drivers in Houston are not currently insured — one of the highest percentages in the state. If an uninsured driver hits you, you could be left paying for the damage yourself.
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Weather: The damage caused by hurricanes and other similar weather-related damage can and has bankrupted insurance companies. Texas is no stranger to extreme weather, and Houston, in particular, carries an outsized share of those risks.
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Location: Crime, theft and uninsured motorists vary by ZIP code. Some areas of the city are more prone to crime, which makes them riskier for insurance companies. If you live in a high-crime area, you will likely pay more for auto insurance than someone who lives in a safer neighborhood.
Insurers determine Houston drivers' individual car insurance rates based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score, and others. Some rating factors may change over time, so getting new quotes occasionally can help you avoid overpaying.
Local insights
Drivers near you in Houston weigh in
"The unaffordability of auto insurance is an issue that meaningfully affects the day-to-day lives of Texas families. It should be a priority for the legislature this session."
-Reddit user on r/Houston[1]
"Insurance prices have doubled in the last year. Person, car, location, and age don’t matter. Check out prices with the same factors you used last year; you will notice a huge difference for the same car, same age, same location, etc. Insurance companies are hiking prices like anything. Consumers really don’t have many options."
-Reddiit user on r/Houston[2]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
Find the best rates for both auto and home insurance in minutes!
Houston car insurance FAQs:
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Anybody else tired of the number of people uninsured?Reddit.com
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Who are you using for car insurance? Reddit.com
Questions from Houston drivers:
What steps do I need to take to gift a car to my son in Texas?
Is it legal to change homeowners insurance policies without the approval of all parties on the deed?
Will Travelers pay for OEM parts if my car needs repairs after an accident?
Will my rate go up if I file a claim for a damaged side mirror?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.