How much does car insurance cost in Houston?
Car insurance coverage costs an average of $1,671 each year in Houston. That's more than the average across Texas ($1,415) and pricier than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Houston.
CAR INSURANCE: HOUSTON RATES VS. STATE + NATIONAL AVERAGES
|Houston Average (per year)||Texas Average||United States Average|
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Houston car insurance rates by insurer
The company-by-company differences in rates can be substantial, so it's important to compare auto insurance quotes thoroughly and choose your insurer carefully. Every insurance provider's policies are underwritten with different factors in mind. For instance, some auto insurers may place a higher priority on credit score, while others look more closely at previous claims. Ultimately, the best car insurance company for you could change as you get older or your personal profile changes. This is why it's important to get a quote from time to time to ensure you're still getting the best rates.
Remember that the coverage options that you choose can also impact your rates. On top of your required bodily injury and property damage liability insurance, adding collision coverage or comprehensive coverage (commonly known as "full coverage" when purchased together) can increase your rates dramatically. These coverages typically require a deductible, which can also impact your rates. Simply put, the higher your deductible, the cheaper your rates will be. Also worth considering are add-ons like roadside assistance or uninsured motorist coverage that can protect you against drivers who do not carry auto insurance coverage. While they can add to your overall car insurance premiums, many insurance professionals still recommend carrying such coverage options, as they can go a long way in protecting both you and your vehicle.
Many insurance providers may also offer car insurance discounts. Those looking for cheaper car insurance rates should inquire about such discounts when searching for a new policy.
In Houston, those looking for the cheapest car insurance can look to USAA, though bear in mind that eligibility is restricted to those in the armed forces and their immediate family members. See below the best options for cheap auto insurance in Houston. Don't forget to get free car insurance quotes based on your driving profile.
HOUSTON AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Yearly Rate|
Auto insurance premiums by age in Houston
Houston drivers in their 50s pay relatively affordable car insurance rates just $1,454 each year, on average. Drivers in their 60s pay marginally higher rates — $1,508 per year.
Among Houston drivers, teen drivers are the ones who face the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Houston is to simply age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Houston is $2,095, the largest such difference between any two age groups for a new car insurance policy.
HOUSTON AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age bracket||Average Yearly Rate|
Houston auto insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Houston pay $108 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Houston, widowed drivers pay less than those who are single.
Gender is another factor that can affect auto insurance rates. In Houston, the gap in average auto insurance premiums between genders is $8 per year, with male drivers paying more than female drivers.
HOUSTON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Houston auto insurance costs by citation and accident history
No matter where you live, keeping a clean driving record by avoiding accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Houston drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $920 per year versus the city average. A ticket for speeding results in a $144 rate hike while a DWI or DUI violation costs $941per year in extra insurance expenditures.
AVERAGE HOUSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$2,133|
|At-fault Accident (damages > $2,000)||$2,547|
|Speeding Ticket (16-20 mph over speed limit)||$1,815|
Houston car insurance rates by credit score
Credit score is often closely correlated with car insurance costs. In fact, Houston drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 61% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on your car insurance policy. In Houston, improving your credit to "Fair" could help policyholders earn $1,455 in savings on insurance premiums each year.
HOUSTON CAR INSURANCE RATES BY CREDIT SCORE
|Credit Level||Average Rate (annual)|
What drives up car insurance rates in Houston?
Where you live in Houston affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Houston is no exception to the rule. From ZIP code 77095 to 77078, premiums rise by 22 percent—that’s $326.
Expensive Houston ZIP codes: 77201, 77011, 77016, 77076, 77078
Cheap Houston ZIP codes: 77095, 77070, 77005, 77339, 77489
Houston Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Houston, you can expect 104 rainy days with an annual rainfall of 49.8 inches. Houston is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in H-Town
Major HighwaysU.S. 290 I-10 Loop 610
Toll RoadsSam Houston Tollway Hardy Toll Road Tomball Tollway
Car Insurance Companies in Houston
Find Local Houston Agents
Marek Insurance Agency
6115 FM 2100 Rd Suite 107, Crosby, TX 77532
Craig Insurance Agency
1020 Bay Area Blvd., Suite 100, Houston, TX 77058
6161 Savoy Dr, Suite 960, Houston, TX 77036
16350 Park 10 Place Suite 200, Houston, TX 77084
Noveri Insurance Agency
2657 Gessner Dr, Houston, TX 77080
Carroll Insurance Agency, Ltd.
14906 FM 529 Rd, Houston, TX 77095
Preferred Personal Insurance Agency, LLP
13105 Northwest Fwy # 1230, Houston, TX 77040
Focus Insurance & Financial Services
1800 Bering Dr Ste 900, Houston, TX 77057
EFG Insurance Agency, Inc.
450 N Sam Houston Parkway E. Suite 181, Houston, TX 77060
Suzanne Brown Insurance Agency
11999 Katy Fwy #506, Houston, TX 77079
Zuber Insurance Agency Inc
4635 Southwest Freeway Suite 700, Houston, TX 77027
Avalon Insurance Agency LLC
9660 Hillcroft Ste 240, Houston, TX 77096
Dean & Draper Insurance Agency, LP
3131 W. Alabama Suite 400, Houston, TX 77098
Douglas B Johnson Insurance Agency LLC
2190 North Loop West Suite 400, Houston, TX 77018
TWFG Insurance Services
10700 Richmond Dr. Ste 281, Houston, TX 79402
Insurance Offices - Texas
711 Bammel Rd, Houston, TX 77073
Advisor Insurance Group LLC
13831 NW FWY Suite 350, Houston, TX 77040
Pasadena Insurance Agency Inc
99 Detering St Ste 280, Houston, TX 77007
10575 Katy Freeway Suite 150, Houston, TX 77024
Affiliated Insurance Agents LLC
11601 Katy Freeway Ste 217, Houston, TX 77079
Associated Insurance Managers
11111 Katy Freeway Suite 800, Houston, TX 77079
Cravens, Warren and Company
10011 West Gulf Bank, Houston, TX 77040
Tom Frazier Insurance Agency
431 Nursery Rd Ste. C-100, Houston, TX 77380
Tricoast Insurance Services, Inc.
9225 Katy Frwy, #110, Houston, TX 77024
1455 W. Loop South 9th Floor, Houston, TX 77027
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