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 AverageUnited States Average
$1,671$1,415$1,548

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Houston car insurance rates by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Houston, USAA offers the cheapest premiums for the typical insurance buyer. See below the best options for affordable auto insurance in Houston. Don't forget to get car insurance quotes based on your driving profile.


HOUSTON AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
USAA$1,426
GEICO$1,444
State Farm$1,488
Allstate$2,798

Check out our guide to learn how to find the best cheap car insurance.



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.

The Houston drivers 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 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.


HOUSTON AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Yearly Rate
Teens$4,263
20s$2,168
30s$1,645
40s$1,603
50s$1,454
60s$1,508
70s$1,862

Learn more about how age influences auto insurance rates.



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 StatusAverage Annual Rate
Female$1,663
Male$1,671
Single$1,563
Married$1,563
Divorced$1,671
Widowed$1,524

Learn more about how gender and marital status have on insurance rates.



Houston auto insurance costs by citation and accident history


No matter where you live, steering clear of 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
IncidentAverage Annual Rate
DWI/DUI$2,612
Reckless Driving$2,590
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

Learn more about citations' impact on your auto insurance rates.



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 car insurance. In Houston, improving your credit to "Fair" could help you earn $1,455 in savings on insurance premiums each year.


HOUSTON CAR INSURANCE RATES BY CREDIT SCORE
Credit LevelAverage Rate (annual)
Very Poor$3,536
Fair$2,082
Good$1,671
Very Good$1,551
Exceptional$1,372

Get additional information on how credit impacts car insurance costs.



Houston car insurance rates by ZIP Code


An important rating factor when insurance companies determine your premium is your location — down to your specific ZIP code. To an insurer, every ZIP code carries a certain amount of risk, and policies are priced with these local factors in mind.

In the most populous ZIP codes of the Houston area, 77083 is the priciest for auto insurance; this rate is 49% higher than the overall city average of $1,671, and 76% more expensive than the state average. ZIP codes 77084 and 77095 are two locations that typically see lower rates than the city average. See below for average rates for the five most populated Houston ZIP codes.


AVERAGE HOUSTON INSURANCE RATES BY ZIP CODE
ZIP CodeAverage Rate
77084$1,593
77036$1,788
77083$2,488
77095$1,528
77072$1,694


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.

104

Rainy Days a Year

50"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in H-Town

2
Major Highways
U.S. 290 I-10 Loop 610
2
Public Transit
METRO Rail METRO Bus
2
Toll Roads
Sam Houston Tollway Hardy Toll Road Tomball Tollway
2
Popular Day Trips
Guadalupe River Mustang Island Big Bend National Park
2
Parking
City of Houston Parking

Downtown Parking

Car Insurance Companies in Houston

21st Century AAA AFI Access Affirmative Aggressive Insurance Allstate AmWINS Heritage AmWINS Star Amica Mutual Insurance Apparent AssuranceAmerica Bristol West CAIC Cal Casualty Clearcover Commonwealth Casualty Dairyland Direct Auto Elephant Empower Encompass Esurance FIMC Falcon Farmers Foremost GAINSCO GEICO Germania Mutual Hallmark Hippo Infinity Jupiter Auto Kemper Auto Kemper Preferred Lamar General Agency Liberty Mutual Mendota Mercury MetLife Multi-State National General Nationwide Progressive Pronto Pronto Flex Safe Auto Safeco Safeway Insurance Company State Auto State Farm Stillwater Texas Farm Bureau The General The Hartford Titan Travelers UPC USAA Unitrin Windhaven

Find Local Houston Agents

Marek Insurance Agency

6115 FM 2100 Rd Suite 107, Crosby, TX 77532

Focus Insurance & Financial Services

1800 Bering Dr Ste 900, Houston, TX 77057

Pasadena Insurance Agency Inc

99 Detering St Ste 280, Houston, TX 77007

Avalon Insurance Agency LLC

9660 Hillcroft Ste 240, Houston, TX 77096

Insurance Offices - Texas

711 Bammel Rd, Houston, TX 77073

Cravens, Warren and Company

10011 West Gulf Bank, Houston, TX 77040

Suzanne Brown Insurance Agency

11999 Katy Fwy #506, Houston, TX 77079

Tom Frazier Insurance Agency

431 Nursery Rd Ste. C-100, Houston, TX 77380

Carroll Insurance Agency, Ltd.

14906 FM 529 Rd, Houston, TX 77095

Noveri Insurance Agency

2657 Gessner Dr, Houston, TX 77080

Tricoast Insurance Services, Inc.

9225 Katy Frwy, #110, Houston, TX 77024

Douglas B Johnson Insurance Agency LLC

2190 North Loop West Suite 400, Houston, TX 77018

Zuber Insurance Agency Inc

4635 Southwest Freeway Suite 700, Houston, TX 77027

ANCO Insurance

16350 Park 10 Place Suite 200, Houston, TX 77084

Craig Insurance Agency

1020 Bay Area Blvd., Suite 100, Houston, TX 77058

Dean & Draper Insurance Agency, LP

3131 W. Alabama Suite 400, Houston, TX 77098

EFG Insurance Agency, Inc.

450 N Sam Houston Parkway E. Suite 181, Houston, TX 77060

Insgroup, Inc.

1455 W. Loop South 9th Floor, Houston, TX 77027

Affiliated Insurance Agents LLC

11601 Katy Freeway Ste 217, Houston, TX 77079

Advisor Insurance Group LLC

13831 NW FWY Suite 350, Houston, TX 77040

TWFG Insurance Services

10700 Richmond Dr. Ste 281, Houston, TX 79402

Cadence Insurance

10575 Katy Freeway Suite 150, Houston, TX 77024

Texan Insurance

6161 Savoy Dr, Suite 960, Houston, TX 77036

Associated Insurance Managers

11111 Katy Freeway Suite 800, Houston, TX 77079

Preferred Personal Insurance Agency, LLP

13105 Northwest Fwy # 1230, Houston, TX 77040

2

$1,668

The average Houstonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

445

That's equal to 445 tacos or $667 in savings

See How Much You Can Save in Houston

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Recent Questions:

Houston Car Insurance

I let a friend use my car and it ended up totaled. What should I do?

If your vehicle is totaled, you should definitely file a claim and see if your insurance will cover it. If they refuse and your friend (the driver) has renters or homeowners insurance, he may be able to use his liability coverage.

Will my rate go up if I file a claim for a damaged side mirror?

Put simply, any time you file a claim, there is usually a rate increase. Since you don't know who it is that hit you, you would have to go through your own coverage.

If I'm the victim of a hit and run will my rate increase?

The accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs.

Do I claim my stolen vehicle with Lyft or Geico?

This can depend. Most car insurance companies work together with Lyft/Uber in order to provide coverage as long as you have a rideshare endorsement. Below is a break down of how the coverage works.