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How much does car insurance cost in Houston?

Car insurance in Houston costs an average of $1,183 for a six-month policy or $197 per month on average. In 2022, our data shows GEICO is the cheapest car insurance company in Houston with rates at $847 for a six-month policy.

Houstonians pay more than the average for car insurance in Texas ($985 every six months) and more than the national average of $742. In fact, 42% of our customers in Houston admit they're paying too much for their car insurance. If you agree or just need help with your car insurance, read on to learn more about what a fair rate looks like in Houston based on common factors like credit score, coverage level and more.

Car Insurance in Houston vs. Texas Avg. 6 Mo. Premium
Houston Average $1,183
Texas Average $985
Updated: 02/02/23.

The cheapest car insurance companies in Houston

1st place medal
1st place: GEICO

GEICO is the cheapest at $141 per month or $847 for a six-month policy.

2nd place medal
2nd place: State Farm

In second place is State Farm, which costs $155 per month.

3rd place medal
3rd place: Nationwide

Rounding out the list is Nationwide as the third-cheapest insurance company. On average, a Nationwide policy in Houston costs $931 per six-month policy.

The Zebra's key takeaways about car insurance in Houston:

  • The average cost of a car insurance policy in Houston is $1,183 per six-month policy — $197 per month.
  • The cheapest company in Houston is GEICO ($847).
  • Houston ranks as the eighth most expensive city for car insurance in Texas.
  • 42% of Zebra customers in Houston stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Houston car insurance rates by company

According to our data for 2022, the cheapest car insurance company for full coverage in Houston is GEICO at $141 per month or $847 per six-month policy, while the second cheapest is State Farm at $155 per month or $927 for a six-month policy.

Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.

 

Cheapest car insurance companies in Houston, TX
Company Avg. 6 Mo. Premium
GEICO $847
State Farm $927
Nationwide $931
Texas Farm Bureau $963
USAA $1,015
Progressive $1,441
Allstate $1,482
Updated: 02/02/23.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Shop around for the best rates


The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies) to find the best and cheapest car insurance in Houston.

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Average car insurance in Houston by rating factor

Rating factors are details about you that will impact what you pay for car insurance. While most companies use the same rating factors, how much they positively or negatively impact your premium will vary. For instance, some auto companies may place a higher priority on credit scores, 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.

Q: I didn't have an accident — Why is my insurance going up?

A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) is also a major rating factor for how much you will pay for car insurance in Houston. Even if you’ve had no claims with your insurance company, you could still be paying more with a particular insurance company because the price of doing business has increased in Houston.

Auto insurance premiums by age in Houston

Age is one of the most important rating factors when it comes to car insurance. This is because insurance companies use data to determine how likely drivers are to get into accidents, and unfortunately, teen drivers have a higher accident rate than any other age group. As a result, they face the highest insurance premiums: in Houston, the difference in rates paid by teenage drivers and drivers in their 20s is $2,059, the largest such difference between any two age groups for a new car insurance policy.

While this may seem unfair, it's important to remember that insurance companies are in the business of risk management. By charging higher rates for teen drivers, they are able to offset the increased cost of paying claims. In other words, it's not personal; it's just business.

Cheapest car insurance companies for teen drivers in Houston, TX
Company Avg. 6 Mo. Premium
Texas Farm Bureau $1,821
GEICO $2,137
USAA $2,278
State Farm $3,126
Nationwide $3,445
Allstate $6,579
Progressive $6,832
Updated: 02/02/23.
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s GEICO $1,045
30s Texas Farm Bureau $890
40s Nationwide $881
50s Texas Farm Bureau $787
60s Texas Farm Bureau $727
70s Texas Farm Bureau $782

Zebra Tip: The cheapest companies for Houston drivers between 20-40 are GEICO, Texas Farm Bureau and Nationwide


Our data tells us that drivers between the ages of 20-40 make up the bulk of Houston drivers. On average, this group pays $1,286 every six months. By going with these companies, these groups can potentially save 27%.

Auto insurance premiums for minimum coverage in Houston

The level of coverage you choose has a big impact on your car insurance rates. Our data indicates that 31% of Houston drivers have the state minimum coverage. While drivers are only required to have a certain amount of coverage, only having the state minimum coverage level leaves you at risk of being underinsured.

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, experts at The Zebra still recommend carrying such coverage options, as they can go a long way in protecting both you and your vehicle.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

In an analysis of our data, 55% of drivers in Houston have owned vehicles. If you are not leasing or financing your vehicle, you should consider if dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. The general rule of thumb is if your vehicle is worth less than $4,000, you probably don't need collision coverage. Bear in mind, however, that dropping these coverages means that you will have to pay for any repairs out of your own pocket.

Cheapest car insurance companies for minimum coverage in Houston, TX
Company Avg. 6 Mo. Premium
GEICO $329
USAA $377
Texas Farm Bureau $393
Allstate $433
State Farm $444
Nationwide $502
Progressive $545
Updated: 02/02/23.
Coverage Bucket % of The Zebra Customers
Minimum 31%
Basic 50%
Better 27%
Best 10%
  • Minimum: State liability coverage only
  • Basic: State liability + collision and comprehensive (full) coverage
  • Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
  • Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.

Most of our customers in Houston opt for the basic level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Texas' 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Learn more about insurance laws in Texas.

Vehicle Ownership % of The Zebra Customers
Owned 55%
Leased 42%
Financed 3%

Houston car insurance rates by credit score

In most states, including Texas, credit score is a rating factor in determining premiums. There are a few reasons why credit score is a rating factor for auto insurance. Historical data analysis suggests that drivers with lower credit scores are more likely to file claims, have lapses in coverage and engage in risky driving behavior. Since bad credit is associated with higher risk, the poorer your credit, the more you'll pay.

In fact, Houston drivers with poor credit (300-579) pay 107% more than drivers with excellent credit (800-850). Our data tells us most drivers in Houston have an "Average" credit score. In 2022, GEICO is the cheapest option for Houston drivers for this credit range.

car insurance in houston by credit score
Cheapest car insurance companies for bad credit in Houston, TX
Company Avg. 6 Mo. Premium
GEICO $1,313
Nationwide $1,450
Texas Farm Bureau $1,837
State Farm $1,911
USAA $2,019
Allstate $2,257
Progressive $2,524
Updated: 02/02/23.

Zebra Tip: If you recently improved your credit score, shop around for car insurance!


In Houston, our data shows drivers with "Fair" credit pay $1,141 less for car insurance in a year than drivers with "Poor" credit. If you have recently paid off a loan or other credit-improving actions, check your preferred credit monitoring software to see if your recent efforts could save you on your car insurance!

Auto insurance rates with an at-fault accident

At-fault and collision-type accidents are the most common type of insurance claims. In 2022, an at-fault accident raised the average car insurance rates in Houston from $197 to $315 per month. The cheapest insurance company in Houston after an at-fault accident is State Farm.

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 result in rate increases. Depending on the type of accident or ticket, your premium will be impacted for three to five years. Typically, at-fault accidents and speeding tickets will be on your record for three to five years whereas DUIs or DWIs can follow you for longer.

Cheapest car insurance companies after an at-fault accident in Houston, TX
Company Avg. 6 Mo. Premium
State Farm $1,123
GEICO $1,239
Texas Farm Bureau $1,525
Nationwide $1,531
USAA $1,553
Progressive $2,096
Allstate $2,364
Updated: 02/02/23.

Houston car insurance rates by violation

Below you can see how much different violations and claims will increase your rate in Houston.

Car insurance rate increases after violations and citations in Houston, TX
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $1,183 0% $0
One Med/PIP claim $1,193 1% $10
One comp claim $1,258 6% $75
Not-at-fault accident $1,263 7% $81
Failure to show documents $1,265 7% $82
Driving with expired registration $1,275 8% $92
Two Med/PIP claims $1,279 8% $96
Driving without lights $1,283 8% $100
Failure to wear a seat belt $1,284 9% $102
Child safety restraint $1,293 9% $110
Texting while driving $1,317 11% $134
Cell phone violation $1,317 11% $134
Speeding 16 - 20 MPH over limit $1,317 11% $135
Speeding 6 - 10 MPH over limit $1,317 11% $135
Speeding 11 - 15 MPH over limit $1,317 11% $135
Driving too slowly $1,324 12% $141
Speeding in school zone $1,324 12% $141
In 65 MPH zone $1,326 12% $143
Failure to stop at a red light $1,328 12% $145
Two comp claims $1,328 12% $146
Improper passing $1,330 12% $147
Speeding 21 - 25 MPH over limit $1,332 13% $149
Wrong way/wrong lane $1,333 13% $151
Failure to yield $1,337 13% $154
Illegal turn $1,337 13% $154
Following too closely $1,340 13% $157
Passing school bus $1,346 14% $163
Operating a vehicle without permission $1,354 14% $171
At-fault accident - less than $1000 $1,476 25% $293
Driving with a suspended license $1,660 40% $477
Racing $1,662 40% $479
Reckless driving $1,687 43% $504
Open container $1,713 45% $530
Leaving scene of an accident/hit and run $1,718 45% $535
At-fault accident - $1000-$2000 $1,884 59% $701
At-fault accident - greater than $2000 $1,890 60% $708
Refusal to submit to a chemical test $1,933 63% $750
DUI $1,955 65% $772
Updated: 02/02/23.

Why is car insurance in Houston so expensive?

Auto insurance in Houston is expensive for a variety of reasons. One reason is that the cost of living in Houston is high, which means that car insurance companies have to charge more to cover their costs. But there's more to it than that — on top of your coverage level, credit history and driving record, there are other factors that impact your rates.

Below you'll find a rundown of why car insurance is so expensive in Houston — regardless of your driving profile.

Location

Where you live in Houston also affects how much you pay for car insurance. Besides your driving history and credit score, where you live is one of the biggest contributing factors to your insurance premiums.

The reason? 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.

Rates by ZIP code

Expensive Houston ZIP codes: 77076, 77036, 77072, 77078, 77099

Cheap Houston ZIP codes: 77345, 77062, 77339, 77094, 77059

Weather risk

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 — being near the Gulf of Mexico — carries an outsized share of those risks. Because of this risk, it’s expensive for auto insurance companies in Houston to do business. As such, they will raise their rates to anticipate further weather-related losses.

Damage to your vehicle caused by flooding is covered under your comprehensive coverage. If you have a new or nice vehicle, we definitely recommend considering comprehensive coverage as part of your Houston car insurance policy.

clouds and rain

Zebra Tip: Use your comprehensive coverage to protect your vehicle against hurricanes


Damage caused by weather-related events is covered under comprehensive coverage. If you're worried about flooding or other weather-related events damaging your vehicle, consider if this coverage is right for you.

Number of drivers

By any account, Houston is a city of drivers. With more cars on the road, more accidents are inevitable. The costs of accident-related claims are typically passed along to other drivers in the area through higher premiums — even for safe or occasional drivers.

According to our data, about 35% of drivers in Houston are not currently insured — one of the highest percentages in the state. If you’re hit by an uninsured driver in Houston, you could be left paying for the damage yourself.

The Zebra's customers in Houston by insured status
Insured Status % of The Zebra Customers
Currently Insured 65%
Not Currently Insured 35%

Zebra Tip: Consider uninsured property damage coverage


In cities or ZIP codes with high rates of uninsured drivers, we recommend carrying uninsured motorist coverage (also called UMPD). This coverage will provide assistance to you if you or your vehicle are damaged by an underinsured or uninsured driver. This coverage typically has a lower deductible and is cheaper than collision. Plus, the rate increase after a UMPD claim can be hundreds of dollars cheaper than a collision claim.


Bundling insurance policies in Houston

Car insurance prices may be going up nationally, but there are still ways to save. When shopping for a new auto insurance policy, consider bundling your home or renters insurance. By doing this, you can often qualify for a significant discount — you might be able to save 10% or more on your combined premiums. Learn more about bundling home and car insurance.

If you currently have separate policies for your home and car, it's definitely worth shopping around to see if you could save money by bundling them together. In many cases, you'll find that it's well worth the effort.

bundling home and auto insurance in houston
Cheapest car insurance companies for bundling home and auto insurance in Houston, TX
Company Avg. 6 Mo. Premium
State Farm $778
GEICO $793
Nationwide $837
Texas Farm Bureau $877
USAA $929
Progressive $1,216
Allstate $1,241
Updated: 02/02/23.

While some things may be out of your control, drivers can work to make their profiles more appealing to insurers. The best advice we offer is to shop around and compare auto insurance quotes with as many companies as possible to ensure you're getting the most affordable rate that doesn't compromise coverage and service — especially if any personal factors have changed (like moving, celebrating a birthday and improving your credit). Try as you might, some companies are just more expensive than others; don't be afraid to switch.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

The average for a six-month auto insurance policy in Houston is $1,183 for a six-month policy or $197 per month. This is more expensive than the national and Texas state averages.

GEICO is the carrier with the cheapest rates in Houston, coming in at an average of $847 per six-month policy.

Teenagers in Houston pay over $3,500 for a six-month policy or $597 per month. Because car insurance is so expensive for teen drivers who have their own policy, we recommend that young drivers be added to their parents' policies to significantly bring down the cost.


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How much is car insurance near me? — explore more cities near Houston, TX


Recently answered questions about car insurance in Houston from real Zebra customers

Car insurance near me in Houston

Is it legal to change homeowners insurance policies without the approval of all parties on the deed?

As long as you're on the deed, you do not need permission from all parties to change your homeowners insurance if it is in your name. Anyone with a vested interest could also insure the property how they see fit.
Oct 23, 2019 Houston, TX

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.
Jun 18, 2019 Houston, TX

What steps do I need to take to gift a car to my son in Texas?

Here is a simple breakdown of the process in Texas to transfer ownership of the vehicle to your son as a gift: You (the giver) and your son (the recipient) will both need to fill out and sign the "Assignment of Title" section on the vehicle's title. You will both need to fill out and sign the 130-U form (which is the title and registration application) available to print on the state's website.
Aug 20, 2017 Houston, TX

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 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.