Houston, TX car insurance

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

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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

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

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

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

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

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

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