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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.

Houston Average (per year) Texas Average United States Average
$1,671 $1,415 $1,548

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Houston car insurance rates by company

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.

Insurance Company Average 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.

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.

Age bracket Average 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.

Gender/Marital Status Average 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, 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.

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

Credit Level Average 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.

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

Downtown Parking

Find Local Houston Agents

Marek Insurance Agency

6115 FM 2100 Rd Suite 107, Crosby, TX 77532

Tom Frazier Insurance Agency

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

Zuber Insurance Agency Inc

4635 Southwest Freeway Suite 700, Houston, TX 77027

TWFG Insurance Services

10700 Richmond Dr. Ste 281, Houston, TX 79402

Douglas B Johnson Insurance Agency LLC

2190 North Loop West Suite 400, Houston, TX 77018

Insgroup, Inc.

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

Craig Insurance Agency

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

Cadence Insurance

10575 Katy Freeway Suite 150, Houston, TX 77024

Pasadena Insurance Agency Inc

99 Detering St Ste 280, Houston, TX 77007

Noveri Insurance Agency

2657 Gessner Dr, Houston, TX 77080

Focus Insurance & Financial Services

1800 Bering Dr Ste 900, Houston, TX 77057

Preferred Personal Insurance Agency, LLP

13105 Northwest Fwy # 1230, Houston, TX 77040

EFG Insurance Agency, Inc.

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

Affiliated Insurance Agents LLC

11601 Katy Freeway Ste 217, Houston, TX 77079

Dean & Draper Insurance Agency, LP

3131 W. Alabama Suite 400, Houston, TX 77098

Carroll Insurance Agency, Ltd.

14906 FM 529 Rd, Houston, TX 77095

Texan Insurance

6161 Savoy Dr, Suite 960, Houston, TX 77036

Associated Insurance Managers

11111 Katy Freeway Suite 800, Houston, TX 77079

Suzanne Brown Insurance Agency

11999 Katy Fwy #506, Houston, TX 77079

Avalon Insurance Agency LLC

9660 Hillcroft Ste 240, Houston, TX 77096

Advisor Insurance Group LLC

13831 NW FWY Suite 350, Houston, TX 77040

Cravens, Warren and Company

10011 West Gulf Bank, Houston, TX 77040

Tricoast Insurance Services, Inc.

9225 Katy Frwy, #110, Houston, TX 77024

ANCO Insurance

16350 Park 10 Place Suite 200, Houston, TX 77084

Insurance Offices - Texas

711 Bammel Rd, Houston, TX 77073


The average Houstonian's annual cost of coverage


Our customer's average savings after comparing insurance



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

See How Much You Can Save in Houston

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Does car insurance cost less for a financed or owned car?

To my knowledge, no car insurance companies use ownership of the insured vehicle as a rating factor. The only way your premium would be impacted by having car loan is if the bank or dealership requires you carry additional coverage you wouldn't carry yourself for a vehicle you own.
May 19, 2018 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

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

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.