Car Insurance in Houston, TX
- Texas Farm Bureau offers the cheapest car insurance in Houston at $162/mo.
- Compare and save on auto insurance in or near Houston, TX with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Houston at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in Houston?
Car insurance in Houston averages $1,568 ($253 per month) — more expensive than the average premium in Texas ($1,259). In fact, 42% of our customers in Houston admit they're paying too much for their car insurance.
Texas Farm Bureau is the cheapest option for most drivers looking to save, with full coverage rates around $162 per month.
- Texas Farm Bureau offers the cheapest full coverage rates in Houston at $162/mo. For liability the minimum coverage, Texas Farm Bureau is the cheapest option at $67/mo.
- Car insurance in Houston is so expensive primarily because of destructive weather events, heavy traffic congestion, and the high rate of uninsured drivers.
- An at-fault accident in Houston can cause rate hikes of up to $1,051 on a 6 month policy.
Cheap liability and full coverage auto insurance in Houston
As of 2026, Texas Farm Bureau offers Houston’s lowest full coverage rates, with premiums of around $162 per month. For liability coverage, Texas Farm Bureau also has the lowest monthly premium at about $67. USAA is another good option for military members and their immediate families.
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 45% of Texas drivers carry only the state’s minimum required coverage. The minimum is enough to drive legally, but it may not be enough to protect your finances after an accident.
Updating data...
| Company | Full coverage | State minimum |
|---|---|---|
| Texas Farm Bureau | $972 | $403 |
| GEICO | $1,124 | $466 |
| State Farm | $1,125 | $552 |
| USAA | $1,281 | $477 |
| Auto Club | $1,519 | $668 |
| Progressive | $1,801 | $674 |
| Chubb | $1,879 | $1,027 |
| Mercury | $2,177 | $751 |
| Encompass | $2,345 | $1,158 |
| Allstate | $2,539 | $1,073 |
| MetLife | $2,869 | $1,444 |
| Sentry | $2,894 | $1,304 |
Source: The Zebra • Current as of: Jun 11, 2026
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Fetching your estimate
Here at The Zebra, we make it easy for you to find the right coverage—at the right price. We compare top companies so you can find what works for you.
We can also help you:
Why is car insurance in Houston so expensive?
Houston drivers pay higher rates due to a mix of weather risks, the number of drivers, and location.
1. Weather
Texas is no stranger to extreme weather, and Houston, in particular, carries an increased share of those risks. The damage caused by hurricanes and other similar weather-related damage can and has bankrupted insurance companies creating limited coverage availability options for customers.
2. Heavy traffic congestion and urban sprawl:
Collisions on I-10 and the Katy Freeway create daily claims for insurance companies. Unfortunately, for Houston drivers, these claims are often passed back to drivers through higher premiums.
3. Uninsured Drivers
Coupled with heavy congestion, Houston has some of the highest percentage of uninsured drivers in the state. Claims caused by uninsured drivers are often paid through an insured drivers collision or uninsured motorist coverage.
"Not typically, car insurance doesn't follow the exact same guidelines as your home insurance policy, where if they see a claim, it's a no-go on that property. A vehicle is movable; it isn't stuck in a hurricane zone forever if you move it. It's still going to be a claim regardless, but it's not going to affect you as much as a home claim would."
-Erick Sosa, Licensed Agent and Manager at The Zebra
Car insurance rates after an accident in Houston
In Houston, an at-fault accident can raise your car insurance by $1,051 for a 6-month policy. Keeping a clean driving record is the best way to avoid increases.
Premiums can go up after multiple violations such as accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,550 | $0 |
| One comp claim | $1,628 | $78 |
| Speeding 16 - 20 MPH over limit | $1,829 | $279 |
| Leaving scene of an accident/hit and run | $2,589 | $1,039 |
| At-Fault Accident | $2,601 | $1,051 |
| DUI | $2,711 | $1,161 |
Source: The Zebra
Ready to get started?
Texas drivers in and near Houston saved money on car insurance recently using The Zebra:
Drivers in Arlington, TX are getting smart deals on BMW 3 Series coverage from Bristol West.
Drivers in Corpus Christi, TX are getting smart deals on Honda Odyssey coverage from National General.
This quote from Mercury Insurance Group helped a Chevrolet Suburban driver in Wichita Falls, TX cut their insurance costs.
This quote from Root Insurance helped a GMC Yukon driver in Tyler, TX cut their insurance costs.
Our licensed agents guided a driver in Fort Worth, TX find this smart deal on their Honda Odyssey with Clearcover.
Drivers in Abilene, TX are getting smart deals on Acura RDX coverage from The General.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Houston car insurance FAQs:
What Houston drivers want to know about car insurance
Is a police report required when a parked car is hit?
How can I get a not at fault accident charged off my driving record?
What coverage do I need if I hit a deer?
Why did Hippo ask for an inspection after they already gave me a quote?
How much is car insurance near me? — Explore more cities near 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 editorial 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.
