How Much Does Car Insurance Cost in Houston?


Texas premiums surpass the national average by 27%, which is why the state is known for its costly rates. Premiums run even higher in the city, so if you are insuring a vehicle in Houston, saving money is imperative. We've analyzed how auto insurance rates in Houston compare to costs nationwide.


AUTO INSURANCE COSTS: HOUSTON VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$2,133$1,810$1,427


Houston Car Insurance by Gender and Marital Status


Car insurance premiums in Houston can be impacted by driver traits such as marital status and gender. However, females have premiums that are only a bit cheaper than those for males. Did you know that in your city marital status can actually change your premiums substantially? Being single, as opposed to married, can cost you $220 more per year on car insurance. Rates for those who are widowed are also strikingly cheaper than rates for those who are single.


HOUSTON AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,114
Male$2,133
Single$2,133
Married$1,913
Divorced$2,133
Widowed$1,934


Houston Auto Insurance for High-Risk Drivers


Having an untainted driving history is imperative to keep the price of insurance premiums minimal. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Nobody plans on being in an accident, but stuff happens, so be aware of the effect one can have on your rates. $1,077 is what you can expect to add on to your annual insurance premium in Houston if you have an at-fault accident on your driving record. $886 is the extra cost per year for drivers with a DUI in Houston, compared to the city average of $2,133. Reckless driving will also push your rates up, with average rates of $2,942, which are 38% higher than the city average.


AVERAGE HOUSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Insurance Rate
DUI/DWI$3,019
Reckless Driving$2,942
At-fault Accident (damages less than $1,000)$3,210
At-fault Accident (damages greater than $2,000)$3,210
Speeding Ticket (16-20 mph over speed limit)$2,227


Houston Car Insurance Premiums by Age

When drivers reach their 20s in Houston, therefore moving out of the teenage age bracket, they pay $4,382 less in premiums, the largest difference between any age group. In Houston, turning 60 means a rise in insurance rates. Up until then, transitioning from one age group to the next means decreasing prices. Car insurance premiums are highest for teenage drivers, with payments that average $6,974 per year. Drivers in their 50s save money on premiums, as they have the smallest rates among all age groups, paying only $1,816 a year. However, those in their 60s ($1,899) aren’t paying much more.


HOUSTON CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$6,974
20s$2,592
30s$2,100
40s$2,031
50s$1,816
60s$1,899
70s$2,367


Houston Car Insurance by Credit Rating


People with Very Poor credit (300-579) typically pay more than twice as much each year for car insurance than those with Exceptional credit (800-850). The most notable benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $440 per year.


HOUSTON CAR INSURANCE RATES BY CREDIT TIER
CreditAverage Car Insurance Rate
Very Poor$3,735
Fair$3,160
Good$2,619
Very Good$2,207
Exceptional$1,767


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

Car Insurance Companies in Houston

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Kemper Specialty Lamar General Agency Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local Houston Agents

Marek Insurance Agency

6115 FM 2100 Rd Suite 107, Crosby, TX 77532

Associated Insurance Managers

11111 Katy Freeway Houston, TX 77079

Preferred Personal Insurance Agency, LLP

13105 Northwest Fwy Houston, TX 77040

Affiliated Insurance Agents LLC

11601 Katy Freeway Ste 217 Houston, TX 77079

Pasadena Insurance Agency Inc

99 Detering St Ste 280 Houston, TX 77007

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

Avalon Insurance Agency LLC

9660 Hillcroft Houston, TX 77096

Craig Insurance Agency

1020 Bay Area Blvd., Houston, TX 77058

Suzanne Brown Insurance Agency

11999 Katy Fwy #506 Houston, TX 77079

TWFG Insurance Services

10700 Richmond Dr. Ste 281 Houston, TX 79402

Advisor Insurance Group LLC

13831 NW FWY Houston, TX 77040

Texan Insurance

6161 Savoy Dr, Suite 960 Houston, TX 77036

Zuber Insurance Agency Inc

4635 Southwest Freeway Houston, TX 77027

Dean & Draper Insurance Agency, LP

3131 W. Alabama Houston, TX 77098

Tricoast Insurance Services, Inc.

9225 Katy Frwy, #110 Houston, TX 77024

Focus Insurance & Financial Services

1800 Bering Dr Houston, TX 77057

EFG Insurance Agency, Inc.

450 N Sam Houston Parkway E. Houston, TX 77060

ANCO Insurance

16350 Park 10 Place Houston, TX 77084

Douglas B Johnson Insurance Agency LLC

2190 North Loop West Houston, TX 77018

Cadence Insurance

10575 Katy Freeway Houston, TX 77024

Insgroup, Inc.

1455 W. Loop South Houston, TX 77027

Cravens, Warren and Company

10011 West Gulf Bank Houston, TX 77040

Insurance Offices - Texas

711 Bammel Rd Houston, TX 77073

See All

2

$1,668

The average Houstonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-taco

445

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

See How Much You Can Save in Houston

Just enter your zip code to get started

Your information is secure.
Additional Resources:

Houston Car Insurance

Sharing is Caring: How to Share the Road with Cyclists
Sharing is Caring: How to Share the Road with Cyclists
Feb 13, 2018

In recent years, there has been an alarming increase in cyclist fatalities in the U.S., and according to the National...

Get Smart about Sinkholes: Is Your Home Protected?
Get Smart about Sinkholes: Is Your Home Protected?
Nov 08, 2017

There are altogether too many unfortunate scenarios which might cause damage to your home and property, and your home insurance...

Can You Bring a Gun in an Uber?
Can You Bring a Gun in an Uber?
Oct 19, 2017

For many people, when rideshare companies like Uber and Lyft came onto the scene it completely changed how they viewed...

Uber vs. Lyft: Which is Better for Riders and Drivers?
Uber vs. Lyft: Which is Better for Riders and Drivers?
Oct 12, 2017

In 2015, Josh Waldrum from The Zebra did an experiment to see if it was possible to give up your car...

Criminal Background Checks for Rideshare Drivers: Do You Believe in Second Chances?
Criminal Background Checks for Rideshare Drivers: Do You Believe in Second Chances?
Oct 10, 2017

If you knew your Uber or Lyft driver was convicted of a crime, would you still hitch a ride? What...

Is This the End of Car Ownership?
Is This the End of Car Ownership?
Sep 05, 2017

For many, driving a car is a rite of passage. I remember counting down the days until I could walk...

How to Protect Yourself and Your Home Against Wildfires
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017

Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...

Top Insurance Tech Conferences to Attend
Top Insurance Tech Conferences to Attend
Aug 16, 2017

Technology is quickly changing the landscape for many industries, and insurance is no exception. Consumers have access to online resources...

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Work Zone Safety: The Rising Danger Facing Workers AND Drivers
Work Zone Safety: The Rising Danger Facing Workers AND Drivers
Jul 05, 2017

We’re in the peak season for deadly crashes in road-work zones, according to the Federal Highway Administration’s Work Zone Management...

What Questions Do Insurance Agents Get Asked Most? (An Ask-iversary)
What Questions Do Insurance Agents Get Asked Most? (An Ask-iversary)
Jun 23, 2017

Howdy, folks! This week marks the one-year anniversary of The Zebra’s resource for all of your insurance questions: Ask an...

Uber vs. Ambulances: Comparing Price, Safety & Response Time
Uber vs. Ambulances: Comparing Price, Safety & Response Time
Jun 21, 2017

Imagine it’s the middle of the night, and you wake up to intense pain. You’re alone and in no condition...

8 of America’s Favorite Pit Stops: Buc-ee’s vs. Wawa and Beyond
8 of America’s Favorite Pit Stops: Buc-ee’s vs. Wawa and Beyond
May 25, 2017

Picture this: You’re on a road trip, making great time, when all of a sudden you feel a familiar rumble...

Zipcar vs. car2go: Which Car Sharing Service is King?
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017

Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...

3 Tech Innovations That Will (Hopefully) Reduce Traffic
3 Tech Innovations That Will (Hopefully) Reduce Traffic
Apr 04, 2017

If there’s one thing everyone can agree to hate in this world, it’s traffic. People in the United States spend...

#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
Mar 29, 2017

April is Distracted Driving Awareness Month. Here at Quoted, we’ve written about this highly dangerous behavior in great detail. Here...

Everything You Need to Know about Buying a Car from Walmart
Everything You Need to Know about Buying a Car from Walmart
Mar 21, 2017

Soon people all over the U.S. may be able to come home with groceries for the week, new school clothes...

Is Government Disrupting Disruption? Mark Cuban & Adam Lyons Discuss at SXSW
Is Government Disrupting Disruption? Mark Cuban & Adam Lyons Discuss at SXSW
Mar 15, 2017

On Sunday March 12, The Zebra Founder and CEO Adam Lyons joined Mark Cuban, entrepreneur, “Shark Tank” star, Dallas Mavericks...

Sweeten Up Your Sweetheart with a Delightfully Romantic (Driving) Date
Sweeten Up Your Sweetheart with a Delightfully Romantic (Driving) Date
Feb 10, 2017

We know celebrating Valentine’s Day isn’t always the coolest game in town, but we argue that any day with chocolate,...

Uber’s Latest: Should Driverless Cars Require Voter Approval?
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Feb 09, 2017

Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

You Just Paid Off Your Car, Now What?
You Just Paid Off Your Car, Now What?
Nov 30, 2016

Making the last payment on a car loan is a great accomplishment and, for most of us, a welcome relief....

‘Tis the Season to Volunteer (with Your Car)
‘Tis the Season to Volunteer (with Your Car)
Nov 29, 2016

For those looking to keep the spirit of giving alive this holiday season, the old standbys are still excellent: gift...

When Is It Worth It to Pay for More Liability Coverage?
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016

Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...

Does Car Insurance Cover You Out of State?
Does Car Insurance Cover You Out of State?
Nov 14, 2016

Not only do traffic laws vary by state, auto insurance rules and coverage do too. And while the general idea of...