What's the Average Cost of Car Insurance in Houston?
Texas premiums are 14% greater than the national average, which is why the state is recognized for its pricey rates. Premiums run even higher in the city, so in Houston, it is especially important to save while insuring a vehicle. Let's compare car insurance costs in Houston versus premiums across the nation.
INSURANCE RATES: HOUSTON VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
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Houston Car Insurance by Violation or Accident History
Having a spotless driving record is key to keep your car insurance premiums minimal. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. The value of the damage caused by an accident plays a part in how much insurance rates will rise. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another 17% per year in premiums. Drivers with a DUI in Houston have rates 38% greater than the city average of $2,143. Reckless driving will also bump your premiums up, with average rates of $3,026. That is 41% higher than the city average.
AVERAGE HOUSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,781|
|At-fault Accident (damages greater than $2,000)||$3,267|
|Speeding Ticket (16-20 mph over speed limit)||$2,256|
Houston Auto Insurance by Credit Rating
Improving your credit can save you a good bundle of money. Those in the bottom credit tier (300-579) usually pay 104% more each year for car insurance than those in the top credit tier (800-850). In terms of percent change, shifting from Very Poor (300-579) to Fair (580-669) hands over the largest percent drop in premiums to drivers, as they save around 35% per year.
HOUSTON AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Level||Average Car Insurance Rate|
Houston Car Insurance Premiums by Age
With car insurance payments of $6,937 on average, teenage drivers have the most expensive rates amongst all the age groups. The greatest drop in premiums for Houston drivers happens when they hit their 20s. Once out of the teenage age bracket, drivers save an average of $5,111. Insurance rates for drivers in Houston continue to fall through their 50s, but they can expect to pay more when they hit 60. When you look across all age groups, drivers in their 50s have the smallest car insurance premiums. Their rates usually average $1,826 per year. People in their 60s ($1,902) have premiums that aren't much higher.
HOUSTON CAR INSURANCE RATES BY DRIVER AGE
Houston Car Insurance by Gender and Marital Status
Various driver attributes, including gender and marital status, can influence car insurance premiums in Houston. However, females have premiums that are only a little cheaper than those for males. Believe it or not, marital status has a substantial impact on premiums. You can save an average of 10% per year if you're married as opposed to single or divorced. Rates for those who are widowed are also strikingly cheaper than rates for those who are single.
HOUSTON AUTO INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in H-Town
Major HighwaysU.S. 290 I-10 Loop 610
Toll RoadsSam Houston Tollway Hardy Toll Road Tomball Tollway
Find Local Houston Agents
Marek Insurance Agency
6115 FM 2100 Rd Suite 107, Crosby, TX 77532
Craig Insurance Agency
1020 Bay Area Blvd., Houston, TX 77058
Carroll Insurance Agency, Ltd.
14906 FM 529 Rd Houston, TX 77095
10575 Katy Freeway Houston, TX 77024
Preferred Personal Insurance Agency, LLP
13105 Northwest Fwy Houston, TX 77040
Tom Frazier Insurance Agency
431 Nursery Rd Ste. C-100 Houston, TX 77380
Tricoast Insurance Services, Inc.
9225 Katy Frwy, #110 Houston, TX 77024
Advisor Insurance Group LLC
13831 NW FWY Houston, TX 77040
Focus Insurance & Financial Services
1800 Bering Dr Houston, TX 77057
Suzanne Brown Insurance Agency
11999 Katy Fwy #506 Houston, TX 77079
1455 W. Loop South Houston, TX 77027
Avalon Insurance Agency LLC
9660 Hillcroft Houston, TX 77096
Dean & Draper Insurance Agency, LP
3131 W. Alabama Houston, TX 77098
TWFG Insurance Services
10700 Richmond Dr. Ste 281 Houston, TX 79402
16350 Park 10 Place Houston, TX 77084
Pasadena Insurance Agency Inc
99 Detering St Ste 280 Houston, TX 77007
Zuber Insurance Agency Inc
4635 Southwest Freeway Houston, TX 77027
Noveri Insurance Agency
2657 Gessner Dr Houston, TX 77080
Cravens, Warren and Company
10011 West Gulf Bank Houston, TX 77040
Associated Insurance Managers
11111 Katy Freeway Houston, TX 77079
Insurance Offices - Texas
711 Bammel Rd Houston, TX 77073
6161 Savoy Dr, Suite 960 Houston, TX 77036
Affiliated Insurance Agents LLC
11601 Katy Freeway Ste 217 Houston, TX 77079
Douglas B Johnson Insurance Agency LLC
2190 North Loop West Houston, TX 77018
EFG Insurance Agency, Inc.
450 N Sam Houston Parkway E. Houston, TX 77060
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