What's the Cost of Car Insurance in Houston?
Premiums in Texas surpass the national average by $383, which is why the state is recognized for its pricey rates. Premiums run even higher in the city, so in Houston, it is imperative to cut costs while insuring a vehicle. Let's take a look at how car insurance costs in Houston contrast with rates nationwide.
AUTO INSURANCE RATES: HOUSTON VS. STATE/NATIONAL MEAN
|City Average||State Average||National Average|
Houston Car Insurance by Gender and Marital Status
In Houston, many driver attributes, including marital status and gender, can have an effect on car insurance premiums. Did you know that in your city marital status can actually change your premiums substantially? Being married can save you around 10% per year compared to being single or divorced. Rates for those who are widowed are also way cheaper than rates for those who are single. Usually, females have premiums that are a bit cheaper than those for males.
HOUSTON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Houston Car Insurance by Credit Rating
Average car insurance premiums in Houston for individuals with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). The largest benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save around $440 per year.
HOUSTON AUTO INSURANCE RATES BY CREDIT TIER
|Credit Level||Average Rate|
Houston Auto Insurance Rates by Driver Age
Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance rates among any age group, with rates of $1,816 per year. Those in their 60s ($1,899) aren’t paying significantly more. With car insurance payments of $6,974 on average, teenage drivers have the biggest premiums of any age group. The greatest dip in premiums for Houston drivers happens when they reach their 20s. Once out of the teenage age range, people reduce their premiums by $4,382. When drivers turn 60, they will experience a rate increase related to their age for the first time.
HOUSTON AUTO INSURANCE PREMIUMS BY DRIVER AGE
Houston Car Insurance for High-Risk Drivers
Accidents and violations on your driving record can cost you in terms of car insurance premiums. Drivers with a DUI in Houston have rates $886 higher than the city average ($2,133). Reckless driving will push your premiums up as well, with typical rates of $2,942, which are 38% higher than the city average. Even among safe drivers, accidents happen, so be prepared and learn the effect one can have on your rates. For those in Houston with at-fault accidents, $1,077 is the increase that can be expected to annual insurance premiums.
AVERAGE HOUSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|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|
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
Cravens, Warren and Company
10011 West Gulf Bank Houston, TX 77040
Dean & Draper Insurance Agency, LP
3131 W. Alabama Houston, TX 77098
Preferred Personal Insurance Agency, LLP
13105 Northwest Fwy Houston, TX 77040
Carroll Insurance Agency, Ltd.
14906 FM 529 Rd Houston, TX 77095
Associated Insurance Managers
11111 Katy Freeway Houston, TX 77079
Pasadena Insurance Agency Inc
99 Detering St Ste 280 Houston, TX 77007
Affiliated Insurance Agents LLC
11601 Katy Freeway Ste 217 Houston, TX 77079
Tricoast Insurance Services, Inc.
9225 Katy Frwy, #110 Houston, TX 77024
Noveri Insurance Agency
2657 Gessner Dr Houston, TX 77080
16350 Park 10 Place Houston, TX 77084
Tom Frazier Insurance Agency
431 Nursery Rd Ste. C-100 Houston, TX 77380
Zuber Insurance Agency Inc
4635 Southwest Freeway Houston, TX 77027
Craig Insurance Agency
1020 Bay Area Blvd., Houston, TX 77058
Insurance Offices - Texas
711 Bammel Rd Houston, TX 77073
1455 W. Loop South Houston, TX 77027
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
Suzanne Brown Insurance Agency
11999 Katy Fwy #506 Houston, TX 77079
TWFG Insurance Services
10700 Richmond Dr. Ste 281 Houston, TX 79402
6161 Savoy Dr, Suite 960 Houston, TX 77036
Avalon Insurance Agency LLC
9660 Hillcroft Houston, TX 77096
Advisor Insurance Group LLC
13831 NW FWY Houston, TX 77040
Focus Insurance & Financial Services
1800 Bering Dr Houston, TX 77057
10575 Katy Freeway Houston, TX 77024
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