Car Insurance in Houston
Premiums in Houston surpass Texas' average by $323, which is why the city is recognized for its expensive premiums, so in Houston, it is especially crucial to cut costs while insuring a vehicle. Keep some money in your pocket by following the tips below about how to save on car insurance in Houston.
- City Average: $2,133
- State Average: $1,810
- National Average: $1,427
Houston Car Insurance by Age
Looking across all age groups, drivers in their 50s tend to have the lowest car insurance payments. Their rates generally average $1,816 per year. However, those in their 60s ($1,899) aren’t paying significantly more. The most significant decline in premiums for Houston drivers happens when they reach their 20s. Once out of the teenage age bracket, people save, on average, $4,382. While premiums for drivers in Houston will continue to shrink through their 50s, they should anticipate a change when they turn 60. Car insurance premiums are highest for teenage drivers, with payments that average $6,974 per year.
- 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
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. The greatest benefit of better credit occurs when boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save around $440 per year.
- Very Poor: $3,735
- Fair: $3,160
- Good: $2,619
- Very Good: $2,207
- Exceptional: $1,767
Houston Car Insurance by Accident or Violation History
Accidents and violations on your record can cost you in terms of prices on car insurance. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. In Houston, individuals who are found at-fault in an accident end up spending 50% more than the city average on car insurance each year. On average, a DUI in Houston will cost you 42% more in car insurance premiums versus the city average ($2,133). Reckless driving will also drive your rates up, with typical rates of $2,942, which are 38% higher than the city average.
- DUI: $3,019
- Reckless Driving: $2,942
- At-fault Accident (damages less than $1000): $3,210
- At-fault Accident (damages greater than $2000): $3,210
- Speeding Ticket (16-20 mph over speed limit): $2,227
Houston Car Insurance by Gender and Marital Status
There are a lot of factors, including gender and marital status, that play a role in car insurance premiums in Houston. However, males have premiums that are only a little more pricey than those for females. Did you know that in your city marital status can actually change your premiums substantially? Being married can save you approximately 10% per year compared to being single. Rates for those who are widowed are also way cheaper than rates for those who are single.
- Female: $2,114
- Male: $2,133
- Single: $2,133
- Married: $1,913
- Divorced: $2,133
- Widowed: $1,934
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
Noveri Insurance Agency
2657 Gessner Dr Houston, TX 77080
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
EFG Insurance Agency, Inc.
450 N Sam Houston Parkway E. Houston, TX 77060
Affiliated Insurance Agents LLC
11601 Katy Freeway Ste 217 Houston, TX 77079
Associated Insurance Managers
11111 Katy Freeway Houston, TX 77079
6161 Savoy Dr, Suite 960 Houston, TX 77036
1455 W. Loop South Houston, TX 77027
Avalon Insurance Agency LLC
9660 Hillcroft Houston, TX 77096
Zuber Insurance Agency Inc
4635 Southwest Freeway Houston, TX 77027
Insurance Offices - Texas
711 Bammel Rd Houston, TX 77073
Douglas B Johnson Insurance Agency LLC
2190 North Loop West Houston, TX 77018
Preferred Personal Insurance Agency, LLP
13105 Northwest Fwy Houston, TX 77040
Craig Insurance Agency
1020 Bay Area Blvd., Houston, TX 77058
10575 Katy Freeway Houston, TX 77024
Advisor Insurance Group LLC
13831 NW FWY Houston, TX 77040
Suzanne Brown Insurance Agency
11999 Katy Fwy #506 Houston, TX 77079
TWFG Insurance Services
10700 Richmond Dr. Ste 281 Houston, TX 79402
16350 Park 10 Place Houston, TX 77084
Dean & Draper Insurance Agency, LP
3131 W. Alabama Houston, TX 77098
Cravens, Warren and Company
10011 West Gulf Bank Houston, TX 77040
Carroll Insurance Agency, Ltd.
14906 FM 529 Rd Houston, TX 77095
Focus Insurance & Financial Services
1800 Bering Dr Houston, TX 77057
Tricoast Insurance Services, Inc.
9225 Katy Frwy, #110 Houston, TX 77024
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