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.

104

Rainy Days a Year

50"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in H-Town

Major Highways
U.S. 290 I-10 Loop 610
Public Transit
METRO Rail METRO Bus
Toll Roads
Sam Houston Tollway Hardy Toll Road Tomball Tollway
Popular Day Trips
Guadalupe River Mustang Island Big Bend National Park

Car Insurance Companies in Houston

Aggressive Insurance Allstate Cal Casualty Elephant Encompass Falcon Foremost GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Liberty Mutual Mercury MetLife Safe Auto The General Travelers

Find Local Houston Agents

Marek Insurance Agency

6115 FM 2100 Rd Suite 107, Crosby, TX 77532

Douglas B Johnson Insurance Agency LLC

2190 North Loop West Houston, TX 77018

TWFG Insurance Services

10700 Richmond Dr. Ste 281 Houston, TX 79402

Insgroup, Inc.

1455 W. Loop South Houston, TX 77027

Affiliated Insurance Agents LLC

11601 Katy Freeway Ste 217 Houston, TX 77079

Preferred Personal Insurance Agency, LLP

13105 Northwest Fwy Houston, TX 77040

ANCO Insurance

16350 Park 10 Place Houston, TX 77084

Texan Insurance

6161 Savoy Dr, Suite 960 Houston, TX 77036

Focus Insurance & Financial Services

1800 Bering Dr Houston, TX 77057

Tricoast Insurance Services, Inc.

9225 Katy Frwy, #110 Houston, TX 77024

Pasadena Insurance Agency Inc

99 Detering St Ste 280 Houston, TX 77007

Avalon Insurance Agency LLC

9660 Hillcroft Houston, TX 77096

Cravens, Warren and Company

10011 West Gulf Bank Houston, TX 77040

EFG Insurance Agency, Inc.

450 N Sam Houston Parkway E. Houston, TX 77060

Carroll Insurance Agency, Ltd.

14906 FM 529 Rd Houston, TX 77095

Craig Insurance Agency

1020 Bay Area Blvd., Houston, TX 77058

Associated Insurance Managers

11111 Katy Freeway Houston, TX 77079

Noveri Insurance Agency

2657 Gessner Dr Houston, TX 77080

Zuber Insurance Agency Inc

4635 Southwest Freeway Houston, TX 77027

Advisor Insurance Group LLC

13831 NW FWY Houston, TX 77040

Insurance Offices - Texas

711 Bammel Rd Houston, TX 77073

Dean & Draper Insurance Agency, LP

3131 W. Alabama Houston, TX 77098

Cadence Insurance

10575 Katy Freeway Houston, TX 77024

Suzanne Brown Insurance Agency

11999 Katy Fwy #506 Houston, TX 77079

Tom Frazier Insurance Agency

431 Nursery Rd Ste. C-100 Houston, TX 77380

See All

Not sure about Houston

Check out these other Texas cities...

San Antonio

Dallas

Austin

Fort Worth

El Paso

Arlington

Corpus Christi

Plano

Laredo

Lubbock

Garland

Irving

$1,668

The average Houstonian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

445

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

See How Much You Can Save in Houston

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Additional Resources:

Houston Car Insurance

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