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 AverageState AverageNational Average
$2,143$1,792$1,569


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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 ViolationAverage Annual Premium
DUI/DWI$2,956
Reckless Driving$3,026
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 LevelAverage Car Insurance Rate
Very Poor$3,818
Fair$2,484
Good$2,143
Very Good$2,018
Exceptional$1,870


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
AgeAverage Rate
Teenagers$6,937
20s$2,704
30s$2,115
40s$2,053
50s$1,826
60s$1,902
70s$2,077


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/GenderAverage Rate
Female$2,126
Male$2,143
Single$2,143
Married$1,923
Divorced$2,143
Widowed$2,028


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

AssuranceAmerica Bristol West Commonwealth Casualty Dairyland Direct General Elephant Falcon GAINSCO Hallmark Infinity Kemper Auto Lamar General Agency Liberty Mutual Mendota Mercury MetLife Pronto Pronto Flex SafeAuto State Auto The General Travelers

Find Local Houston Agents

Marek Insurance Agency

6115 FM 2100 Rd Suite 107, Crosby, TX 77532

Focus Insurance & Financial Services

1800 Bering Dr Houston, TX 77057

Dean & Draper Insurance Agency, LP

3131 W. Alabama Houston, TX 77098

Preferred Personal Insurance Agency, LLP

13105 Northwest Fwy Houston, TX 77040

Associated Insurance Managers

11111 Katy Freeway Houston, TX 77079

Cravens, Warren and Company

10011 West Gulf Bank Houston, TX 77040

Cadence Insurance

10575 Katy Freeway Houston, TX 77024

ANCO Insurance

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

Craig Insurance Agency

1020 Bay Area Blvd., Houston, TX 77058

Suzanne Brown Insurance Agency

11999 Katy Fwy #506 Houston, TX 77079

Tom Frazier Insurance Agency

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

Douglas B Johnson Insurance Agency LLC

2190 North Loop West Houston, TX 77018

Noveri Insurance Agency

2657 Gessner Dr Houston, TX 77080

Texan Insurance

6161 Savoy Dr, Suite 960 Houston, TX 77036

Advisor Insurance Group LLC

13831 NW FWY Houston, TX 77040

Affiliated Insurance Agents LLC

11601 Katy Freeway Ste 217 Houston, TX 77079

Carroll Insurance Agency, Ltd.

14906 FM 529 Rd Houston, TX 77095

Insgroup, Inc.

1455 W. Loop South Houston, TX 77027

Tricoast Insurance Services, Inc.

9225 Katy Frwy, #110 Houston, TX 77024

Avalon Insurance Agency LLC

9660 Hillcroft Houston, TX 77096

EFG Insurance Agency, Inc.

450 N Sam Houston Parkway E. Houston, TX 77060

Insurance Offices - Texas

711 Bammel Rd Houston, TX 77073

TWFG Insurance Services

10700 Richmond Dr. Ste 281 Houston, TX 79402

See All

2

$1,668

The average Houstonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

445

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

See How Much You Can Save in Houston

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