How Much Does Car Insurance Cost in Houston?
Texas premiums surpass the national average by 27%, which is why the state is known for its costly rates. Premiums run even higher in the city, so if you are insuring a vehicle in Houston, saving money is imperative. We've analyzed how auto insurance rates in Houston compare to costs nationwide.
AUTO INSURANCE COSTS: HOUSTON VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Houston Car Insurance by Gender and Marital Status
Car insurance premiums in Houston can be impacted by driver traits such as marital status and gender. However, females have premiums that are only a bit cheaper than those for males. Did you know that in your city marital status can actually change your premiums substantially? Being single, as opposed to married, can cost you $220 more per year on car insurance. Rates for those who are widowed are also strikingly cheaper than rates for those who are single.
HOUSTON AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Houston Auto Insurance for High-Risk Drivers
Having an untainted driving history is imperative to keep the price of insurance premiums minimal. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Nobody plans on being in an accident, but stuff happens, so be aware of the effect one can have on your rates. $1,077 is what you can expect to add on to your annual insurance premium in Houston if you have an at-fault accident on your driving record. $886 is the extra cost per year for drivers with a DUI in Houston, compared to the city average of $2,133. Reckless driving will also push your rates up, with average rates of $2,942, which are 38% higher than the city average.
AVERAGE HOUSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Insurance 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|
Houston Car Insurance Premiums by Age
When drivers reach their 20s in Houston, therefore moving out of the teenage age bracket, they pay $4,382 less in premiums, the largest difference between any age group. In Houston, turning 60 means a rise in insurance rates. Up until then, transitioning from one age group to the next means decreasing prices. Car insurance premiums are highest for teenage drivers, with payments that average $6,974 per year. Drivers in their 50s save money on premiums, as they have the smallest rates among all age groups, paying only $1,816 a year. However, those in their 60s ($1,899) aren’t paying much more.
HOUSTON CAR INSURANCE PREMIUMS BY DRIVER AGE
Houston Car Insurance by Credit Rating
People with Very Poor credit (300-579) typically pay more than twice as much each year for car insurance than those with Exceptional credit (800-850). The most notable benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $440 per year.
HOUSTON CAR INSURANCE RATES BY CREDIT TIER
|Credit||Average Car Insurance 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
Associated Insurance Managers
11111 Katy Freeway Houston, TX 77079
Preferred Personal Insurance Agency, LLP
13105 Northwest Fwy Houston, TX 77040
Affiliated Insurance Agents LLC
11601 Katy Freeway Ste 217 Houston, TX 77079
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
Carroll Insurance Agency, Ltd.
14906 FM 529 Rd Houston, TX 77095
Noveri Insurance Agency
2657 Gessner Dr Houston, TX 77080
Avalon Insurance Agency LLC
9660 Hillcroft Houston, TX 77096
Craig Insurance Agency
1020 Bay Area Blvd., Houston, TX 77058
Suzanne Brown Insurance Agency
11999 Katy Fwy #506 Houston, TX 77079
TWFG Insurance Services
10700 Richmond Dr. Ste 281 Houston, TX 79402
Advisor Insurance Group LLC
13831 NW FWY Houston, TX 77040
6161 Savoy Dr, Suite 960 Houston, TX 77036
Zuber Insurance Agency Inc
4635 Southwest Freeway Houston, TX 77027
Dean & Draper Insurance Agency, LP
3131 W. Alabama Houston, TX 77098
Tricoast Insurance Services, Inc.
9225 Katy Frwy, #110 Houston, TX 77024
Focus Insurance & Financial Services
1800 Bering Dr Houston, TX 77057
EFG Insurance Agency, Inc.
450 N Sam Houston Parkway E. Houston, TX 77060
16350 Park 10 Place Houston, TX 77084
Douglas B Johnson Insurance Agency LLC
2190 North Loop West Houston, TX 77018
10575 Katy Freeway Houston, TX 77024
1455 W. Loop South Houston, TX 77027
Cravens, Warren and Company
10011 West Gulf Bank Houston, TX 77040
Insurance Offices - Texas
711 Bammel Rd Houston, TX 77073
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Houston Car Insurance
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