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.

City AverageState AverageNational Average

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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.

Incident or ViolationAverage Annual Premium
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.

Credit LevelAverage Car Insurance Rate
Very Poor$3,818
Very Good$2,018

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.

AgeAverage Rate

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.

Marital Status/GenderAverage 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 Highways
U.S. 290 I-10 Loop 610
Public Transit
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

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

Find Local Houston Agents

Marek Insurance Agency

6115 FM 2100 Rd Suite 107, Crosby, TX 77532

Avalon Insurance Agency LLC

9660 Hillcroft Houston, TX 77096

Associated Insurance Managers

11111 Katy Freeway Houston, TX 77079

Insurance Offices - Texas

711 Bammel Rd Houston, TX 77073

Affiliated Insurance Agents LLC

11601 Katy Freeway Ste 217 Houston, TX 77079

Advisor Insurance Group LLC

13831 NW FWY Houston, TX 77040

Preferred Personal Insurance Agency, LLP

13105 Northwest Fwy Houston, TX 77040

Tricoast Insurance Services, Inc.

9225 Katy Frwy, #110 Houston, TX 77024

Zuber Insurance Agency Inc

4635 Southwest Freeway Houston, TX 77027

ANCO Insurance

16350 Park 10 Place Houston, TX 77084

Focus Insurance & Financial Services

1800 Bering Dr Houston, TX 77057

Carroll Insurance Agency, Ltd.

14906 FM 529 Rd Houston, TX 77095

Cravens, Warren and Company

10011 West Gulf Bank Houston, TX 77040

TWFG Insurance Services

10700 Richmond Dr. Ste 281 Houston, TX 79402

Douglas B Johnson Insurance Agency LLC

2190 North Loop West Houston, TX 77018

Noveri Insurance Agency

2657 Gessner Dr Houston, TX 77080

Tom Frazier Insurance Agency

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

Texan Insurance

6161 Savoy Dr, Suite 960 Houston, TX 77036

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

EFG Insurance Agency, Inc.

450 N Sam Houston Parkway E. Houston, TX 77060

Insgroup, Inc.

1455 W. Loop South Houston, TX 77027

Craig Insurance Agency

1020 Bay Area Blvd., Houston, TX 77058

Pasadena Insurance Agency Inc

99 Detering St Ste 280 Houston, TX 77007



The average Houstonian's annual cost of coverage



Our customer's average savings after comparing insurance



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

See How Much You Can Save in Houston

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Recent Questions:

Houston Car Insurance

Will my rate go up if I file a claim for a damaged side mirror?

Put simply, any time you file a claim, there is usually a rate increase. Since you don't know who it is that hit you, you would have to go through your own coverage.

If I'm the victim of a hit and run will my rate increase?

The accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs.

Do I claim my stolen vehicle with Lyft or Geico?

This can depend. Most car insurance companies work together with Lyft/Uber in order to provide coverage as long as you have a rideshare endorsement. Below is a break down of how the coverage works.

How can I get a not at fault accident charged off my driving record?

If your insurance company has to pay out on a claim, it will impact your rates. If you have uninsured motorist coverage, the accident will only stay on your record for 3 years and will not impact your rates as much as if you don't.

Additional Resources:

Houston Car Insurance

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