What's the Cost of Car Insurance in Houston?


Premiums in Texas surpass the national average by $383, which is why the state is recognized for its pricey rates. Premiums run even higher in the city, so in Houston, it is imperative to cut costs while insuring a vehicle. Let's take a look at how car insurance costs in Houston contrast with rates nationwide.


AUTO INSURANCE RATES: HOUSTON VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$2,133$1,810$1,427


Houston Car Insurance by Gender and Marital Status


In Houston, many driver attributes, including marital status and gender, can have an effect on car insurance premiums. Did you know that in your city marital status can actually change your premiums substantially? Being married can save you around 10% per year compared to being single or divorced. Rates for those who are widowed are also way cheaper than rates for those who are single. Usually, females have premiums that are a bit cheaper than those for males.


HOUSTON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,114
Male$2,133
Single$2,133
Married$1,913
Divorced$2,133
Widowed$1,934


Houston Car Insurance by Credit Rating


Average car insurance premiums in Houston for individuals with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). The largest benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save around $440 per year.


HOUSTON AUTO INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Rate
Very Poor$3,735
Fair$3,160
Good$2,619
Very Good$2,207
Exceptional$1,767


Houston Auto Insurance Rates by Driver Age

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance rates among any age group, with rates of $1,816 per year. Those in their 60s ($1,899) aren’t paying significantly more. With car insurance payments of $6,974 on average, teenage drivers have the biggest premiums of any age group. The greatest dip in premiums for Houston drivers happens when they reach their 20s. Once out of the teenage age range, people reduce their premiums by $4,382. When drivers turn 60, they will experience a rate increase related to their age for the first time.


HOUSTON AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$6,974
20s$2,592
30s$2,100
40s$2,031
50s$1,816
60s$1,899
70s$2,367


Houston Car Insurance for High-Risk Drivers


Accidents and violations on your driving record can cost you in terms of car insurance premiums. Drivers with a DUI in Houston have rates $886 higher than the city average ($2,133). Reckless driving will push your premiums up as well, with typical rates of $2,942, which are 38% higher than the city average. Even among safe drivers, accidents happen, so be prepared and learn the effect one can have on your rates. For those in Houston with at-fault accidents, $1,077 is the increase that can be expected to annual insurance premiums.


AVERAGE HOUSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Rate
DUI$3,019
Reckless Driving$2,942
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


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 Zip Codes

77201   77011   77016   77076   77078  

Cheap Zip Codes

77095   77070   77005   77339   77489  

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

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

Car Insurance Companies in Houston

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Kemper Specialty Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local Houston Agents

Marek Insurance Agency

6115 FM 2100 Rd Suite 107, Crosby, TX 77532

EFG Insurance Agency, Inc.

450 N Sam Houston Parkway E. Houston, TX 77060

Advisor Insurance Group LLC

13831 NW FWY Houston, TX 77040

Cadence Insurance

10575 Katy Freeway Houston, TX 77024

$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

Click below to get free quotes in seconds!

Start Saving Now!