Who Has the Cheapest Car Insurance Quotes in Houston?
Texas Farm Bureau has the cheapest car insurance in Houston, at $97 per month for full coverage and $40 per month for minimum coverage.
Find Cheap Auto Insurance Quotes in Houston
Best cheap auto insurance in Houston, TX
How we chose the top companies
Best and cheapest car insurance in Houston
- Cheapest full coverage: Texas Farm Bureau, $97/mo
- Cheapest minimum liability: Texas Farm Bureau, $40/mo
- Cheapest for young drivers: Texas Farm Bureau, $79/mo
- Cheapest after a ticket: Texas Farm Bureau, $97/mo
- Cheapest after an accident: State Farm, $154/mo
- Cheapest for teens after a ticket: Texas Farm Bureau, $79/mo
- Cheapest after a DUI: State Farm, $139/mo
- Cheapest for poor credit: Allstate, $196/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Texas Farm Bureau offers the best combination of dependable customer service and affordable quotes in Houston. However, Texas Farm Bureau's online quote process is less user-friendly than most major insurance companies
State Farm is the best choice for Houston drivers who want to quickly compare quotes online. It has good customer service, though it’s usually more expensive than Texas Farm Bureau.
Cheapest car insurance in Houston: State Farm
Texas Farm Bureau has the cheapest full coverage car insurance quotes in Houston.
At $97 per month, full coverage from Texas Farm Bureau is less than half the average cost in Houston. It's also $34 per month less than the second-cheapest option, State Farm.
Find Cheap Auto Insurance Quotes in Houston
The average cost of car insurance in Houston is $224 per month for a full coverage policy. That's $42 per month higher than the Texas state average of $182 per month.
This could be because Houston has higher car theft rates than other parts of Texas , along with severe weather that can damage cars, like flooding and coastal storms.
Best cheap full coverage auto insurance in Houston
Company | Monthly rate | |
|---|---|---|
| Texas Farm Bureau | $97 |
| State Farm | $131 |
| Allstate | $196 |
| Geico | $200 |
| Progressive | $261 |
*USAA is only available to current and former military members and their families.
Cheap liability insurance in Houston, TX: State Farm
Texas Farm Bureau also has the best cheap liability car insurance in Houston, at around $40 per month.
That's less than half the city average, which is $88 per month.
Best cheap liability insurance in Houston, Texas
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $40 |
| State Farm | $56 |
| Progressive | $73 |
| Allstate | $89 |
| Geico | $89 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Houston
Cheap insurance in Houston for teens: Texas Farm Bureau
Texas Farm Bureau has the most affordable car insurance quotes in Houston for teen drivers.
A minimum liability policy from Texas Farm Bureau costs around $79 per month for an 18-year-old driver. That's around a quarter of the citywide average.
Farm Bureau also has the best full coverage car insurance rates for Houston teens. At $164 per month, full coverage from Texas Farm Bureau is nearly a quarter of the average cost in Houston.
Monthly car insurance quotes for teen drivers in Houston
Company | Liability only | Full coverage |
|---|---|---|
| Texas Farm Bureau | $79 | $164 |
| State Farm | $189 | $383 |
| Geico | $228 | $458 |
| Allstate | $294 | $608 |
| Progressive | $386 | $1,291 |
*USAA is only available to current and former military members and their families.
Young drivers in Houston pay three times more for car insurance than older drivers. Teens and young adults have less driving experience, which means they're more likely to cause an accident. This makes them more expensive to insure.
Insurance for teens is expensive, but you can save money by:
- Sharing a policy with your parents. A family policy is typically much cheaper than having two separate policies.
- Comparing rates from several companies. In Houston, the most expensive company for teens costs around ten times as much as the cheapest company. That's a difference of $688 per month for minimum liability insurance and $1,678 per month for full coverage.
- Asking about discounts. Many companies have discounts specifically for young people in school, like a good student discount.
Cheap Houston auto insurance after a speeding ticket: Texas Farm Bureau
Texas Farm Bureau has the cheapest car insurance quotes in Houston for drivers with a speeding ticket. Full coverage from Texas Farm Bureau costs $97 per month after a single speeding ticket. That's just over a third of the citywide average, and $34 per month less than the second-cheapest company, State Farm.
Cheapest car insurance in Houston, TX after a ticket
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $97 |
| State Farm | $131 |
| Allstate | $196 |
| Geico | $241 |
| Progressive | $349 |
*USAA is only available to current and former military members and their families.
Houston car insurance rates go up by 23% after just one speeding ticket. That's an average increase of $51 per month for a full coverage policy.
Cheapest quotes in Houston after an accident: State Farm
State Farm has the most affordable car insurance rates in Houston after an accident, at $154 per month for full coverage. That's nearly one-third what most drivers pay for insurance after an accident in Houston. Texas Farm Bureau is also a good option, at $156 per month.
Cheapest Houston, Texas car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $154 |
| Texas Farm Bureau | $156 |
| Allstate | $210 |
| Geico | $332 |
| Progressive | $416 |
*USAA is only available to current and former military members and their families.
In Houston, auto insurance rates increase by 90% after an at-fault accident, on average.
Don't rush to switch car insurance companies right after your accident. Your rates won't go up until your current policy renews. However, any quotes you get will factor in your accident, so they'll probably be more expensive than your current policy.
Instead, wait until your insurance company sends your renewal notice a few weeks to a month before your policy expires. Then, you should shop around for the best price for you.
Cheapest Houston insurance for teens with a bad driving record: Texas Farm Bureau
Texas Farm Bureau has the most affordable rates for Houston for teens after a speeding ticket or accident.
After a speeding ticket, minimum liability coverage from Texas Farm Bureau costs about $79 per month for an 18-year-old. That's around a quarter of the average rate for teens with a speeding ticket in Houston.
After an accident, Farm Bureau's average rate is $113 per month for young drivers. This is a quarter of the city’s average rate.
Monthly minimum liability quotes for teens after a ticket
Company | Ticket | Accident |
|---|---|---|
| Texas Farm Bureau | $79 | $113 |
| State Farm | $189 | $213 |
| Geico | $255 | $339 |
| Allstate | $294 | $299 |
| Progressive | $393 | $401 |
*USAA is only available to current and former military members and their families.
Car insurance rates for teens increase by around 11% after one speeding ticket, while an accident will raise your rates by 52%.
Cheap insurance in Houston, TX after a DUI: State Farm
State Farm has the best cheap car insurance rates in Houston for drivers with a DUI. A full coverage policy from State Farm costs $139 per month after a DUI, less than half the citywide average.
Best car insurance quotes in Houston, Texas after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $139 |
| Texas Farm Bureau | $188 |
| Allstate | $254 |
| Progressive | $306 |
| Geico | $374 |
*USAA is only available to current and former military members and their families.
A DUI is a serious ticket, which increases your car insurance rates by an average of 41% in Houston. In addition, drivers may need SR-22 insurance in Texas after a DUI, which can make your insurance even more expensive.
The best way to find cheap insurance after a DUI is by comparing quotes from multiple companies. In Houston, there's a difference of $568 per month between the cheapest and most expensive full coverage insurance after a DUI.
Cheapest quotes in Houston for drivers with poor credit: Allstate
Allstate has the cheapest quotes for Houston drivers with poor credit. Full coverage car insurance from Allstate costs $196 per month for these drivers, which is less than half the city average.
Affordable car insurance in Houston for poor credit
Company | Monthly rate |
|---|---|
| Allstate | $196 |
| Texas Farm Bureau | $220 |
| Progressive | $450 |
| Geico | $530 |
| State Farm | $864 |
*USAA is only available to current and former military members and their families.
In Houston, drivers with poor credit pay $259 more per month for full coverage insurance than people with a good credit score.
A bad credit score doesn't have anything to do with your driving ability. However, insurance companies believe drivers with poor credit are more likely to file a claim in the future. This makes them more expensive to insure.
Average car insurance cost in Houston by neighborhood
Drivers living in downtown Houston pay the highest car insurance rates in the city, while those in the Kingwood area have the cheapest rates.
People in the 77339 ZIP code, which includes the Kingwood neighborhood, pay around $191 per month for full coverage insurance. That's $51 per month less than those living in the 77201 ZIP code downtown.
Full coverage quotes by Houston ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 77002 | $205 | -5% |
| 77003 | $216 | 1% |
| 77004 | $218 | 2% |
| 77005 | $198 | -8% |
| 77006 | $200 | -7% |
Minimum car insurance requirements in Texas
In Texas, drivers must have a certain amount of bodily injury liability and property damage liability coverage, which is sometimes referred to as 30/60/25.
Minimum liability requirement in TX
- Bodily injury liability: $30,000 per person, $60,000 per accident
- Property damage liability: $25,000 per accident
Drivers in Texas are also able to buy personal injury protection (PIP). If you don't have good health insurance to cover injuries from a car accident, you should strongly consider PIP for your policy.
What's the best car insurance for Houston drivers?
Full coverage car insurance is the best choice for most Houston drivers.
Full coverage not only meets the state insurance requirements, but it also includes comprehensive and collision coverage. These coverages help pay for damage to your own car.
If you have a car loan or lease, your lender typically requires you to have comprehensive and collision coverage. You should also consider adding these coverages if you own a new or expensive car.
Given Houston’s expensive car insurance rates, a minimum coverage policy might seem like a good way to save money. However, liability insurance won't pay for damage to your own vehicle. So if you get into an expensive crash, you’ll have to pay to repair your car.
In addition, minimum coverage liability limits may not be high enough to cover the other driver's expenses. For example, if you hit and total a brand new pickup truck, $25,000 probably won't be enough to replace it. You'll have to pay the difference out of pocket.
Frequently asked questions
What is the average cost of car insurance in Houston, TX?
The average cost of car insurance in Houston is $88 per month for a minimum coverage policy and $224 per month for full coverage.
Is car insurance high in Houston?
Yes, car insurance in Houston is more expensive than average. A full coverage policy costs $224 per month, which is 23% more expensive than the Texas state average and 28% more than the national average ($182 and $175 per month, respectively).
Why is Houston car insurance so expensive?
Car insurance in Houston is expensive because the city has very high car theft rates, according to the FBI. It also has a history of severe weather. Flooding and high winds from coastal storms can cause expensive damage to cars, which makes insurance in Houston more expensive than average.
Who has the best auto insurance rates in Houston?
Texas Farm Bureau has the cheapest car insurance quotes for most people in Houston. Full coverage insurance from Texas Farm Bureau costs around $97 per month, while minimum liability coverage costs $40 per month. These rates are less than half the citywide average.
Methodology
To find the best cheap car insurance in Houston, TX, ValuePenguin editors compared quotes from seven of the largest insurance companies in Texas. Rates are for a 30-year-old single man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, along with higher liability limits than the state requirement.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.