Cheapest Car Insurance Quotes in Houston

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406,175 Policies Sold

Houston Car Insurance

^$ 36

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Houston

The car insurance rate in Houston is $1214 for a six-month policy, which is $130 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $958, making it a popular choice for budget-conscious drivers. Rates in Houston can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Houston

$1214

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Houston

1st place: Progressive

At $958 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1018 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $1104 for six months, making it the third cheapest auto insurance company in Houston.

Houston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Houston, AK is Progressive, offering policies at just $958 for a six-month term. This is followed by USAA, which has an average six-month premium of $1018.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1677 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Houston drivers find the best deals.

Cheap Car Insurance Companies in Houston, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$958	$161
USAA	$1018	$171
State Farm	$1104	$186
Umialik	$1317	$222
Allstate	$1677	$286

Key Takeaways

Way's key takeaways about car insurance in Houston

The auto insurance costs in Houston fall around $958 for six months.
The cheapest auto insurance company in Houston is USAA.
Teen drivers pay the highest rate in Houston at $682 per month.

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Cheapest Minimum Liability Car Insurance in Houston

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Houston are given below.

USAA provides the cheapest minimum car insurance coverage in Houston. Their Average 6 Month Premium is $213. Allstate is the most expensive at $366 for the same period.

Cheapest Liability Coverage in Houston, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$213	$36
Progressive	$312	$53
State Farm	$353	$59
Umialik	$353	$59
Allstate	$366	$62

Cheapest Full Coverage Car Insurance in Houston

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Houston is Progressive at $161 per month and $958 for six months.

Cheapest Full Coverage Car Insurance Quotes in Houston, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$958	$161
USAA	$1018	$171
State Farm	$1104	$186
Umialik	$1317	$222
Allstate	$1677	$286

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Average Car Insurance in Houston by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Houston, AK increasing?

Despite maintaining a clean driving record, your car insurance rates in Houston, Alaska, may be increasing due to several external factors. Alaska has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Houston's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Houston

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$683
30s	USAA	$516
40s	USAA	$477
50s	USAA	$450
60s	USAA	$467
70s	USAA	$572

Cheapest Car Insurance Rates for Teen Drivers in Houston,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Houston at $306 per month. At $4012 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1796	$306
Progressive	$1817	$306
State Farm	$2069	$348
Umialik	$2960	$494
Allstate	$4012	$682

Teen Car Insurance Rates in AK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Houston.

As young drivers face the highest rates in Houston, USAA offers the cheapest auto insurance rates at $683 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Houston, Progressive is the cheapest car insurance provider. At $984 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Houston is State Farm, offering rates of around $4464 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$984	$166
Allstate	$1224	$206
Umialik	$1238	$208
USAA	$1364	$232
State Farm	$4464	$744

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Car Insurance Rates with An Accident in Houston

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Houston, AK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Houston

The cheapest car insurance companies after an at-fault accident in Houston include Umialik and State Farm, offering $659 and $725, respectively. Allstate is an expensive provider with an average six-month premium of $1630.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$659	$111
State Farm	$725	$122
USAA	$731	$123
Progressive	$1064	$179
Allstate	$1630	$274

Houston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Houston AK. For example, the car insurance in Houston after a DUI increases to $566 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Houston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1170	$195
Not-at-fault accident	$1177	$200
One comp claim	$1177	$196
One Med/PIP claim	$1177	$200
Two comp claims	$1177	$196
Two Med/PIP claims	$1177	$200
Failure to show documents	$1277	$213
At-fault accident - less than $1000	$1317	$224
Failure to wear a seat belt	$1344	$224
Child safety restraint	$1357	$231
Driving without lights	$1357	$226
Cell phone violation	$1384	$235
Driving too slowly	$1384	$231
In 65 MPH zone	$1384	$235
Speeding 11 - 15 MPH over limit	$1384	$231
Speeding 16 - 20 MPH over limit	$1384	$235
Speeding 6 - 10 MPH over limit	$1384	$231
Speeding in school zone	$1384	$235
Texting while driving	$1384	$231
Driving with expired registration	$1403	$239
Failure to stop at a red light	$1403	$234
Failure to yield	$1403	$239
Following too closely	$1403	$234
Illegal turn	$1403	$239
Improper passing	$1403	$234
Wrong way/wrong lane	$1403	$239
Speeding 21 - 25 MPH over limit	$1430	$239
Passing school bus	$1444	$245
Operating a vehicle without permission	$1457	$243
Open container	$1570	$267
At-fault accident - $1000-$2000	$1597	$267
At-fault accident - greater than $2000	$1597	$271
Driving with a suspended license	$1663	$278
Refusal to submit to a chemical test	$1670	$284
Reckless driving	$1710	$284
DUI	$1736	$296
Racing	$1830	$305
Leaving scene of an accident/hit and run	$1836	$312

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Houston after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Houston.

The cheapest car insurance premiums in Houston are offered by Umialik at $838 for a six-month policy. However, it can be as expensive as $2275 with companies like Allstate.

Houston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$838	$141
Progressive	$1064	$179
USAA	$1503	$253
State Farm	$1623	$273
Allstate	$2275	$383

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Houston are offered by Umialik at $706. However, it can be as expensive as $1736 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Houston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$706	$119
USAA	$978	$166
State Farm	$1071	$180
Progressive	$1145	$193
Allstate	$1736	$289

Car Insurance Price Trends in Houston, Alaska

Car insurance rates in Houston have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Houston rose by $221 in January compared to $205 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Houston rose to $52 in January, compared to $48 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Houston?

The car insurance in Houston is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Houston?

The cheapest car insurance in Houston is $161 per month for full coverage.

How much is car insurance in Houston for teenagers?

Car insurance for teenagers costs $1796 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Houston?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $205 per month to insure your car in Houston.

Is car insurance expensive in Houston?

Car insurance can be expensive in Houston if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Houston can be affordable.

What is the best car insurance in Houston, AK?

The best car insurance company in Houston AK is Progressive, offering $958 for a six-month policy.