Cheapest Car Insurance Quotes in Houston

Finding the cheapest car insurance quotes in Houston shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Houston Car Insurance

^$ 34

/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 $1150 for a six-month policy, which is $123 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

$1150

Avg. Car Insurance in Alaska

$1027

National Average

$1140

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, Western National is the most expensive, with rates reaching $832 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
Western National	$832	$139

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 $105 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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 $199. Western National is the most expensive at $292 for the same period.

Cheapest Liability Coverage in Houston, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$199	$34
Progressive	$292	$49
State Farm	$319	$54
Allstate	$333	$56
Umialik	$333	$56
Western National	$292	$49

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
Western National	$832	$139

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Houston Instantly!

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	$689
30s	USAA	$521
40s	USAA	$482
50s	USAA	$454
60s	USAA	$470
70s	USAA	$577

Cheapest Car Insurance Rates for Teen Drivers in Houston,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Houston at $232 per month. At $618 for a six-month premium, Western National offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1378	$232
USAA	$1590	$265
Umialik	$2528	$430
Progressive	$2561	$431
Allstate	$2720	$463
Western National	$618	$105

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 $689 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, Allstate is the cheapest car insurance provider. At $898 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 Western National, offering rates of around $659 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$898	$151
Progressive	$1064	$179
Umialik	$1084	$183
USAA	$1217	$207
State Farm	$2847	$475
Western National	$659	$110

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Houston.

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 State Farm and Umialik, offering $559 and $592, respectively. Western National is an expensive provider with an average six-month premium of $292.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$559	$94
Umialik	$592	$100
USAA	$672	$113
Allstate	$1045	$176
Progressive	$1124	$189
Western National	$292	$49

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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $772 for a six-month policy. However, it can be as expensive as $292 with companies like Western National.

Houston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$772	$130
Progressive	$1091	$184
State Farm	$1317	$222
USAA	$1424	$240
Allstate	$1936	$326
Western National	$292	$49

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 $606. However, it can be as expensive as $292 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Houston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$606	$102
State Farm	$785	$132
USAA	$832	$139
Allstate	$1138	$194
Progressive	$1145	$193
Western National	$292	$49

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 $205 in December compared to $199 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Houston rose to $48 in December, compared to $46 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Houston?

The car insurance in Houston is $34 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 $1378 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 $1027 for a six-month policy. It will cost around $194 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.