Car Insurance in Houston, TX (June 2023)

Houston is known as the world capital of space exploration, the world capital of the international energy industry and a lot more. This makes the city super populated. With population comes car insurance. Consider yourself lucky if you could find affordable car insurance in Houston.

Whether you live in the downtown or outskirts, Way.com can assist you in getting car insurance where you have got nothing to compromise with. Get a free car insurance quote in Texas today.

How Much Does Car Insurance Cost In Houston?

Houston Rates Vs Texas Vs United States Averages

In Houston, auto insurance costs an average of $1,680 per year, which is higher than the Texas average ($1,425) and higher than the national average of $1,557. Our car insurance guide in Texas includes average rates based on age, credit score, driving history, and marital status.

Houston Auto Insurance Premiums By Company

In Texas, USAA has the lowest premiums for the average insurance buyer. The best cheap car insurance companies in Texas are listed below. Use this reference to look for quotes that are tailored to your specific driving profile.

Houston Auto Insurance Premiums By Age Group

Texas drivers in their 60s pay $2,365 per year. Teenage drivers pay the highest insurance premiums of $4,270.

Houston Auto Insurance Premiums By Marital status

A driver’s marital status will affect car insurance rates. Married drivers and single drivers got the same insurance. In Texas, rates for divorced people are the highest on the list.

Houston Auto Insurance Premiums By Gender

Insurance premiums can be confusing even in the best of circumstances. Car insurance premiums can be affected by a driver's gender.

Houston Auto Insurance Premiums By Driving record

DUI and reckless driving are two of the most expensive citations to receive. Drivers in Texas who are convicted of reckless driving face an increase in insurance rates.

Houston Auto Insurance Premiums By Credit Rating

When Houston drivers improve their credit score from the "Very Poor" tier to the "Excellent" tier (800-850), they can expect to save an average of 60% on their car insurance premiums.

Houston Auto Insurance Premiums By Zip Code

Take a look at the ten most populated ZIP codes in Houston, as well as the average annual cost of car insurance.

What Would Increase Your Car Insurance Rate In Houston?

The most common reasons for an increase in your car insurance premiums are accidents and traffic violations, but other factors, such as moving, purchasing a new vehicle, and claims in your zip code, can also contribute to an increase. Driving violations such as DUIs, speeding tickets and at-fault accidents can increase your insurance costs substantially in Houston.

Auto Theft Statistics In Houston

There has been an increase in gambling equipment violations, theft of a motor vehicle accessory, and weapons law violations since the beginning of 2019. Catalytic converter theft, for example, has reportedly increased by 114%.

According to our 13 investigations, some crimes are down from pre-pandemic levels. Between January and May of last year, there were 3,579 robberies reported to the HPD, compared to 3,372 robberies this year. As a result of the pandemic, auto theft is also down by 29%.

In the first five months of 2019, there were 12,879 reports of car thefts, compared to just 9,164 reports from the last year.

Accidents Statistics In Houston

Over the past five years, Houston has had the most reported crashes in the state, with more than 64,000. There were 297 people killed in 189 fatal crashes, according to the Crashes and Injuries database. There was a total of 1030 suspected serious crashes. Houston had an average of 188 accidents per day.

Useful Info For Driving in Houston

• Wearing a safety belt is mandatory for all passengers, especially those under the age of 17.
• Knowing the current speed limit is critical because it can be altered at any time by the authorities. The city's speed limit is 30 mph, but the motorway speed limit is 70 mph.
• Texas has a BAC limit of 0.08 percent for drivers 21 years of age and older, so don't drink and drive. However, drivers under the age of 21 will face a fine of $500 if they are found to be driving with any amount of alcohol in their system at all.
• Keep in mind that in all intersections, if you are used to driving on the left, you must yield the right-of-way to vehicles approaching from the right. Assuming there are two lanes, you should keep to the middle or left side of the road.
• Parking in Houston's downtown area can cost as much as $40 for the first two hours, which is a lot for a city with so many attractions. As a result, it is preferable to park a little further away from your destination.
• The most expensive toll way in Houston is the Ford Bend Parkway, which charges 53.3 cents per vehicle. Most rental car companies have their own Toll Pass Program, which allows you to drive through electronic toll lanes and your credit card will be charged for the cost of the tolls.

Car Insurance Companies in Houston

If you drive and own a car, you need auto insurance not only for your protection but also because Texas state law requires it. These are the top car insurance companies in Houston: