Cheapest Car Insurance Quotes in Houston

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Houston Car Insurance

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/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 $1394 for a six-month policy, which is $115 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $861, 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

$1394

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Houston

1st place: Mercury

At $861 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $894 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $900 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, TX is Mercury, offering policies at just $861 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $894.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2674 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, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$861	$144
Texas Farm Bureau	$894	$152
AAA Texas	$900	$150
State Farm	$932	$157
USAA	$1017	$171
Redpoint Insurance	$1062	$181
AAA	$1308	$218
Progressive	$1359	$229
Southern County Mutual	$1405	$234
Allstate	$2927	$493
Farmers	$2674	$455

Key Takeaways

Way's key takeaways about car insurance in Houston

The auto insurance costs in Houston fall around $861 for six months.
The cheapest auto insurance company in Houston is USAA.
Teen drivers pay the highest rate in Houston at $1483 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 $324. Farmers is the most expensive at $1055 for the same period.

Cheapest Liability Coverage in Houston, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$324	$55
Texas Farm Bureau	$337	$58
State Farm	$350	$59
Redpoint Insurance	$363	$62
Mercury	$421	$71
AAA	$467	$80
AAA Texas	$467	$77
Progressive	$480	$81
Allstate	$1010	$170
Farmers	$1055	$175

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 Mercury at $144 per month and $861 for six months.

Cheapest Full Coverage Car Insurance Quotes in Houston, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$861	$144
Texas Farm Bureau	$894	$152
AAA Texas	$900	$150
State Farm	$932	$157
USAA	$1017	$171
Redpoint Insurance	$1062	$181
AAA	$1308	$218
Progressive	$1359	$229
Southern County Mutual	$1405	$234
Allstate	$2927	$493
Farmers	$2674	$455

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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, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Houston, Texas, may be increasing due to several external factors. Texas 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

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Cheapest Car Insurance Rates for Teen Drivers in Houston,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Houston at $63 per month. At $8728 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$370	$63
Southern County Mutual	$480	$80
Mercury	$518	$88
AAA Texas	$590	$98
USAA	$1482	$250
State Farm	$1579	$266
Texas Farm Bureau	$1658	$282
AAA	$2720	$453
Allstate	$4979	$838
Progressive	$6941	$1168
Farmers	$8728	$1483

Teen Car Insurance Rates in TX by Age

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, Mercury is the cheapest car insurance provider. At $564 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 Farmers, offering rates of around $4429 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$564	$94
Foremost	$674	$114
AAA Texas	$718	$120
Dairyland	$835	$142
USAA	$1256	$209
Progressive	$1800	$303
AAA	$2182	$364
Allstate	$5134	$873
State Farm	$6701	$1117
Texas Farm Bureau	$1262	$215
Farmers	$4429	$753

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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, TX, 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 Redpoint Insurance and Southern County Mutual, offering $370 and $447, respectively. Farmers is an expensive provider with an average six-month premium of $7349.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$370	$61
Southern County Mutual	$447	$76
AAA Texas	$693	$116
State Farm	$744	$125
Mercury	$841	$141
USAA	$1075	$181
Texas Farm Bureau	$1398	$233
AAA	$2220	$377
Progressive	$2376	$400
Allstate	$4629	$779
Farmers	$7349	$1249

Houston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Houston TX. For example, the car insurance in Houston after a DUI increases to $855 for a six month policy. While the rate increases by $201 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	$1398	$233
One Med/PIP claim	$1412	$240
One comp claim	$1482	$247
Not-at-fault accident	$1495	$254
Two Med/PIP claims	$1502	$251
Failure to show documents	$1554	$264
Driving with expired registration	$1566	$262
Two comp claims	$1579	$268
Cell phone violation	$1592	$266
Driving without lights	$1592	$270
Texting while driving	$1592	$266
Driving too slowly	$1599	$271
Speeding 11 - 15 MPH over limit	$1599	$267
Speeding 16 - 20 MPH over limit	$1599	$271
Speeding 6 - 10 MPH over limit	$1599	$267
Speeding in school zone	$1599	$271
Child safety restraint	$1606	$268
Failure to wear a seat belt	$1606	$273
In 65 MPH zone	$1612	$269
Failure to stop at a red light	$1619	$276
Failure to yield	$1619	$270
Following too closely	$1619	$276
Illegal turn	$1619	$270
Improper passing	$1619	$276
Speeding 21 - 25 MPH over limit	$1619	$270
Passing school bus	$1625	$277
Wrong way/wrong lane	$1625	$270
Operating a vehicle without permission	$1632	$278
At-fault accident - less than $1000	$1696	$282
Open container	$1910	$325
Driving with a suspended license	$1982	$330
Racing	$2098	$356
Reckless driving	$2098	$350
Leaving scene of an accident/hit and run	$2149	$365
At-fault accident - $1000-$2000	$2156	$360
Refusal to submit to a chemical test	$2220	$377
DUI	$2253	$376
At-fault accident - greater than $2000	$2344	$399

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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 Mercury at $557 for a six-month policy. However, it can be as expensive as $3374 with companies like Farmers.

Houston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$557	$93
Foremost	$628	$107
Dairyland	$687	$114
AAA Texas	$725	$123
State Farm	$952	$160
USAA	$1482	$250
Progressive	$1515	$255
Nationwide	$1832	$312
AAA	$3360	$560
Allstate	$3827	$644
Texas Farm Bureau	$1075	$183
Farmers	$3374	$562

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 Mercury at $577. However, it can be as expensive as $3671 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Houston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$577	$96
State Farm	$595	$100
AAA Texas	$615	$102
USAA	$913	$155
AAA	$2220	$371
Progressive	$2370	$403
Allstate	$3600	$600
Texas Farm Bureau	$557	$95
Farmers	$3671	$625

Car Insurance Price Trends in Houston, Texas

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 remained steady at $235 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Houston remained steady at $76 in both February and January, indicating no change over the two month period.

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Average Car Insurance Cost in Houston by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Houston. At $1408 for a six-month policy, insuring your car at 77070 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
77070	$1408	$236
77071	$1394	$234
77072	$1408	$236
77073	$1408	$236
77030	$1394	$234
77074	$1408	$236
77075	$1408	$236
77031	$1394	$234
77076	$1408	$236
77032	$1394	$234
77033	$1394	$234
77077	$1408	$236
77078	$1394	$234
77034	$1408	$236
77079	$1408	$236
77035	$1408	$236
77036	$1421	$239
77037	$1394	$234
77038	$1408	$236
77039	$1394	$234
77060	$1408	$236
77061	$1394	$234
77062	$1394	$234
77063	$1408	$236
77020	$1394	$234
77064	$1408	$236
77021	$1394	$234
77065	$1408	$236
77066	$1408	$236
77022	$1394	$234
77023	$1394	$234
77067	$1408	$236
77068	$1394	$234
77024	$1408	$236
77069	$1394	$234
77025	$1394	$234
77026	$1394	$234
77027	$1394	$234
77028	$1394	$234
77029	$1394	$234
77090	$1408	$236
77091	$1394	$234
77092	$1408	$236
77093	$1408	$236
77050	$1394	$234
77094	$1394	$234
77051	$1394	$234
77095	$1421	$239
77096	$1408	$236
77053	$1394	$234
77054	$1394	$234
77010	$1394	$234
77098	$1394	$234
77055	$1408	$236
77099	$1408	$236
77011	$1394	$234
77012	$1394	$234
77056	$1394	$234
77013	$1394	$234
77057	$1408	$236
77014	$1408	$236
77058	$1394	$234
77059	$1394	$234
77015	$1408	$236
77016	$1394	$234
77017	$1408	$236
77018	$1394	$234
77019	$1394	$234
77080	$1408	$236
77081	$1408	$236
77082	$1408	$236
77083	$1421	$239
77040	$1408	$236
77084	$1435	$241
77041	$1408	$236
77085	$1394	$234
77086	$1394	$234
77042	$1408	$236
77043	$1394	$234
77087	$1408	$236
77044	$1408	$236
77088	$1408	$236
77089	$1408	$236
77045	$1408	$236
77002	$1394	$234
77046	$1394	$234
77047	$1408	$236
77003	$1394	$234
77004	$1408	$236
77048	$1394	$234
77049	$1408	$236
77005	$1394	$234
77006	$1394	$234
77007	$1408	$236
77008	$1408	$236
77009	$1408	$236

Frequently Asked Questions

How much is car insurance in Houston?

The car insurance in Houston is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Houston?

The cheapest car insurance in Houston is $144 per month for full coverage.

How much is car insurance in Houston for teenagers?

Car insurance for teenagers costs $370 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 $1279 for a six-month policy. It will cost around $234 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.

Cheapest Car Insurance Quotes in Houston

Why you can trust Way?

How Much Is Car Insurance in Houston

Avg. Car Insurance in Houston

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Houston

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Houston Car Insurance Rates by Company

Cheap Car Insurance Companies in Houston, TX

Way's key takeaways about car insurance in Houston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Houston

Cheapest Liability Coverage in Houston, TX

Cheapest Full Coverage Car Insurance in Houston

Cheapest Full Coverage Car Insurance Quotes in Houston, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Houston by Rating Factor

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

Car Insurance Premiums by Age in Houston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Houston,TX

If you are in your twenties N/A is the best choice for car insurance in Houston.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Houston

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

Houston Car Insurance Rates by Violation

Houston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Houston after a DUI

Houston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Houston after Speeding ticket

Car Insurance Price Trends in Houston, Texas

Average Car Insurance Cost in Houston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Houston, TX

Car Insurance Rates by State in the USA (2025 Update)

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