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.
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 (Annual average)||Texas (Annual average)||United States|
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.
|Car insurance company||Average Annual Rate|
Texas drivers in their 60s pay $2,365 per year. Teenage drivers pay the highest insurance premiums of $4,270.
|Age||Average Annual Rate|
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.
|Marital status||Average Annual Rate|
Insurance premiums can be confusing even in the best of circumstances. Car insurance premiums can be affected by a driver's gender.
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.
|Driving Violation||Increased rate|
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.
|Credit Level||Average Annual Rate|
Take a look at the ten most populated ZIP codes in Houston, as well as the average annual cost of car insurance.
|ZIP Code||Average Rate|
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.
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.
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.
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:
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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.com
The average price of car insurance in Texas is $675 per year for minimum coverage. The average cost of full coverage including comprehensive and collision is $1,890 per year.
Compared to other cities in Texas, yes. The average cost of car insurance in Houston is $1,680 per year, higher than the average rate in Texas.
The average cost of car insurance in Houston is $1,680 per year.
In Texas, USAA has the lowest car insurance premiums with $1,430 per year rates.
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