Cheapest Car Insurance Quotes in Houston

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Houston Car Insurance

^$ 55

/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 $1417 for a six-month policy, which is $301 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $845, 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

$1417

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Houston

1st place: Texas Farm Bureau

At $845 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1003 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 $1034 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 Texas Farm Bureau, offering policies at just $845 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1003.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1358 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
Texas Farm Bureau	$845	$142
Mercury	$1003	$170
State Farm	$1034	$174
AAA Texas	$1049	$178
USAA	$1154	$194
Redpoint Insurance	$1237	$211
Progressive	$1426	$240
Southern County Mutual	$1637	$278
Allstate	$1947	$328
Farmers	$3115	$530
Redpoint County Mutual	$1214	$207
Geico County Mutual	$1358	$231

Key Takeaways

Way's key takeaways about car insurance in Houston

The auto insurance costs in Houston fall around $845 for six months.
The cheapest auto insurance company in Houston is Texas Farm Bureau.
Teen drivers pay the highest rate in Houston at $93 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.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Houston. Their Average 6 Month Premium is $324. Geico County Mutual is the most expensive at $423 for the same period.

Cheapest Liability Coverage in Houston, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$324	$55
USAA	$362	$61
Progressive	$377	$64
State Farm	$385	$65
Redpoint Insurance	$423	$70
Mercury	$490	$83
AAA Texas	$544	$90
Allstate	$747	$126
Farmers	$1229	$204
Redpoint County Mutual	$408	$67
Geico County Mutual	$423	$72

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 Texas Farm Bureau at $142 per month and $845 for six months.

Cheapest Full Coverage Car Insurance Quotes in Houston, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$845	$142
Mercury	$1003	$170
State Farm	$1034	$174
AAA Texas	$1049	$178
USAA	$1154	$194
Redpoint Insurance	$1237	$211
Progressive	$1426	$240
Southern County Mutual	$1637	$278
Allstate	$1947	$328
Farmers	$3115	$530
Redpoint County Mutual	$1214	$207
Geico County Mutual	$1358	$231

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$888
40s	Nationwide	$881
50s	Texas Farm Bureau	$786
60s	Texas Farm Bureau	$726
70s	Texas Farm Bureau	$780

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 $71 per month. At $559 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$431	$71
Southern County Mutual	$559	$95
Mercury	$603	$100
AAA Texas	$687	$117
Texas Farm Bureau	$1501	$253
USAA	$1637	$276
State Farm	$1698	$286
Allstate	$4262	$718
Progressive	$7272	$1224
Farmers	$10169	$1728
Redpoint County Mutual	$415	$71
Geico County Mutual	$559	$93

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Houston.

As young drivers face the highest rates in Houston, Texas Farm Bureau offers the cheapest auto insurance rates at $888 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, Mercury is the cheapest car insurance provider. At $657 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 $5696 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$657	$112
Foremost	$785	$131
AAA Texas	$837	$142
Dairyland	$973	$163
Allstate	$1275	$217
USAA	$1306	$217
Texas Farm Bureau	$1471	$250
Progressive	$2037	$343
Farmers	$5160	$878
State Farm	$5696	$949

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, 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 $431 and $521, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $521.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$431	$71
Southern County Mutual	$521	$89
State Farm	$800	$135
AAA Texas	$808	$137
Mercury	$980	$164
USAA	$1199	$202
Texas Farm Bureau	$1327	$224
Progressive	$2466	$415
Allstate	$2776	$467
Farmers	$8562	$1455
Redpoint County Mutual	$415	$69
Geico County Mutual	$521	$89

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 $996 for a six month policy. While the rate increases by $234 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	$1629	$272
One Med/PIP claim	$1645	$279
One comp claim	$1727	$288
Not-at-fault accident	$1742	$296
Two Med/PIP claims	$1750	$292
Failure to show documents	$1811	$307
Driving with expired registration	$1825	$305
Two comp claims	$1840	$312
Cell phone violation	$1855	$310
Driving without lights	$1855	$315
Texting while driving	$1855	$310
Driving too slowly	$1863	$316
Speeding 11 - 15 MPH over limit	$1863	$311
Speeding 16 - 20 MPH over limit	$1863	$316
Speeding 6 - 10 MPH over limit	$1863	$311
Speeding in school zone	$1863	$316
Child safety restraint	$1871	$312
Failure to wear a seat belt	$1871	$318
In 65 MPH zone	$1878	$314
Failure to stop at a red light	$1886	$321
Failure to yield	$1886	$315
Following too closely	$1886	$321
Illegal turn	$1886	$315
Improper passing	$1886	$321
Speeding 21 - 25 MPH over limit	$1886	$315
Passing school bus	$1894	$323
Wrong way/wrong lane	$1894	$315
Operating a vehicle without permission	$1901	$324
At-fault accident - less than $1000	$1976	$329
Open container	$2225	$378
Driving with a suspended license	$2309	$385
Racing	$2445	$415
Reckless driving	$2445	$408
Leaving scene of an accident/hit and run	$2504	$425
At-fault accident - $1000-$2000	$2512	$419
Refusal to submit to a chemical test	$2587	$439
DUI	$2625	$438
At-fault accident - greater than $2000	$2731	$465

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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 $649 for a six-month policy. However, it can be as expensive as $3931 with companies like Farmers.

Houston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$649	$108
Foremost	$732	$124
Dairyland	$800	$133
AAA Texas	$845	$144
State Farm	$1057	$178
Texas Farm Bureau	$1252	$213
Progressive	$1584	$267
USAA	$1622	$273
Allstate	$2068	$348
Nationwide	$2135	$363
Farmers	$3931	$655

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 State Farm at $588. However, it can be as expensive as $4277 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
State Farm	$588	$99
Texas Farm Bureau	$649	$110
Mercury	$672	$112
AAA Texas	$716	$122
USAA	$944	$157
Allstate	$1275	$217
Progressive	$2196	$366
Farmers	$4277	$728

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 $263 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Houston remained steady at $81 in both January and December, 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 $1431 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	$1431	$242
77071	$1417	$240
77072	$1431	$242
77073	$1431	$242
77030	$1417	$240
77074	$1431	$242
77075	$1431	$242
77031	$1417	$240
77076	$1431	$242
77032	$1417	$240
77033	$1417	$240
77077	$1431	$242
77078	$1417	$240
77034	$1431	$242
77079	$1431	$242
77035	$1431	$242
77036	$1445	$244
77037	$1417	$240
77038	$1431	$242
77039	$1417	$240
77060	$1431	$242
77061	$1417	$240
77062	$1417	$240
77063	$1431	$242
77020	$1417	$240
77064	$1431	$242
77021	$1417	$240
77065	$1431	$242
77066	$1431	$242
77022	$1417	$240
77023	$1417	$240
77067	$1431	$242
77068	$1417	$240
77024	$1431	$242
77069	$1417	$240
77025	$1417	$240
77026	$1417	$240
77027	$1417	$240
77028	$1417	$240
77029	$1417	$240
77090	$1431	$242
77091	$1417	$240
77092	$1431	$242
77093	$1431	$242
77050	$1417	$240
77094	$1417	$240
77051	$1417	$240
77095	$1445	$244
77096	$1431	$242
77053	$1417	$240
77054	$1417	$240
77010	$1417	$240
77098	$1417	$240
77055	$1431	$242
77099	$1431	$242
77011	$1417	$240
77012	$1417	$240
77056	$1417	$240
77013	$1417	$240
77057	$1431	$242
77014	$1431	$242
77058	$1417	$240
77059	$1417	$240
77015	$1431	$242
77016	$1417	$240
77017	$1431	$242
77018	$1417	$240
77019	$1417	$240
77080	$1431	$242
77081	$1431	$242
77082	$1431	$242
77083	$1445	$244
77040	$1431	$242
77084	$1459	$247
77041	$1431	$242
77085	$1417	$240
77086	$1417	$240
77042	$1431	$242
77043	$1417	$240
77087	$1431	$242
77044	$1431	$242
77088	$1431	$242
77089	$1431	$242
77045	$1431	$242
77002	$1417	$240
77046	$1417	$240
77047	$1431	$242
77003	$1417	$240
77004	$1431	$242
77048	$1417	$240
77049	$1431	$242
77005	$1417	$240
77006	$1417	$240
77007	$1431	$242
77008	$1431	$242
77009	$1431	$242

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 $142 per month for full coverage.

How much is car insurance in Houston for teenagers?

Car insurance for teenagers costs $431 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 $1116 for a six-month policy. It will cost around $240 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: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

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 Texas Farm Bureau 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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