State Farm offers the cheapest car insurance in Houston for most drivers, according to QuoteWizard research. State Farm’s average rate for minimum-coverage car insurance in Houston is $126 a month, while its average rate for full coverage is $220 a month.
USAA may be your best option for cheap car insurance in Houston if you’re a current or former member of the military or an eligible relative, though. USAA’s average premium for minimum-coverage car insurance is $69 a month. Its average premium for a full-coverage policy is $133 a month.
In this article
Cheapest car insurance in Houston
State Farm is the best company for cheap liability insurance in Houston if you aren’t associated with the military, with an average rate of $126 a month.
USAA has the best rates in Houston for minimum car insurance — which only includes liability coverage — if you’re a member of the military or an eligible relative. Its average premium is $69 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $828 | $69 |
| State Farm | $1,516 | $126 |
| GEICO | $1,717 | $143 |
| Allstate | $1,758 | $147 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest full-coverage car insurance in Houston
State Farm and USAA offer the cheapest full-coverage car insurance rates to Houston drivers. USAA’s average rate for a full-coverage policy is $133 a month, while State Farm’s average rate is $220 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $1,593 | $133 |
| State Farm | $2,636 | $220 |
| GEICO | $2,915 | $243 |
| Allstate | $3,634 | $303 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Texas state law doesn’t require full-coverage car insurance, but your lender or lessor might. Even if it’s not required, you should get full coverage if your vehicle is new or expensive.
Get cheap car insurance in Houston
Cheapest car insurance for drivers with an accident history in Houston
Houston drivers with an accident on their records should compare car insurance quotes from State Farm and USAA, if they’re eligible. State Farm’s average rate for drivers with an accident history is $311 a month. USAA’s average rate in this situation is $208 a month — though only drivers with ties to the military can buy car insurance from USAA.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $2,499 | $208 |
| State Farm | $3,726 | $311 |
| GEICO | $4,505 | $375 |
| Allstate | $5,645 | $470 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Car accidents typically affect your car insurance rate for three years. If you don’t want to wait that long for your rate to go down, shop around and compare quotes from several companies.
Cheapest car insurance for drivers after a DUI in Houston
Houston drivers with a DUI on their records will find the cheapest car insurance from USAA and State Farm, based on our research. If you qualify, USAA’s average rate of $202 a month after a DUI can’t be beat among Houston providers. For other drivers, State Farm’s average rate of $407 a month is the cheapest.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $2,423 | $202 |
| State Farm | $4,889 | $407 |
| GEICO | $5,090 | $424 |
| Allstate | $5,446 | $454 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Drivers with DUIs on their records generally pay a lot more for car insurance than drivers with clean records do. It often takes three to seven years for a DUI to drop off your driving record. Still, shopping around in the meantime could save you money on your policy.
Cheapest car insurance for drivers with a speeding ticket in Houston
State Farm has the cheapest auto insurance in Houston for most drivers with a speeding ticket on their records at an average rate of $278 a month. Houston drivers with ties to the military should find even cheaper car insurance rates from USAA, though, at an average rate of $150 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $1,800 | $150 |
| State Farm | $3,338 | $278 |
| GEICO | $3,548 | $296 |
| Allstate | $3,634 | $303 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for teen drivers in Houston
GEICO has the cheapest car insurance rates for most teen drivers in Houston, with an average rate of $289 a month for a minimum-coverage policy.
Houston teens who are eligible may get even cheaper rates from USAA, which offers an average rate of $133 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $1,599 | $133 |
| GEICO | $3,470 | $289 |
| Allstate | $4,741 | $395 |
| State Farm | $5,457 | $455 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Teen drivers almost always pay more for car insurance than older drivers. Insurance companies consider teen drivers high risk due to their lack of experience behind the wheel.
Cheapest full-coverage car insurance for teen drivers in Houston
GEICO and USAA are the cheapest car insurance companies in Houston for teen drivers who want full-coverage policies, too. GEICO’s average rate for such teens is $520 a month. USAA’s average rate is less than half that amount, at $255 a month. Only members of the military and certain family members can buy coverage from USAA, though.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $3,059 | $255 |
| GEICO | $6,237 | $520 |
| State Farm | $9,479 | $790 |
| Allstate | $10,983 | $915 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors in Houston
To get cheap car insurance in Houston as a senior driver, make sure you compare quotes from State Farm and USAA. We found State Farm’s average rate for seniors in Houston to be $120 a month, while USAA’s average rate is $66 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $787 | $66 |
| State Farm | $1,437 | $120 |
| Allstate | $1,708 | $142 |
| GEICO | $1,714 | $143 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Seniors usually pay lower car insurance rates than younger drivers do because of their experience on the road. Keep in mind, though, that what you pay for car insurance is based on more than just your age. It is also based on where you live, your driving history and more. If you have incidents like speeding tickets, accidents and DUIs on your driving record, you’ll pay a higher rate than you would otherwise.
Find cheap car insurance no matter your age
Cheapest full-coverage car insurance for seniors in Houston
Most senior drivers in Houston will find State Farm to be the best company for cheap full-coverage car insurance thanks to its average rate of $204 a month. Those who qualify will find even cheaper car insurance coverage from USAA. Its average rate is $119 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| USAA | $1,428 | $119 |
| State Farm | $2,448 | $204 |
| GEICO | $2,763 | $230 |
| Allstate | $3,109 | $259 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Houston car insurance requirements
Houston drivers are required by Texas law to buy 30/60/25 liability car insurance, at a minimum. This means their car insurance policies must include at least:
- $30,000 of bodily injury liability (BIL) coverage per person
- $60,000 of BIL per accident
- $25,000 of property damage liability per accident
Unless they reject it, Houston drivers also need to have at least $30,000 of uninsured motorist bodily injury (UMBI) coverage per person, $60,000 of UMBI per accident and $25,000 of uninsured motorist property damage per accident.
As tempting as it can be to buy just the minimum amount of liability car insurance coverage the state requires, it can also leave you vulnerable. Liability coverage protects other drivers and property. It doesn’t protect you or your vehicle. If you don’t have collision and comprehensive coverage and an accident or other incident damages or destroys your vehicle, you’ll have to pay for repairs out of your own pocket.
Frequently asked questions about car insurance in Houston
How much is car insurance in Houston?
The average car insurance cost in Houston is $1,455 a year for minimum coverage, and $2,694 for full coverage.
You might pay more or less than these amounts if you are older or younger than our sample, 35-year-old driver. Another factor that determines what you pay for car insurance in Houston is your driving record. If you have speeding tickets, accidents or DUIs on your record, you’ll probably pay a higher premium than you would if you had a clean record.
To save money on car insurance in this and other situations, compare quotes from several companies.
How much car insurance do I need in Houston?
Houston drivers, like all drivers in Texas, must have at least 30/60/25 car insurance coverage. This means their car insurance policies need to include $30,000 of bodily injury liability (BIL) coverage per person, $60,000 of BIL per accident and $25,000 of property damage liability per accident.
How can I get cheap car insurance in Houston?
The best company for cheap car insurance in Houston is USAA, with an average rate of $828 a year for a minimum-coverage policy and $1,593 a year for a full-coverage policy.
Only current or former members of the military, or certain family members, can buy car insurance from USAA. If you’re not among that group, State Farm may be your best option for cheap car insurance in Houston. State Farm’s average rate for minimum coverage is $1,516 a year, while its average rate for full coverage is $2,636 a year.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Houston ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Texas’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.