Key Takeaways
- The most affordable car insurance provider is GEICO, which offers minimum coverage for $88 a month and full coverage for $159 a month.
- For full coverage, Texas drivers pay $430 a month on average, which is more than the national average of $369.
- GEICO is the cheapest insurance company for young drivers.
- Allstate is the cheapest option for drivers with bad credit.
In this article
The cheapest car insurance companies in Houston, TX
GEICO is the cheapest car insurance company for most Houston drivers. It has the best deals on rates for:
- Drivers with prior incidents
- Senior drivers
- Teen drivers
- Married drivers
GEICO may or may not be the cheapest car insurance company for you. This is because rates are based on several factors, including the car you drive, your driving record, your policy’s deductible and more.
The best way to get your cheapest rate is to compare car insurance quotes from a number of companies.
Texas car insurance state minimums
All Texas drivers must meet the state’s required minimums for liability coverage. Those coverages are broken down into what’s known as 30/60/25 coverage:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
Additionally, Texas drivers may add coverages for:
- Uninsured or underinsured motorists
- Personal injury protection (PIP)
- Towing costs and rental fees
Cheapest minimum-coverage auto insurance rates in Houston, TX: GEICO
GEICO has the cheapest minimum-coverage auto insurance rates for most drivers in Houston, offering an average monthly premium of $88. USAA offers a better deal — $60 a month — but only for military members and their families.
In Houston, the average minimum-coverage policy costs $91 a month. GEICO is the only provider with an average rate below that amount.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $88 |
| Allstate | $107 |
| State Farm | $110 |
| USAA | $60 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Get cheap car insurance in Houston
Cheapest full-coverage auto insurance rates in Houston: GEICO
The best full-coverage car insurance rates come from GEICO. On average, the company charges Houston drivers $159 a month.
Houston’s average cost for full coverage is $173 a month. That means GEICO offers a discount of around 8%.
Full-coverage car insurance generally refers to policies that have comprehensive and collision coverages, in addition to meeting the state-required liability minimums. No state requires full coverage, but some lenders and lessors might — and it’s never a bad idea for those with new or expensive vehicles.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $159 |
| State Farm | $202 |
| Allstate | $215 |
| USAA | $114 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest car insurance in Houston for drivers with bad credit: Allstate
Allstate has the cheapest car insurance for Houston drivers with bad credit, charging $309 a month for full coverage.
It may seem surprising, but a bad credit score can impact your premium. Some insurers consider drivers with bad credit to be less reliable, a belief supported by data from government groups like the Federal Trade Commission.
| Insurance company | Monthly rate |
|---|---|
| Allstate | $309 |
| GEICO | $441 |
| State Farm | $1,251 |
| USAA | $200 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
Drivers with a prior incident like an accident or speeding ticket on their record should head to GEICO for cheap car insurance. GEICO leads the way among rates for drivers with speeding tickets, accidents or DUIs.
Cheapest for drivers with a speeding ticket: GEICO
GEICO leads the way on car insurance rates for drivers with a speeding ticket on their record, charging an average of $189 a month.
In most states, a speeding ticket can majorly impact your premium. Our data shows that, nationwide, speeding tickets increase a driver’s monthly costs by 20%.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $189 |
| Allstate | $215 |
| State Farm | $257 |
| USAA | $129 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: GEICO
Drivers with an at-fault accident should head to GEICO, where the average full-coverage premium amounts to $256 a month.
Accidents can increase a driver’s monthly car insurance rate — even more so than a speeding ticket. In fact, our data shows that a single at-fault accident increases a driver’s premium by an average of 45%.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $256 |
| State Farm | $285 |
| Allstate | $340 |
| USAA | $178 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: GEICO
GEICO leads the way again for drivers with a DUI, charging a monthly rate of $290.
Among the most common driving incidents, DUIs tend to have the biggest impact on car insurance rates. On average, a DUI increases the cost of full-coverage insurance by 74%.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $290 |
| Allstate | $330 |
| State Farm | $370 |
| USAA | $172 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Compare auto insurance quotes from top providers
Cheapest car insurance for senior drivers: GEICO
Seniors looking for cheap car insurance in Houston should turn to GEICO for the best rate. There, they’ll find an average monthly cost of $151.
Seniors are typically considered trustworthy drivers and can therefore find better deals on car insurance than younger adults.
In Houston, this is evident in the policies from GEICO, the cheapest insurer for both groups. For 35-year-olds, GEICO charges an average of $159 a month. For seniors, the company charges just $151.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $151 |
| State Farm | $187 |
| Allstate | $201 |
| USAA | $109 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Cheapest car insurance for young drivers: GEICO
GEICO also charges the cheapest car insurance rates for young drivers in Houston, at an average $342 a month for full coverage. Its average rate of $175 a month for minimum coverage also is the city’s cheapest.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| GEICO | $175 | $342 |
| State Farm | $352 | $644 |
| Allstate | $383 | $819 |
| USAA | $110 | $212 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Cheapest car insurance for married drivers: GEICO
Married drivers in Houston will find the cheapest car insurance rates from GEICO, which charges them an average of $174 a month.
Married couples usually pay less for car insurance than their single counterparts. This isn’t the case in Houston, though, with GEICO’s city-leading rate for married couples coming in at $174 a month — $15 more than the cost for singles of the same age.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $174 |
| Allstate | $189 |
| State Farm | $202 |
| USAA | $101 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance laws in Texas
No-fault car insurance
Texas is an at-fault state. This means that the driver deemed responsible for an accident is also responsible for the damages of both (or all) drivers involved.
Financial Responsibility Insurance Certificate (SR-22)
Texas law requires drivers to hold a Financial Responsibility Insurance Certificate, also known as an SR-22, to verify that their policy meets the state’s liability coverage requirements. Most insurers simply issue this form when providing a driver with their policy.
Houston car insurance: FAQs
GEICO has the cheapest car insurance in Houston for most drivers. The company charges $88 a month for minimum coverage and $159 a month for full coverage.
In Houston, full-coverage car insurance costs an average of $173 a month. For minimum coverage, the average rate is $91 a month.
Allstate has the best car insurance rates for drivers with bad credit, offering full-coverage policies at an average of $309 a month.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Houston, Texas.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Houston
- Dallas
- Austin
- San Antonio
- El Paso
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