On average, your neighbors pay $125 a month.See Your Rates
With a population of around 2.3 million people, Houston, Texas is the fourth largest city in the United States. Now, Houston residents can get car insurance savings that are every bit as big as their city with QuoteWizard.
How much is car insurance in Houston, TX? You can thank bad driving and an extremely high vehicle theft rate for rising car insurance rates in Houston. Average rates here are higher than both the state and national averages. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.
Car insurance prices in Houston vary depending on several factors. These include your driving history, your claims history, and where you live.
|Total Cost Per Year||$1,467||$1,533|
|Price Per Month||$122.25||$127.75|
|Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers. They rent in Houston and own a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes Texas state liability minimum of $30,000/$60,000/$25,000. And 30/60/25 underinsured motorist coverage with $2,500 personal injury protection. Plus a $500 comprehensive and collision deductible.|
The graph below shows the change in average Texas auto insurance rates from 2011 to 2015. Car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.
QuoteWizard helps consumers compare quotes from national insurance companies and local agents. Comparing quotes helps you find cheap car insurance rates near Houston, Texas. You can save up to 40% on your premium by using QuoteWizard.
Last year, 64,413 residents used QuoteWizard to compare auto insurance quotes in Houston, TX from multiple companies to find the lowest rates.
These are the most popular car insurance companies reported by QuoteWizard users in Houston, Texas last year. Of these 64,413 drivers using QuoteWizard, 12,915 were uninsured when they requested a quote.
Other popular Houston, Texas car insurance companies: MetLife, Safeco, Country Financial, American Family, 21st Century, Texas Farm Bureau, and Hartford.
These are the most common cars owned by Houston drivers using QuoteWizard.
Drivers with tickets and accidents on their record may be classified as high-risk. If you're a high-risk driver, you pay significantly higher insurance rates. Some high-risk drivers might be unable to find a company willing to offer them coverage.
Fortunately, high-risk drivers in Houston can find coverage through the Texas Automobile Insurance Plan Association. TAIPA helps ensure that every driver can get minimum coverage levels. In Texas, that's 30/60/25. We'll discuss what those coverage levels entail in the 'Car Insurance Minimum Coverage' section below.
Regardless, these companies offer insurance policies for Houston's high-risk drivers:
Houston, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:
It's not a great idea to buy only legal minimum coverage. While it costs less, minimum coverage becomes more expensive if you file a claim. Why? Minimum coverage does not include comprehensive or collision coverage. Plus, it's easy to exceed minimum coverage levels after an accident.
Minimum coverage only pays for damages to other people, their car, and their property. Minimum coverage does not cover you, your injuries, or your property. If you have minimum coverage and you cause an accident, you're on the hook for your expenses.
Collision coverage pays for damages to your car after an accident. Comprehensive coverage pays for damages that don't involve another car. That includes natural disasters, falling tree branches, theft, and vandalism.
With that in mind, we recommend that Houston drivers buy the following coverage:
If you can afford it, buy comprehensive and collision coverage. You should choose a reasonable deductible. Also consider uninsured/underinsured coverage. This covers damages caused by drivers who have little or no insurance. Finally, medical payment coverage and personal injury protection covers medical costs after an accident.
QuoteWizard releases annual studies on the Best and Worst Drivers by state and city. When it comes to good drivers, Houston and Texas are both above average.
On our city study, Houston drivers ranked 40th best out of 100 cities. On our state study, Texas ranked 22nd best out of every state.
That's good news for Houston drivers, because living in an area with low-risk drivers lowers your insurance premium.
Driving conditions in Houston are a major reason insurance rates in this city are higher than the national average. Severe weather and inadequate road maintenance negatively affect driving conditions.
Houston weather is warm because it's so close to the Gulf of Mexico. Summers are hot and humid. Winters are mild. Frequent and heavy rainfall and below sea-level elevation creates many problems for local drivers in the form of urban flooding. Most recently, Hurricane Harvey devastated the city, destroying up to one million cars. On the bright side, it almost never snows.
TRIP reports that 80% of the city's roads are in either poor or mediocre condition. Records show that Houston road paving has decreased by 53% since 2008. If you think potholes are getting worse, it's not your imagination. Pothole repairs have declined from 19,000 fixes in 2012 to 16,000 in 2014. Road conditions cost Houston drivers $722 a year in extra vehicle operating costs due to traffic congestion, crashes, and repairs.
TomTom has ranked Houston 11th for worst traffic congestion in the United States. An average commuter spends 130 hours per year stuck in heavy traffic on poorly maintained roads.
Moving violations like speeding tickets, accidents, and drunk driving will give you a bad driving record. Your insurer will flag you as a high-risk driver with high insurance rates.
The City of Houston Municipal Courts website allows you to pay your traffic tickets. You can also find out how to contest a ticket. If you get a moving violation, you should fight it. Moving violations can raise your insurance rates for three to five years.
A DWI conviction may require you to obtain an SR-22 form. Filing an SR-22 form is an expensive and time-consuming process. It's almost guaranteed to raise your insurance rates.
Houston, TX officials reported 67,241 car crashes in 2016 resulting in 32,015 injuries. 1,304 of the injuries were severe.
Houston reported 245 car accident-related fatalities on its roadways in 2016. According to a state study, 93 of these fatalities involved drunk drivers.
According to the National Insurance Crime Bureau, the Houston area is a hot spot for car theft. The NCIB reports that 25,069 cars were stolen in the Houston area in 2016. That's makes Houston's car theft rate 45th worst out of 382 metropolitan areas.
According to the Houston Police Department, these are the most stolen cars in February 2018, the most recent data available.
Are you looking for cheap car insurance in Houston, TX? Discounts are a great way to lower your insurance rates. These are some of the many auto insurance discounts available to Houston, TX drivers. Get a quote and find out which discounts you qualify for.
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