Who Has the Cheapest Car Insurance Quotes in Houston?
State Farm has the best cheap car insurance in Houston, at $39 per month for minimum liability insurance.
Best cheap car insurance in Houston, TX
To help you find the best cheap car insurance, ValuePenguin compared thousands of car insurance quotes from the top companies in Texas. We rated the cheapest companies based on factors like cost, coverage and customer service.
Minimum liability quotes meet the Texas state minimum requirements of $30,000 in bodily injury liability per person and $60,000 per accident plus $25,000 in property damage coverage. Full coverage quotes have higher liability limits plus comprehensive and collision coverage.
Cheap liability insurance in Houston, TX
State Farm has the cheapest car insurance quotes in Houston, with an average rate of $39 per month.
That's 37% cheaper than the city average. The average cost of car insurance in Houston is $62 per month for a minimum liability policy.
Find Cheap Auto Insurance Quotes in Houston
Car insurance in Houston, Texas’ biggest city, tends to be more expensive than the average cost of car insurance in Texas, which is $48 per month.
But you can still find savings by shopping around for the best rates. The most expensive company, Progressive, is $59 more expensive per month than the cheapest option, State Farm.
Best cheap liability car insurance in Houston
Company | Monthly rate | |
|---|---|---|
| State Farm | $39 |
| Farm Bureau | $41 |
| Geico | $59 |
| Allstate | $92 |
| Progressive | $98 |
| USAA | $45 |
USAA is only available to current and former military members and their families.
Given Houston’s expensive car insurance quotes, a minimum coverage policy might seem like a good way to save money.
However, liability insurance won't pay for damage to your own vehicle. If you get into an expensive crash, you will have to pay to repair your car. Minimum coverage liability limits may not be high enough to cover the other driver's expenses, either.
For this reason, we recommend that drivers who own a new or expensive car choose a full coverage policy.
Cheap full coverage insurance in Houston: State Farm
State Farm has the cheapest full coverage car insurance quotes in Houston. At $87 per month, coverage from State Farm is 47% cheaper than the city average, which is $163 per month.
Company | Monthly rate |
|---|---|
| State Farm | $87 |
| Farm Bureau | $99 |
| Geico | $133 |
| Progressive | $266 |
| Allstate | $275 |
| USAA | $120 |
USAA is only available to current and former military members and their families.
A full coverage policy in Houston costs $101 more per month than a minimum policy, on average.
Drivers who switch from a minimum policy to a full coverage policy will see the smallest price jump with State Farm. Its full coverage policy is only $48 more expensive per month than its minimum policy.
If you have a car that's less than 10 years old or worth more than $3,000, we recommend full coverage, which not only meets the state insurance requirements but will also include comprehensive and collision coverage, which help pay for damage to your own car.
Cheapest car insurance in Houston for drivers with incidents
State Farm has the cheapest car insurance quotes for Houston drivers with tickets or accidents on their record.
Farm Bureau has the most affordable rates for drivers with a poor credit score.
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the cheapest car insurance quotes in Houston for drivers with a speeding ticket. A full coverage policy from State Farm costs $87 per month after a single speeding ticket, which is 58% cheaper than the citywide average.
Company | Monthly rate |
|---|---|
| State Farm | $87 |
| Farm Bureau | $99 |
| Geico | $159 |
| Allstate | $275 |
| Progressive | $328 |
Drivers in Houston can expect their car insurance rates to increase by 11% if they're caught speeding. That's an average increase of $17 per month.
Cheapest quotes in Houston after an accident: State Farm
State Farm has the most affordable car insurance rates in Houston after an accident, at $143 per month for full coverage. That's 42% less than most drivers pay for insurance after an accident in Houston.
Company | Monthly rate |
|---|---|
| State Farm | $143 |
| Farm Bureau | $191 |
| Geico | $241 |
| Progressive | $304 |
| Allstate | $433 |
Depending on your car insurance company, you could see your rates go up by 53% after an accident. State Farm has the smallest rate increase after an accident, at 20%. On the other hand, Geico raises rates by 62% after an accident.
Cheapest car insurance after a DUI: State Farm
State Farm also has the best cheap car insurance rates in Houston for drivers with a DUI on their record. A full coverage policy from State Farm costs $143 per month after a DUI, which is 42% cheaper than average in Houston.
Company | Monthly rate |
|---|---|
| State Farm | $143 |
| Farm Bureau | $191 |
| Geico | $241 |
| Progressive | $304 |
| Allstate | $433 |
A DUI is a serious ticket, which will cause your car insurance rates to go up by an average of 52% in Houston. In addition, drivers may need to get SR-22 insurance in Texas after a DUI, which can make your insurance even more expensive.
The best way to find cheap insurance after a DUI is by comparing quotes from multiple companies. In Houston, there's a difference of $290 per month between the cheapest and most expensive insurance company after a DUI.
Cheapest quotes for drivers with poor credit: Farm Bureau
Farm Bureau has the cheapest quotes for Houston drivers with poor credit. Full coverage car insurance from Farm Bureau costs $223 per month for these drivers, which is 36% cheaper than the city average.
Company | Monthly rate |
|---|---|
| Farm Bureau | $223 |
| Geico | $363 |
| Allstate | $387 |
| State Farm | $452 |
| Progressive | $460 |
Having a bad credit score doesn't have anything to do with your driving ability. However, insurance companies believe that drivers with poor credit are more likely to file a claim in the future, making them more expensive to insure.
In Houston, drivers with poor credit pay $185 more per month for full coverage insurance than people with a good credit score.
Cheapest car insurance for young drivers in Houston: Farm Bureau
Farm Bureau has the most affordable car insurance quotes in Houston for teen drivers.
A minimum liability policy from Farm Bureau costs around $80 per month for a teen driver, which is 66% cheaper than the Houston average. Farm Bureau also has the best rates for full coverage car insurance. An 18-year-old driver can expect to pay around $166 for full coverage from Farm Bureau — 71% cheaper than average.
Monthly car insurance quotes for teen drivers in Houston
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $80 | $166 |
| State Farm | $133 | $262 |
| Geico | $138 | $295 |
| Allstate | $467 | $1,171 |
| Progressive | $479 | $1,377 |
Car insurance rates are higher for young and inexperienced drivers than for older drivers. Teens and young adults are more likely to cause an accident because they have less driving experience, making them more expensive to insure.
On average, an 18-year-old driver in Houston pays $170 more per month for minimum liability coverage than a 30-year-old driver.
Insurance for teens is expensive, but you can save money by comparing rates from several companies, or you can look at other options to cut costs.
- Ask about discounts. Many companies have discounts specifically for young people in school, like the good student discount.
- Talk to your parents about sharing a policy. Staying on a combined policy with other family members will be cheaper than having two separate policies.
Cheapest quotes for teens after an incident: Farm Bureau
Farm Bureau also has the cheapest car insurance rates in Houston for teens with a speeding ticket or accident on their record.
A minimum coverage policy from Farm Bureau costs $80 per month for an 18-year-old driver with a single speeding ticket on their record, which is the same as the rate for a driver with a clean record. After an accident, Farm Bureau's average rate increases by 44% to $115 per month, which is 65% cheaper than average.
Monthly minimum coverage quotes after a ticket
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $80 | $115 |
| State Farm | $133 | $153 |
| Geico | $153 | $202 |
| Allstate | $467 | $517 |
| Progressive | $476 | $847 |
Young drivers with an accident on their record pay much more for insurance than those with a speeding ticket. On average, rates only increase by around 2% after a speeding ticket, while an accident will cause your insurance rates to go up by 39%.
Cheapest car insurance for married drivers: Farm Bureau
Farm Bureau has the best cheap car insurance for married drivers in Houston. A full coverage policy costs $74 per month for one car, which is only half as expensive as the city average. It's also 25% cheaper than Farm Bureau insurance for an unmarried driver, which is the largest discount offered by a major insurance company in Houston.
On average, married drivers pay 7% less for full coverage insurance than unmarried drivers in Houston.
Company | Monthly rate |
|---|---|
| Farm Bureau | $74 |
| State Farm | $87 |
| Geico | $152 |
| Allstate | $238 |
| Progressive | $250 |
Best car insurance companies in Houston
USAA has the best-rated car insurance in Houston, based on its excellent customer service reviews and affordable rates.
However, most drivers can't buy USAA insurance — it's only available to military members, veterans and their families.
Drivers that aren't eligible for USAA can find great service at State Farm and Farm Bureau.
Best car insurance in Houston
Company |
Editor's rating
|
|---|---|
| USAA | |
| State Farm | |
| Farm Bureau | |
| Geico | |
| Allstate | |
| Progressive |
The best insurance company will have affordable prices and high-quality customer service.
Great service will make your life much easier if you're ever in an accident and need to make a claim, which is why it's so important. It’s crucial that you ask yourself which company will not only get you the best rate but also ensure that your problems are being taken care of.
Average car insurance cost in Houston by neighborhood
Drivers living in downtown Houston pay the highest car insurance rates in the city, while those in the Kingwood area have the cheapest insurance rates.
Car insurance rates will vary depending on which part of Houston you live in. Drivers in Kingwood pay around $142 per month for full coverage insurance, which is $40 per month cheaper than coverage for people living downtown.
Full coverage quotes by Houston ZIP code
ZIP code | Monthly cost | % from average |
|---|---|---|
| 77002 | $161 | -1% |
| 77003 | $175 | 7% |
| 77004 | $173 | 6% |
| 77005 | $147 | -10% |
| 77006 | $155 | -5% |
Minimum car insurance requirements in Texas
In Texas, drivers are required to have a certain amount of bodily injury liability and property damage liability coverage, which is sometimes referred to as 30/60/25.
Minimum liability requirement in TX
- Bodily injury liability: $30,000 per person, $60,000 per accident
- Property damage liability: $25,000 per accident
While these minimum amounts are slightly higher than in most other states, drivers should still consider getting more coverage, like collision and comprehensive insurance, which protect your car against damage.
Drivers in Texas are also able to buy personal injury protection (PIP). If you don't have good health insurance to cover injuries from a car accident, you should strongly consider PIP for your policy.
Frequently asked questions
What is the average cost of car insurance in Houston, TX?
The average cost of car insurance in Houston is $62 per month for a minimum coverage policy and $163 per month for full coverage.
Who has the cheapest car insurance in Houston?
State Farm has the cheapest car insurance for most drivers in Houston. A minimum liability policy from State Farm costs $39 per month, which is 37% cheaper than average. Full coverage from State Farm costs $87 per month, which is 47% cheaper than average.
Who has the best car insurance in Houston?
USAA is the best-rated car insurance company in Houston. It has a reputation for great customer service and cheap quotes. However, only military members, veterans and their families can get car insurance from USAA. Other drivers should compare quotes from State Farm and Farm Bureau, both of which offer reliable service and affordable rates.
What car insurance is required in Houston?
Houston drivers are required to have car insurance with liability limits of at least 30/60/25. This means you need $30,000 of bodily injury liability per person and $60,000 per accident, along with $25,000 of property damage liability per accident.
Is Houston car insurance expensive?
Yes, car insurance in Houston is more expensive than average. A minimum coverage policy costs $62 per month, which is 29% more expensive than the Texas state average and 13% more than the national average.
Methodology
To find the best cheap car insurance in Houston, TX, we compared quotes from six of the largest insurance companies in Texas. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, along with higher liability limits than the state requirement.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.