Best Cheap Auto Insurance in Houston, AL (2021)

The average Houston, AL auto insurance rates are $301 per month. The minimum auto insurance in Houston is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Houston, Alabama, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Houston, AL for senior drivers are $1,920 per year
  • The minimum auto insurance required in Houston, Alabama is 25/50/25
  • The cheapest auto insurance company in Houston is USAA

Houston, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Houston can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Houston, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Houston to other Alabama cities, including Montgomery auto insurance rates, Auburn auto insurance rates, and Huntsville auto insurance rates to see how Houston, Alabama auto insurance rates stack up.

Before you buy Houston, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Houston, Alabama auto insurance quotes.

Minimum Auto Insurance in Houston, Alabama

Houston, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Houston, Alabama.

Minimum Required Auto Insurance Coverage in Houston, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Houston, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Houston, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Houston, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,916 $1,833 $1,727 $1,761 $6,483 $6,962 $2,161 $2,216
Farmers $2,403 $2,387 $2,151 $2,275 $9,066 $9,334 $2,742 $2,871
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $3,066 $3,315 $2,513 $2,812 $11,039 $12,281 $3,272 $3,492
Nationwide $1,917 $1,944 $1,740 $1,806 $5,097 $6,597 $2,132 $2,392
Progressive $2,314 $2,177 $1,897 $2,020 $9,444 $10,556 $2,715 $2,901
State Farm $2,834 $2,834 $2,536 $2,536 $8,279 $10,368 $3,195 $3,698
Travelers $1,438 $1,461 $1,343 $1,341 $7,528 $11,784 $1,366 $1,577
USAA $1,324 $1,347 $1,233 $1,209 $3,937 $4,370 $1,729 $1,867

Cheap Houston, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Houston, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Houston, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Houston, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,483 $6,962
Farmers $9,066 $9,334
GEICO $4,918 $4,831
Liberty Mutual $11,039 $12,281
Nationwide $5,097 $6,597
Progressive $9,444 $10,556
State Farm $8,279 $10,368
Travelers $7,528 $11,784
USAA $3,937 $4,370

Cheap Houston, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Houston, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Houston, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,761
Farmers $2,151 $2,275
GEICO $1,804 $1,850
Liberty Mutual $2,513 $2,812
Nationwide $1,740 $1,806
Progressive $1,897 $2,020
State Farm $2,536 $2,536
Travelers $1,343 $1,341
USAA $1,233 $1,209

Cheap Houston, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Houston, Alabama compared to the annual auto insurance rates with a clean record in Houston, Alabama.

Annual Houston, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,677 $3,142 $3,700 $3,011
Farmers $3,494 $4,513 $4,402 $4,205
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $4,099 $5,698 $5,581 $5,517
Nationwide $2,576 $2,576 $3,777 $2,883
Progressive $3,846 $4,826 $4,121 $4,220
State Farm $4,114 $5,050 $4,488 $4,488
Travelers $2,901 $3,045 $4,441 $3,532
USAA $1,635 $2,051 $3,053 $1,769

Cheap Houston, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Houston, Alabama is not easy. Compare the annual rates for DUI auto insurance in Houston, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Houston, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,700
Farmers $4,402
GEICO $3,504
Liberty Mutual $5,581
Nationwide $3,777
Progressive $4,121
State Farm $4,488
Travelers $4,441
USAA $3,053

Cheap Houston, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Houston, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Houston, Alabama

Insurance Company Poor Fair Good
Allstate $3,877 $3,037 $2,484
Farmers $4,662 $4,004 $3,795
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,486 $4,584 $3,601
Nationwide $3,571 $2,778 $2,510
Progressive $4,805 $4,114 $3,840
State Farm $7,355 $3,722 $2,528
Travelers $3,797 $3,291 $3,352
USAA $2,867 $1,857 $1,656

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Cheap Houston, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Houston, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Houston, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Houston, Alabama

ZIP Code Average Annual Rates
35572 $3,696

Cheap Houston, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Houston, Alabama auto insurance. Find the cheapest annual Houston, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Houston, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,133 $3,133
Farmers $4,154 $4,154
GEICO $2,587 $2,686
Liberty Mutual $5,224 $5,224
Nationwide $2,953 $2,953
Progressive $4,253 $4,253
State Farm $4,430 $4,640
Travelers $3,480 $3,480
USAA $2,029 $2,224

Cheap Houston, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Houston, Alabama? Check out the comparison of annual Houston, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Houston, Alabama

Insurance Company Low Medium High
Allstate $3,032 $3,127 $3,238
Farmers $3,948 $4,106 $4,407
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,989 $5,200 $5,482
Nationwide $2,958 $2,923 $2,978
Progressive $3,834 $4,232 $4,693
State Farm $4,332 $4,528 $4,745
Travelers $3,327 $3,549 $3,564
USAA $2,056 $2,116 $2,208

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Best By Category: Cheapest Auto Insurance in Houston, Alabama

Compare the cheapest auto insurance companies in Houston, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Houston, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Houston, Alabama Auto Insurance Companies

What auto insurance companies in Houston, Alabama are the cheapest? Compare the top Houston, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Houston, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,154
GEICO $2,637
Liberty Mutual $5,224
Nationwide $2,953
Progressive $4,253
State Farm $4,535
Travelers $3,480
USAA $2,127

What affects auto insurance rates in Houston, Alabama?

There are a lot of reasons why auto insurance rates in Houston, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Houston, Alabama. Many local factors may affect your Houston auto insurance rates.

Houston Traffic

How does Houston, Alabama rank for traffic? According to Inrix Houston, Alabama is the 57th most congested worldwide.

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Compare Houston, Alabama Auto Insurance Quotes

Before you buy Houston, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Houston, Alabama auto insurance quotes.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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