Best Cheap Auto Insurance in Houston, DE (2021)

The average Houston, DE auto insurance rates are $447 per month. The minimum auto insurance in Houston is at least 25/50/10 in coverage to comply with Delaware auto insurance laws. To find the best cheap auto insurance in Houston, Delaware, 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

  • The minimum auto insurance required in Houston, Delaware is 25/50/10
  • The most expensive auto insurance company in Houston for teen drivers is Liberty Mutual
  • Average auto insurance rates in Houston, DE for senior drivers are $3,177 per year

Houston, Delaware auto insurance requirements are 25/50/10 according to Delaware 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, Delaware, including driving record, credit, commute time, and more.

Compare auto insurance in Houston to other Delaware cities, including Elsmere auto insurance rates, New Castle auto insurance rates, and Smyrna auto insurance rates to see how Houston, Delaware auto insurance rates stack up.

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

Minimum Auto Insurance in Houston, Delaware

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

Minimum Required Auto Insurance Coverage in Houston, Delaware

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Houston, Delaware 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, Delaware

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 $3,160 $3,129 $2,774 $2,932 $11,271 $13,211 $3,364 $3,592
GEICO $2,394 $2,660 $2,291 $2,666 $5,847 $6,106 $2,526 $2,454
Liberty Mutual $11,459 $11,459 $11,321 $11,321 $25,427 $38,488 $11,459 $15,856
Nationwide $2,686 $2,664 $2,452 $2,442 $6,323 $8,008 $2,974 $3,176
Progressive $1,741 $1,614 $1,532 $1,564 $8,649 $9,546 $2,119 $2,068
State Farm $2,484 $2,484 $2,287 $2,287 $7,054 $9,114 $2,784 $2,904
Travelers $1,417 $1,423 $1,394 $1,358 $7,723 $11,723 $1,508 $1,643
USAA $1,198 $1,179 $1,110 $1,108 $4,357 $5,117 $1,500 $1,646

Cheap Houston, Delaware Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Houston, Delaware

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,271 $13,211
GEICO $5,847 $6,106
Liberty Mutual $25,427 $38,488
Nationwide $6,323 $8,008
Progressive $8,649 $9,546
State Farm $7,054 $9,114
Travelers $7,723 $11,723
USAA $4,357 $5,117

Cheap Houston, Delaware Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Houston, Delaware

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,932
GEICO $2,291 $2,666
Liberty Mutual $11,321 $11,321
Nationwide $2,452 $2,442
Progressive $1,532 $1,564
State Farm $2,287 $2,287
Travelers $1,394 $1,358
USAA $1,110 $1,108

Cheap Houston, Delaware 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, Delaware compared to the annual auto insurance rates with a clean record in Houston, Delaware.

Annual Houston, Delaware Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,595 $5,491 $6,417 $5,214
GEICO $2,586 $3,579 $4,373 $2,935
Liberty Mutual $13,628 $15,703 $25,102 $13,962
Nationwide $3,065 $3,065 $5,612 $3,621
Progressive $3,114 $4,099 $3,541 $3,663
State Farm $3,561 $4,289 $3,925 $3,925
Travelers $3,012 $3,021 $4,903 $3,159
USAA $1,776 $1,776 $3,029 $2,027

Cheap Houston, Delaware Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Houston, Delaware

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,417
GEICO $4,373
Liberty Mutual $25,102
Nationwide $5,612
Progressive $3,541
State Farm $3,925
Travelers $4,903
USAA $3,029

Cheap Houston, Delaware Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Houston, Delaware

Insurance Company Poor Fair Good
Allstate $6,949 $4,949 $4,389
GEICO $5,219 $2,898 $1,988
Liberty Mutual $23,141 $15,587 $12,568
Nationwide $4,452 $3,700 $3,371
Progressive $4,033 $3,524 $3,256
State Farm $6,009 $3,310 $2,456
Travelers $3,935 $3,246 $3,390
USAA $3,517 $1,706 $1,233

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Cheap Houston, Delaware Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Houston, Delaware

ZIP Code Average Annual Rates
19954 $5,368

Cheap Houston, Delaware Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Houston, Delaware

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,429 $5,429
GEICO $3,314 $3,422
Liberty Mutual $16,627 $17,571
Nationwide $3,841 $3,841
Progressive $3,604 $3,604
State Farm $3,790 $4,059
Travelers $3,524 $3,524
USAA $2,129 $2,175

Cheap Houston, Delaware Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Houston, Delaware

Insurance Company Low Medium High
Allstate $5,004 $5,488 $5,795
GEICO $3,044 $3,417 $3,644
Liberty Mutual $16,248 $16,898 $18,149
Nationwide $3,837 $3,774 $3,911
Progressive $3,186 $3,643 $3,983
State Farm $3,665 $3,934 $4,175
Travelers $3,337 $3,631 $3,603
USAA $2,012 $2,148 $2,297

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Best By Category: Cheapest Auto Insurance in Houston, Delaware

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

Best Annual Auto Insurance Rates by Company in Houston, Delaware

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, Delaware Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Houston, Delaware

Insurance Company Average Annual Rates
Allstate $5,429
GEICO $3,368
Liberty Mutual $17,099
Nationwide $3,841
Progressive $3,604
State Farm $3,925
Travelers $3,524
USAA $2,152

What affects auto insurance rates in Houston, Delaware?

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

Houston Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Houston, Delaware commute length is 25.0 minutes according to City-Data.

Houston Traffic

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

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Compare Houston, Delaware Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

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