Best Cheap Auto Insurance in Houston, TX (2021)

The average Houston, TX auto insurance rates are $398 per month. The minimum auto insurance in Houston is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Houston, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Houston for teen drivers is American Family
  • The cheapest auto insurance company in Houston is USAA
  • The average commute length in Houston is 27.7 minutes

Houston, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Houston to other Texas cities, including Austin auto insurance rates, El Paso auto insurance rates, and Laredo auto insurance rates to see how Houston, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Houston, Texas

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

Minimum Required Auto Insurance Coverage in Houston, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Houston, Texas 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, Texas

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 $4,217 $4,244 $4,163 $4,163 $11,219 $13,509 $5,202 $5,401
American Family $3,869 $4,363 $3,710 $4,307 $11,318 $14,803 $5,781 $6,622
GEICO $2,912 $3,169 $2,838 $3,272 $6,542 $6,742 $3,158 $3,121
Nationwide $2,738 $2,782 $2,415 $2,557 $7,906 $10,152 $3,231 $3,497
Progressive $2,780 $2,646 $2,471 $2,516 $11,780 $13,179 $3,312 $3,373
State Farm $2,410 $2,410 $2,151 $2,151 $5,837 $7,447 $2,625 $2,699
USAA $1,861 $1,863 $1,789 $1,765 $5,317 $5,756 $2,474 $2,629

Cheap Houston, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Houston, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,219 $13,509
American Family $11,318 $14,803
GEICO $6,542 $6,742
Nationwide $7,906 $10,152
Progressive $11,780 $13,179
State Farm $5,837 $7,447
USAA $5,317 $5,756

Cheap Houston, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Houston, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,163 $4,163
American Family $3,710 $4,307
GEICO $2,838 $3,272
Nationwide $2,415 $2,557
Progressive $2,471 $2,516
State Farm $2,151 $2,151
USAA $1,789 $1,765

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

Annual Houston, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,027 $7,838 $8,168 $5,027
American Family $6,204 $7,998 $6,980 $6,204
GEICO $3,361 $4,481 $3,696 $4,339
Nationwide $3,820 $3,820 $5,679 $4,320
Progressive $4,576 $5,936 $5,357 $5,160
State Farm $3,071 $3,534 $4,188 $3,071
USAA $2,175 $3,239 $3,814 $2,499

Cheap Houston, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Houston, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,168
American Family $6,980
GEICO $3,696
Nationwide $5,679
Progressive $5,357
State Farm $4,188
USAA $3,814

Cheap Houston, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Houston, Texas

Insurance Company Poor Fair Good
Allstate $8,286 $6,065 $5,194
American Family $9,270 $6,016 $5,254
GEICO $6,152 $3,462 $2,294
Nationwide $5,296 $4,248 $3,685
Progressive $5,921 $5,114 $4,737
State Farm $4,902 $3,057 $2,439
USAA $4,286 $2,496 $2,013

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Cheap Houston, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Houston, Texas

ZIP Code Average Annual Rates
77002 $6,995
77003 $7,313
77004 $7,497
77005 $6,459
77006 $6,550
77007 $6,725
77008 $6,882
77009 $6,915
77010 $7,224
77011 $7,286
77012 $7,348
77013 $7,229
77014 $7,409
77015 $6,844
77016 $7,629
77017 $7,427
77018 $6,788
77019 $6,857
77020 $7,515
77021 $7,150
77022 $7,606
77023 $7,399
77024 $6,767
77025 $6,664
77026 $7,554
77027 $6,741
77028 $7,580
77029 $7,052
77030 $6,752
77031 $6,940
77032 $7,242
77033 $7,841
77034 $6,970
77035 $7,054
77036 $8,151
77037 $7,670
77038 $7,567
77039 $7,602
77040 $7,346
77041 $6,971
77042 $7,117
77043 $6,825
77044 $7,215
77045 $7,420
77046 $6,623
77047 $7,389
77048 $7,487
77049 $6,873
77050 $7,505
77051 $7,489
77053 $7,748
77054 $6,844
77055 $6,932
77056 $6,743
77057 $7,043
77058 $6,308
77059 $6,255
77060 $7,665
77061 $7,479
77062 $6,264
77063 $6,965
77064 $6,796
77065 $7,044
77066 $7,257
77067 $7,613
77068 $6,797
77069 $6,609
77070 $6,655
77071 $7,325
77072 $7,909
77073 $7,328
77074 $7,337
77075 $7,189
77076 $7,685
77077 $6,853
77078 $7,701
77079 $6,442
77080 $6,946
77081 $7,610
77082 $7,227
77083 $7,671
77084 $7,112
77085 $7,103
77086 $7,472
77087 $7,330
77088 $7,612
77089 $6,714
77090 $7,441
77091 $7,644
77092 $6,950
77093 $7,593
77094 $6,513
77095 $6,825
77096 $6,825
77098 $6,594
77099 $7,600
77201 $7,492
77204 $7,496
77336 $6,539
77338 $6,847
77339 $6,352
77489 $6,794
77598 $6,524

Cheap Houston, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Houston, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,354 $6,676
American Family $6,847 $6,847
GEICO $3,895 $4,043
Nationwide $4,410 $4,410
Progressive $5,257 $5,257
State Farm $3,466 $3,466
USAA $2,894 $2,969

Cheap Houston, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Houston, Texas

Insurance Company Low Medium High
Allstate $6,345 $6,451 $6,748
American Family $6,296 $6,550 $7,694
GEICO $3,723 $3,909 $4,276
Nationwide $4,739 $4,220 $4,270
Progressive $5,010 $5,235 $5,527
State Farm $3,269 $3,453 $3,676
USAA $2,814 $2,918 $3,063

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Best By Category: Cheapest Auto Insurance in Houston, Texas

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

Best Annual Auto Insurance Rates by Company in Houston, Texas

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

The Cheapest Houston, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Houston, Texas

Insurance Company Average Annual Rates
Allstate $6,515
American Family $6,847
GEICO $3,969
Nationwide $4,410
Progressive $5,257
State Farm $3,466
USAA $2,932

What affects auto insurance rates in Houston, Texas?

There are a lot of reasons why auto insurance rates in Houston, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Houston, Texas. 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, Texas commute length is 27.7 minutes according to City-Data.

Houston Traffic

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

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Compare Houston, Texas Auto Insurance Quotes

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