insure logo

Why you can trust

quality icon

Quality Verified

At, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average car insurance cost in Houston, Texas is $2,226 per year, according to data. This is $351 more than the average auto insurance cost in Texas and $544 more than the national average.

Average cost in HoustonAverage cost in TexasNational average cost

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums, making it cheaper or more expensive than other areas with different factors like accident rates, theft, and vandalism rates.

Read on to learn about the cheapest car insurance providers in Houston, the average car insurance rates by age, gender, and how much car insurance is in Houston based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Houston.

Key Takeaways

  • The average car insurance cost in Houston, Texas is $2,226 per year.
  • Nationwide offers the cheapest car insurance in Houston, at an average of $1,385 per year.
  • Young adults pay $4,148 per year for car insurance in Houston.

Cheap car insurance companies in Houston

Nationwide offers the cheapest car insurance in Houston at an average of $1,385 per year with full coverage limits of 100/300/100.

The second cheapest company in Houston is State Farm, offering car insurance rates at $1,418 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Houston.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Houston, Texas:

Company NameAverage annual costAverage monthly cost
State Farm$1,418$118
Auto Club$1,740$145
Mercury Insurance$2,251$188
Farmers Insurance$2,992$249

Read about the best car insurance companies.

Average car insurance cost in Houston by coverage limits

In Houston, the average car insurance rates based on coverage types are as follows:

  • State minimum coverage: $675 per year (limits are 25/50/25)
  • Liability only coverage: $863 per year (limits are 50/100/50)
  • Full coverage: $2,226 per year (limits are 100/300/100)
  • Non-owners coverage: $528 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on coverage and paying out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Houston

The average car insurance rate for a female driver in Houston, Texas, is $2,226 per year.

The rate for a male driver is $2,226 per year, which is same as what female drivers pay, according to a rate analysis by

Women are considered to be safer drivers than men, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Houston

In Houston, car insurance rates are the highest for teens, at $8,676 per year or $723 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. Also, teen insurance rates can be lowered by adding the teen to a parent’s auto insurance policy.

Car insurance rates will decrease as teens age and earn a good driving record. Young adults pay $4,148 per year for their car insurance which is $4528 less than what the teens pay for their insurance policy.

The car insurance rates in Houston for adult and senior drivers are $2,290 and $2,270 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Age groupAverage annual rates
Teens (16- to 19-year-olds)$8,676
Young adults (20- to 24-year-olds)$4,148
Adults (25- to 55-year-olds)$2,290
Seniors (60- to 75-year-olds)$2,270

If we look at the car insurance rate trends in Houston, Texas, it was on an upward swing from 2016 to 2019. From 2019 to 2022, the rates increased overall by 5%, or $115.

The table below shows the trend for three years:

2016 rates2019 rates2022 rates


In conclusion, the insurance rates in Houston, are higher than the average insurance cost in Texas. By shopping around and taking advantage of available discounts, drivers in Houston can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.


Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other cities

author image
Prachi Singh
Contributing Researcher


Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.