Average car insurance cost in Houston, TX

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Based on an analysis by Insure.com, the typical car insurance expense in Houston, Texas is $2,317 annually. Furthermore, car insurance premiums in Houston are $274 more than compared to the state average in Texas and $422 more than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Houston, the average car insurance rates by age and gender, and the costs in Houston based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Houston. Keep reading to learn more.

Cheap car insurance companies in Houston

Texas Farm Bureau offers the most affordable car insurance in Houston for coverage limits of 100/300/100 at $1,530 per year.

The Nationwide comes close second offering car insurance at $1,640 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Houston that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in Houston, Texas:

Read about the best car insurance companies.

Average car insurance cost in Houston by coverage limits

The average car insurance rates in Houston by coverage type are as follows:

• State minimum coverage: $668 per year (limits of 25/50/25)
• Liability-only coverage: $959 per year (limits of 50/100/50)
• Full coverage: $2,317 per year (limits of 100/300/100)
• Non-owners coverage: $393 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Houston

The average car insurance rate for a female driver in Houston, Texas, is $2,312 per year.

While the rate for a male driver is $2,322 per year, which is $10 more than what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, 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

Car insurance rates in Houston, are highest for teens at $5,181 per year or $432 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,344 annually for their car insurance, which is $1,837 less than what teens pay for their insurance coverage.

In Houston, adult drivers pay an average of $2,328 per year for car insurance, while senior drivers pay $2,246 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per 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:

Car insurance rate trends in Houston

Examining car insurance rate trends in Houston, Texas, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of 4% or $91.

The table below shows the trend for last four years:

Conclusion

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

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com 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 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female 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 per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

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

Prachi Singh

Contributing Researcher

 

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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.