Car Insurance in Houston
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Car Insurance in Houston, TX
Houston is the largest city in Texas and is known for its cosmopolitan downtown, which is full of restaurants, museums, shopping opportunities, and green spaces. Major companies, including ConocoPhillips, Hewlett Packard, and Crown Castle International, call the city home.
Houston offers numerous interstates and highways to support the transport needs of its two million plus residents, including I-610, I-10, I-45, and I-69. Traffic can be chaotic during morning and afternoon rush hours, so adhering to Texas state driving laws is vital to prevent accidents and unnecessary traffic citations.
Texas law requires all drivers to purchase a liability insurance policy with a minimum of 30/60/25 coverage. However, if you bought your car using an auto loan or lease, you may be required to obtain additional coverage according to your loan contract.
Your location and zip code play a big role in your insurance rates. Use EverQuote to compare car insurance quotes in Houston and keep more of your hard-earned money.
How much is car insurance in Houston, TX?
The total cost of car insurance in Houston will depend significantly on the type of coverage you're looking for. For a rough sense of the cost, here are the average prices we see for the 3 most common types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Houston?
It is quite difficult to meaningfully assess and rank the cost of insuring every possible car make, model, and year combination in the city. But if you're curious about what newer models tend to be on the more affordable end for insurance, here are the top 10 cheapest car make and models to consider if you live in Houston:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $227 |
| 2 | Subaru Forester | $228 |
| 3 | Honda Cr-V | $229 |
| 4 | Toyota Corolla | $232 |
| 5 | Kia Sedona | $234 |
| 6 | Ford Fusion | $235 |
| 7 | Toyota Rav4 | $235 |
| 8 | Kia Sol | $236 |
| 9 | Toyota Tacoma | $237 |
| 10 | Ford F-150 | $244 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
If you've had a minor fender bender, a serious crash, a couple of speeding tickets, a DUI, or hit and run – understand that it could all make a difference to how much you're paying to stay insured in the city. Below is a breakdown of how prices change with common claims and violations in Houston, sorted form least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $235 | 0% |
| Not at-fault Accident | $252 | +7% |
| Driving with expired registration | $270 | +15% |
| Speeding Ticket | $289 | +23% |
| DUI | $323 | +37% |
| Driving with a suspended license | $347 | +48% |
| Hit and Run | $355 | +51% |
| At-fault Accident | $383 | +63% |
What car insurance discounts can I get in Houston?
There are several discounts that could help bring down your costs in Houston. Among these are multi-policy bundling, upfront payment discounts, signing up for paperless transactions, and loyalty-based renewal discounts, to mention a few. The following list, sorted from the largest discount to the smallest, can guide you towards potential cost-saving strategies:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $207 | +$28 |
| Paid in Full | $222 | +$13 |
| Multi-Policy Renters | $225 | +$10 |
| Low Mileage | $225 | +$10 |
| Renewal discount | $226 | +$9 |
| Paperless | $231 | +$4 |
| Electronic Funds Transfer | $233 | +$2 |
| None | $235 | $0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.