Table of contents
Cheapest car insurance companies in Houston
The biggest varying in your policy cost will be the company you choose, so you ’ ll want to shop around to be convinced you ’ re getting the best rate. In Houston, these are the cheapest car indemnity companies based on average rates for a 35-year-old driver with good credit and a clean drive record, according to NerdWallet ’ s most holocene analysis. It ‘s significant to remember that rates are determined individually, so these may not be the cheapest companies for you .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 1,404 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| state grow | $ 1,467 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| countrywide | $ 1,534 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 1,629 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Republic Group | $ 1,643 | not yet rated |
| Texas Farm Bureau | $ 1,656 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| Esurance | $ 1,760 | not however rated |
| Houston General | $ 1,883 | not so far rated |
| National General | $ 2,019 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| mercury | $ 2,121 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
See what you could save on car insurance
easily compare personalized rates to see how much switch car policy could save you.
ZIP Code
Get started on Insure.com
Average car insurance cost in Houston and Texas
Rates across Texas differ from those in Houston for lots of reasons. The total of accidents, the type of roads and tied the upwind can affect the rates drivers are charged. According to NerdWallet ’ s most late analysis, the median rate in Texas is $ 1,717, while in Houston, it ‘s $ 1,963 .
|
Average city rate |
Average state rate |
|---|---|
| $1,963 | $1,717 |
Average cost of car insurance in Houston’s 10 largest ZIP codes
The cost of car policy varies based on where you live, even from one vicinity to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet ’ randomness analysis, here are the 10 most populate ZIP codes in Houston and the average annual cost of car indemnity for a 35-year-old driver with good credit rating and a clean drive record .
|
ZIP Code |
Average Rate |
|---|---|
| 77036 | $1,998 |
| 77083 | $1,977 |
| 77084 | $1,941 |
| 77379 | $1,821 |
| 77429 | $1,861 |
| 77449 | $1,898 |
| 77450 | $1,826 |
| 77479 | $1,805 |
| 77573 | $1,771 |
| 77584 | $1,801 |
Cheap car insurance in Houston by age
Along with where you live, your age is another major factor in the monetary value you pay for car indemnity. For case, younger drivers normally pay more than older drivers with similar driving histories and credit scores due to having less experience on the road. You could easily find that the cheapest company for you changes as you age. here ‘s a breakdown of prices in Houston for similar drivers at assorted ages, according to NerdWallet ’ s most holocene analysis.
Cheapest for 20-year-olds
While adolescent drivers are the most probably to be in an accident, 20-year-old drivers are calm relatively new to the road. A higher rate of accidents among younger drivers means they besides pay more for car policy. According to NerdWallet ’ s most late psychoanalysis, here ‘s what 20-year-olds in Houston pay, on average .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| USAA | $ 2,559 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Texas Farm Bureau | $ 2,570 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| Geico | $ 2,998 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| express farm | $ 3,065 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| nationally | $ 3,651 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Houston General | $ 3,749 | not however rated |
| Esurance | $ 4,670 | not yet rated |
| embrace | $ 4,772 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| Republic Group | $ 4,842 | not so far rated |
| Chubb | $ 4,895 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
Cheapest for 35-year-olds
By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurance company you found in your 20s may no long be the best softwood. here ’ s what 35-year-old drivers might pay, on average, in Houston, according to NerdWallet ’ second analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 1,404 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| express grow | $ 1,467 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| countrywide | $ 1,534 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 1,629 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Republic Group | $ 1,643 | not even rated |
| Texas Farm Bureau | $ 1,656 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| Esurance | $ 1,760 | not yet rated |
| Houston General | $ 1,883 | not yet rated |
| National General | $ 2,019 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| mercury | $ 2,121 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
Cheapest for 60-year-olds
At age 60, your car indemnity rates are about arsenic low as they ‘re going to get if your history is clean. Most drivers in this senesce group have lots of experience on the road and established driving records, so insurers know what they ‘re getting into and charge less consequently. That does n’t mean you wo n’t be able to save money by bundling or tapping into other discounts, so keep patronize about. Below are the cheapest companies, on average, in Houston, according to NerdWallet ’ s most recent psychoanalysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 1,260 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| nationally | $ 1,331 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| state farm | $ 1,347 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| Texas Farm Bureau | $ 1,381 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| Republic Group | $ 1,414 | not yet rated |
| USAA | $ 1,475 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Esurance | $ 1,528 | not yet rated |
| Houston General | $ 1,532 | not even rated |
| mercury | $ 1,753 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| National General | $ 1,788 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
See what you could save on car insurance
well compare personalized rates to see how much switch car insurance could save you.
ZIP Code
Get started on Insure.com
Houston’s cheapest companies and rates by driving record
Your driving history besides plays a large function in your car indemnity rate. Drivers who have clean records will normally pay less than those with accidents, speeding tickets or early violations. Again, comparing indemnity companies is your best bet to getting the lowest rate. According to NerdWallet ’ randomness analysis, these are the median rates in Houston by company for beneficial drivers and those with violations on their read.
Good drivers
Drivers without any marks on their records are about constantly going to pay the lowest prices for car policy when compared to drivers with an accident or driving misdemeanor. Insurers set rates based on the electric potential risk of you filing a claim, and estimable drivers are considered among the least bad. hera are the average rates for good drivers in Houston according to NerdWallet ’ s most holocene analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 1,404 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| state farm | $ 1,467 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| countrywide | $ 1,534 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 1,629 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Republic Group | $ 1,643 | not even rated |
| Texas Farm Bureau | $ 1,656 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| Esurance | $ 1,760 | not yet rated |
| Houston General | $ 1,883 | not however rated |
| National General | $ 2,019 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| mercury | $ 2,121 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
Drivers with a DUI
Drivers with a DUI can struggle to find low-cost insurance and may need to turn to a bad cable car policy ship’s company. A DUI on your record means you should expect to pay well more than a driver without one. here are the median rates for drivers with a DUI in Houston according to NerdWallet ’ s most late analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,760 | not however rated |
| Republic Group | $ 2,118 | not yet rated |
| Geico | $ 2,142 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| National General | $ 2,336 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| USAA | $ 2,402 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| state grow | $ 2,454 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| Houston General | $ 2,480 | not so far rated |
| mercury | $ 2,716 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| countrywide | $ 3,183 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Dairyland | $ 3,199 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
Drivers with an at-fault accident
If you ‘ve got an at-fault accident on your record, you ‘ll pay more than a driver with a clean record, but probably less than person with a DUI. Your indemnity caller may ask for details about the accident to determine your pace — a fender bender will likely be treated differently from an accident caused by running a crimson light. here are the cheapest average rates for drivers with an at-fault accident on their phonograph record in Houston, according to NerdWallet ’ s most late analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| country grow | $ 1,846 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| Geico | $ 2,104 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Republic Group | $ 2,373 | not yet rated |
| countrywide | $ 2,511 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 2,565 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Texas Farm Bureau | $ 2,674 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| Houston General | $ 3,189 | not even rated |
| Chubb | $ 3,419 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Redpoint County Mutual | $ 3,828 | not yet rated |
| Esurance | $ 3,914 | not so far rated |
See what you could save on car insurance
easily compare personalized rates to see how much switch cable car policy could save you.
ZIP Code
Get started on Insure.com
Shop around to get cheap insurance
No matter what company you ‘re presently getting car indemnity from, remember that it ‘s crucial to shop around and compare quotes from multiple companies. Prices and offers change over prison term, and you may be able to save by switching to another insurance company. Be certain to take advantage of electric potential discounts. many insurers offer car insurance discounts for things like bundling other types of indemnity with your car policy or going years without filing a claim.
Methodology
For our “ good driver ” profile, NerdWallet averaged policy estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest indemnity companies in each country ; smaller insurers were besides included when rates were available. Liberty Mutual and its subsidiaries were excluded from our psychoanalysis as rates were not made available. We used a 35-year-old driver ( unless a different old age is stated ) and a 2019 Toyota Camry L and assumed 12,000 annual miles drive. For full coverage policies, we used the comply coverage limits :
- $ 100,000 bodily injury liability per person .
- $ 300,000 bodily wound indebtedness per accident .
- $ 50,000 place damage liability per accident .
- $ 100,000 uninsured motorist coverage per person .
- $ 300,000 uninsured motorist coverage per accident .
- Collision coverage with a $ 1,000 deductible .
- comprehensive examination coverage with a $ 1,000 deductible .
Where required by law, minimum extra coverages were added. Some policies include extra coverages at the insurance company ’ sulfur delicacy. We used the same assumptions for all other driver profiles, with the follow exceptions :
- For drivers with minimum coverage, we adjusted the numbers above to reflect the minimal required coverage by law in the submit.
- For drivers with one at-fault crash, we added a single at-fault barge in that happened six months ago, resulting in $ 10,000 in property damage and no bodily injury claim .
- For drivers with a DUI, we added a single bibulous driving violation that happened six months ago .
These are rates generated through Quadrant Information Services. Your own rates will be different .