You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow nonindulgent guidelines to ensure that our editorial content is not influenced by advertisers. Our column team receives no send recompense from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a follow-up, you can trust that you ’ re getting credible and reliable information. We value your hope. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in topographic point to ensure that happens. Our editors and reporters thoroughly fact-check column message to ensure the information you ’ ra reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive direct recompense from our advertisers. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first base. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer servicing, policy features and savings opportunities — so you can feel confident about which provider is right for you. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ ra putting your interests beginning. All of our content is authored by highly qualify professionals and reviewed by discipline matter experts, who ensure everything we publish is objective, accurate and worthy of your confidence. Founded in 1976, Bankrate has a long traverse record of helping people make fresh fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making work and giving people confidence in which actions to take next. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Through extensive analysis, Bankrate found the cheapest car insurance companies in Houston to be major insurers Geico, Nationwide, USAA, State Farm and Allstate. Each ship’s company ’ sulfur modal annual full moon coverage premium comes in hundreds of dollars cheaper than the median cost of cable car policy in Houston, Texas. The average price of car indemnity in Houston is $ 2,146 per year for full coverage, or $ 179 per calendar month, according to Bankrate ’ randomness study of 2021 quote annual premiums .
Best cheap car insurance companies in Houston
According to Bankrate ’ s discipline of premiums from Quadrant Information Services, Geico, Nationwide, USAA, State Farm and Allstate are the cheapest car insurance providers in Houston. If you ’ re looking for the best cable car insurance in Texas, you probably care about more than barely your modal annual premium. To present a holistic scene of each company, we besides factored in third-party fiscal force ratings from major bureaus like AM Best and S & P, customer gratification scores from J.D. Power, policy discounts and available coverage options. We calculated a Bankrate Score out of 5.0 points for each supplier by taking into explanation each of these aspects .
| Insurance company | Bankrate Score | J.D. Power score (Texas) | Average annual premium for full coverage | Average annual premium for min coverage |
|---|---|---|---|---|
| Geico | 4.5 | 832/1,000 | $1,529 | $503 |
| Nationwide | 4.1 | Not rated | $1,540 | $584 |
| USAA* | 4.8 | 879/1,000 | $1,556 | $510 |
| State Farm | 4.5 | 838/1,000 | $1,651 | $665 |
| Allstate | 3.8 | 836/1,000 | $2,033 | $700 |
*Not officially ranked by J.D. Power due to eligibility restrictions
Geico
In Houston and across the country, Geico is known for selling low-cost cable car policy coverage. If price is your primary concern, you may want to get a quote from Geico. however, Geico does not offer a wide selection of coverage options. Its policies are fairly basic, but the ship’s company does have a wide variety of discount opportunities that could help drivers save even more money on their premiums. Geico besides has a user-friendly mobile app that allows you to pay bills, make policy changes, call for wayside aid and file claims. however, if you ’ re considering choosing Geico, keep in mind that the company does not offer gap policy like many of its competitors which may be significant if you lease your vehicle. Geico has a hard balance sheet and carries the highest fiscal intensity rate from AM Best : A++ ( Superior ). Learn more: Geico Insurance revue
Nationwide
Nationwide has the second-cheapest median full coverage rate on our number. Although unrated by J.D. Power in Texas for its horizontal surface of customer service, the caller scores a rate of A+ ( Superior ) for fiscal intensity from AM Best. The ship’s company besides has fewer than average policyholder complaints according to the National Association of Insurance Commissioners ( NAIC ). nationally offers a wide scope or policy options, but keep in mind that it offers fewer discounts than several of its competitors.
Read more: Low Cost Auto Insurance – Atlanta, Georgia
Learn more: Nationwide Insurance revue
USAA
USAA may be a good choice for policyholders who are active-duty military members or veterans. The party entirely sells indemnity to the military community and their eligible kin members. If you meet the criteria, USAA may be able to provide you with car indemnity that is well below Greater Houston ’ south average premiums. The company systematically receives high customer satisfaction scores from J.D Power, although it is not eligible for official rate due to its eligibility restrictions. USAA is financially firm and rated A++ ( Superior ) by AM Best. unfortunately, if you don ’ thymine meet its membership requirements, you can ’ t leverage car policy or any other type of insurance merchandise from USAA. Learn more: USAA Insurance review
State Farm
Customers looking for a digital insurance know may want to consider getting a quote from State Farm. The company has a highly-rated mobile app and offers several on-line resources. State Farm besides offers two safe driver usage-based policy programs, Drive Safe and Save for adults and Steer Clear for drivers under 25. additionally, State Farm received an above-industry-average J.D. Power sexual conquest for claims service. This indicates that customers are by and large pleased with the claims process with State Farm. however, State Farm has a below-average customer atonement rat for overall experience in the Texas region and has the second-highest average full coverage agio on our list. Like our early best cable car policy choices in Houston, State Farm boasts a hard counterweight sheet and is rated A++ ( Superior ) by AM Best. Learn more: State Farm Insurance review
Allstate
Allstate offers numerous coverage endorsements to help you to personalize your car policy policy, including custom equipment coverage and coverage options for classical cars. additionally, Allstate offers a long list of discounts for drivers who are looking to lower their rates. Allstate customers may be able to save money on their car policy by insuring a raw vehicle, being a smart student and paying their premiums on fourth dimension. however, Allstate has the highest average annual premiums on our list and scores below average for customer gratification. Its potent balance plane garners an A+ ( Superior ) fiscal intensity fink from AM Best. Learn more: Allstate Insurance review
How to get and keep the cheapest car insurance in Houston
When looking for cheap car insurance, Houston drivers may feel overwhelm, specially considering the dozens of competitive insurance companies in Houston. Below are a list of tips to help you find the cheapest car policy in Houston. To find cheap car insurance in Houston:
- Shop around: The Insurance Information Institute (Triple-I) recommends you get a minimum of three quotes when shopping your auto coverage to compare costs and coverages. You may also want to analyze which companies’ discounts apply to you.
- Pick the best coverage limits for you: Texas law requires drivers to purchase at least minimum liability insurance. Most insurance experts recommend purchasing full coverage car insurance to provide you and your family with financial peace of mind in the event of an accident, but you may want to carefully analyze which coverage options are necessary, according to your financial circumstances. Talking with a local insurance agent may be helpful during this step.
- Choose a safe vehicle: Driving a vehicle equipped with safety features such as an anti-theft device, side airbags and antilock brakes can help reduce your auto insurance costs.
To keep cheap car insurance in Houston:
- Maintain a clean driving record: Collecting marks on your motor vehicle record can greatly increase insurance premiums. To keep cheap insurance rates, you’ll want to stay alert and practice defensive driving. If you already have a series of violations on your record, you may be able to save money by completing an online driver safety course or enrolling in a telematics program.
- Be mindful of where you live: If you’re considering moving to another area of Texas, be mindful that insurance rates can vary significantly between cities. For instance, the average annual cost of full coverage car insurance is $1,771 in Lubbock and $2,146 in Houston.
- Reduce your claims risk: Adding a claim can increase your insurance rates. To reduce your risk of filing a claim, you may want to practice safe driving and invest in a reliable and safe vehicle with technology such as brake assist and electronic stability control.
- Reevaluate your provider: You may want to get new car insurance quotes from the top insurance companies in your area at least annually. If you have a life change such as moving or adding a teen to your car insurance policy, switching auto insurance providers could save you hundreds of dollars.
- Adjust vehicle coverage: As your vehicle ages, you may not need certain coverage options, such as gap insurance. You should reevaluate your car insurance coverage every few years and discuss potential changes with your insurance professional.
Frequently asked questions
What is the best car insurance company?
The best car policy companies in Houston will vary by driver according to more than a twelve individual rat factors, such as old age, gender, fomite construct and model, claims history, your credit-based insurance score, and policy preferences, according to the Triple-I. To find the best car policy ship’s company for you, you may find it helpful to get on-line quotes from multiple providers and analyze their policy offerings. You can besides normally find a list of each company ’ sulfur discounts on its web site to see which deals apply to you. Speaking with an indemnity agentive role about your needs may besides help you assess rebate opportunities .
How much car insurance do I need in Houston?
Texas requires its drivers to carry at least 30/60/25 coverage, which means $ 30,000 in bodily injury indebtedness per person astir to $ 60,000 per accident and $ 25,000 in place damage liability per accident. however, most insurance experts recommend purchasing full coverage policy, which provides you with a much higher level of fiscal security in the consequence of a car accident .
How can I lower my car insurance rates in Houston?
You can much lower your car indemnity to more low-cost rates by seeing what discounts are eligible for. several insurers offer usage-based telematics programs, which track your drive in real-time and offer discounts for safe driving. Geico, one of the cheapest car policy companies on our Houston list, offers discounts to more than 800 professional and alumnus groups. several companies offer discounts to students and claims-free drivers. Your insurance agent may be able to help you find any discounts you missed that would apply to you .
How much does car insurance in Houston cost?
The average price of cable car policy in Houston is $ 2,146 per year for full coverage, or about $ 179 per month, according to Bankrate ’ mho study of quoted annual premiums. however, several brassy car policy companies in Texas offer wide coverage policies for less than Houston ’ randomness average .
Will my car insurance cover hurricane and flood damage to my vehicle?
A minimal coverage car insurance policy does not cover damage from severe weather events. The Triple-I recommends you add optional comprehensive coverage, which protects you from all non-collision damage incidents, such as falling corner branches, hail, flooded roads and even if your vehicle sustains damage inside your home ’ s garage during a storm .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive commemorate, good credit and the following wide coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimal coverage that meets each state ’ second requirements. Our base profile drivers own a 2019 Toyota Camry, permute five days a workweek and drive 12,000 miles annually. These are sample rates and should entirely be used for relative purposes.
Bankrate Score
Bankrate Scores primarily reflect a leaden rank of industry-standard ratings for fiscal potency and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is significant for drivers to be convinced their fiscal protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of convinced customer defend. To determine how well the best car policy companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most impact on the companies ’ Bankrate Scores. As price is a coarse consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurance company handiness, affordability and customer know are much the top priorities, Bankrate besides analyzed each insurance company ’ second on-line and mobile app resources for policy management and claims handling. policy is quickly evolving to keep tempo with our digital world, so these aspects besides carried weight in determining Bankrate Scores .