Houston, Texas ’ biggest city, has policy rates that tend to be more expensive than the state average. But you can inactive find savings by shopping around for your best rates. In fact, the cheapest minimal policy policy costs $ 777 on average, while the most expensive minimum policy costs $ 2,405 on average, highlighting the importance of getting car insurance rates from multiple companies before making a decision .
Cheapest car insurance for a minimum coverage policy in Houston
Loya had the cheapest car indemnity quotes, with an average premium of $ 777 — about one-half adenine expensive as the city average. The adjacent good car insurance company for Houstonians is State Farm, which is around $ 14 per class more expensive at an modal price of $ 791.
Qualified early and current military members should consider obtaining a quote from USAA, which costs $ 526 on modal and is the cheapest overall insurance company .
Find Cheap Auto Insurance Quotes in Houston
presently insured ?
|
Rank |
Auto insurer |
Average annual rate |
|---|---|---|
| 1 | Loya | $777 |
| 2 | State Farm | $791 |
| 3 | Chubb | $956 |
| 4 | Geico | $1,200 |
| 5 | Nationwide | $1,313 |
| 6 | Allstate | $1,771 |
| 7 | Dairyland | $1,815 |
| 8 | MetLife | $2,405 |
| N/A* | USAA | $526 |
Given Houston ’ randomness high car policy prices, it might seem worthwhile and cost-efficient to purchase a minimum liability policy. however, indebtedness policy wo n’t protect against the monetary value of damage to your own vehicle. If you get into an expensive doss, you won ’ deoxythymidine monophosphate be covered by the minimal policy and will have to pay out of pocket costs to repair your cable car .
We recommend drivers who own raw or expensive vehicles invest in extra coverage or wide coverage policy. { “ backgroundColor ” : ” frost ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeImage — ancestor left\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeImage — image-container \ ” \u003E\n \u003Cimg alt=\ ” icon of car\ ” class=\ ” ShortcodeImage — image lazyload\ ” style=\ ” width : 60px ; \ ” data-src=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_1.0, f_auto, h_1600, q_auto, w_60\/v1\/static\/icons\/car-stroke2\ ” src=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_2.0, e_blur:1000, f_auto, h_1600, q_1, w_60\/v1\/static\/icons\/car-stroke2\ ” data-srcset=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_1.0, f_auto, h_1600, q_auto, w_60\/v1\/static\/icons\/car-stroke2 1x, hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_2.0, f_auto, h_1600, q_auto, w_60\/v1\/static\/icons\/car-stroke2 2x\ ” \u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWe recommend drivers who own newfangled or expensive vehicles invest in extra coverage or \u003Cspan\u003E\u003Ca class=\ ” ShortcodeLink — root ShortcodeLink — black\ ” title=\ ” full coverage policy\ ” href=\ ” hypertext transfer protocol : \/\/www.valuepenguin.com\/best-cheap-full-coverage-auto-insurance\ ” \u003Efull coverage policy\u003C\/a\u003E\u003C\/span\u003E. \n ”, ” padding ” : ” double ” }
Cheapest company in Houston for full coverage insurance
Loya, State Farm and Geico have the cheapest minimum and full coverage policies, costing less than $ 2,000 annually. Drivers who are interested in switching from a minimal policy to a full coverage policy will see the smallest price leap with Loya. Loya ’ mho fully coverage policy is $ 444 more expensive on average than its minimum policy .
USAA had one of the cheapest entire coverage policies, averaging $ 1,496 per year, but the company entirely insures dependent military members and their family members .
|
Rank |
Company |
Average annual premium |
|---|---|---|
| 1 | Loya | $1,221 |
| 2 | State Farm | $1,731 |
| 3 | Geico | $2,633 |
| 4 | Chubb | $2,708 |
| 5 | Nationwide | $2,849 |
| 6 | Dairyland | $5,014 |
| 7 | Allstate | $5,334 |
| 8 | MetLife | $6,191 |
| N/A* | USAA | $1,496 |
A full coverage policy can cost a much as three times more than a minimum policy. Paying more for a fully coverage policy means that you not only meet the submit indemnity requirements but you will besides receive comprehensive examination and collision coverage .
comprehensive
Protects against “ acts of God ” or damage caused by circumstances out of your restraint, including storms, vandalism and falling collision
Protects you in cases where you crash your car into another object, or your cable car flips over or is driven into a ditch If you have a car that is less than 10 years erstwhile or an expensive car worth more than $ 3,000, fully coverage is recommended. comprehensive examination covers situations that are unpredictable and out of your operate, while collision covers some of the most common ways your vehicle can receive wrong. { “ backgroundColor ” : ” frosting ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Cp\u003EIf you have a car that is less than 10 years previous or an expensive car worth more than $ 3,000, wax coverage is recommended. comprehensive covers situations that are unpredictable and out of your control condition, while collision covers some of the most common ways your vehicle can receive price. \n ”, ” padding ” : ” doubly ” }
Cheapest car insurance for drivers with prior accidents
Nationwide, State Farm and Loya had the smallest premium increase for a driver with an accident history. Nationwide, notably, has no price change following an accident causing $ 2,000 in property damage, according to our data. Loya and State Farm increased prices by around $ 300 .
Depending on your cable car policy company, you could see your premium costs about double after an accident. With indemnity premiums in Houston already higher than average, drivers with an accident history have the extra challenge of finding coverage that won ’ thyroxine ruin their budget. Your accident history is one of the biggest factors that will affect your quote. If you ’ ve had an accident, policy companies will likely raise your rates .
|
Insurer |
Rate before accident |
Rate after accident |
Diff. |
|---|---|---|---|
| Loya | $1,221 | $1,536 | $315 |
| State Farm | $1,731 | $2,024 | $293 |
| Geico | $2,633 | $4,162 | $1,529 |
| Chubb | $2,708 | $4,589 | $1,881 |
| Nationwide | $2,849 | $2,849 | $0 |
| Dairyland | $5,014 | $6,695 | $1,681 |
| Allstate | $5,334 | $8,573 | $3,239 |
| MetLife | $6,191 | $11,559 | $5,368 |
| USAA | $1,496 | $2,255 | $759 |
You can lessen the impingement of an accident on your rates by taking advantage of your insurance company ’ s discounts that you may already qualify for. You can receive discounts for having anti-theft gear installed in your car, wearing seatbelts or taking defensive drive courses .
Cheapest full coverage auto insurance for young drivers
car policy rates are higher for young and inexperienced drivers than for older drivers. Teens and young adults are more likely to be involved in an accident because they have less repel feel and are therefore seen as more hazardous investments to insurance companies.
The most low-cost insurance companies for the average 18-year-old driver are State Farm and Geico, which have premiums under $ 6,000 per year. USAA is by far the cheapest insurance company, costing under $ 3,000 per year. We recommend that former and stream military members and their kin members reach out to USAA for a quote .
|
Rank |
Insurer |
Average annual premium |
|---|---|---|
| 1 | State Farm | $5,316 |
| 2 | Geico | $5,712 |
| 3 | Loya | $6,068 |
| 4 | Chubb | $7,098 |
| 5 | Allstate | $10,113 |
| 6 | Nationwide | $11,148 |
| 7 | Dairyland | $12,026 |
| 8 | MetLife | $20,261 |
| N/A* | USAA | $2,738 |
insurance for young people is expensive, but you should however reach out to respective insurers to receive quotes. If you find that quotes are however besides expensive even after contacting multiple companies, you can :
- Ask about discounts. Many insurers have discounts specifically for young people in school such as the good student discount.
- Talk to your parents about being on their insurance policy. Staying on a combined policy with other family members will be cheaper than having two separate policies.
Best car insurance company in Houston
The best insurance company will have not entirely low-cost prices but besides high-quality customer avail. That means fast serve times, 24/7 customer serve and loose communication. The best Texas car insurance companies with the strongest customer service, measured by the frequency of customer complaints, are Farmers, Chubb and Travelers .
When deciding which insurance company to rely on, you need to strike a libra between service and cost. Loya, which has the most low-cost minimum and full coverage policy, is listed as having the worst customer service out of 14 insurers. many customers cited a lack of return calls or retentive claims settlement as a cause .
It ’ second crucial that you ask yourself which party will not alone get you the best savings but besides ensure that your problems are being taken care of .
|
Rank |
Insurer |
Market share |
NAIC Index |
|---|---|---|---|
| 1 | Farmers Insurance | 6.7% | 0.16 |
| 2 | Chubb | 0.4% | 0.27 |
| 3 | Travelers | 1.9% | 0.34 |
| 4 | Nationwide | 1.5% | 0.39 |
| 5 | Progressive | 13.9% | 0.40 |
Show All Rows A low complaint index indicates that consumers filed complaints about a given party to Texas department of state regulators less frequently than others, adjusted for market share .
Cost of car insurance in Houston by neighborhood
car policy rates will actually vary depending on which part of Houston you live in. For exemplify, drivers in Addicks, one of the more cheap areas, have average rates that are $ 144 cheaper than in Sharpstown, the most expensive vicinity. flush if you live in an expensive region, you can hush find low-cost car indemnity if you shop about. Getting quotes from multiple local insurers increases your chances of getting good car indemnity rates .
|
ZIP code |
Neighborhood |
Average premium cost |
|---|---|---|
| 77002 | Downtown | $1,324 |
| 77003 | Downtown / East End | $1,307 |
| 77004 | Binz | $1,353 |
| 77005 | West University Place | $1,248 |
| 77006 | Neartown / Montrose | $1,283 |
Show All Rows
Auto insurance agents in Houston and Harris County
While many insurance companies like Geico and Progressive lease customers get quotes a well as buy policies online, most companies hush want customers to buy policies from agents. That means speaking to one on the phone or in person. We found several insurers and agents around the Houston area :
|
City |
Agent and address |
|---|---|
| Baytown |
|
|
Show All Rows
Minimum car insurance requirements in Texas: The 30/60/25 law
In Texas, drivers have to obey the 30/60/25 police, which requires drivers to hold a certain amount of cable car indemnity for bodily injury liability and property damage liability coverage .
- $30,000 of bodily injury liability per person
- $60,000 of bodily injury liability per accident
- $25,000 of property damage liability
While these minimum amounts tend to be slenderly higher than in most other states, drivers should even consider getting more coverage, such as collision and comprehensive indemnity. Drivers in Texas are besides allowed to purchase personal injury protection ( PIP ). If you do n’t have adept health indemnity to cover injuries from a car accident, you should strongly consider PIP for your policy .
{ “ backgroundColor ” : ” butter ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Ch2 id=\ ” minimum\ ” \u003EMinimum cable car policy requirements in Texas : The 30\/60\/25 law\u003C\/h2\u003E\n\n\u003Cp\u003EIn Texas, drivers have to obey the 30\/60\/25 law, which requires drivers to hold a certain sum of car insurance for bodily injury liability and property damage liability coverage.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeList — settle \ ” \u003E\n\n \u003Cdiv class=\ ” ShortcodeList — content ShortcodeList — content-margin\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeList — column\ ” \u003E\n \u003Cul class=\ ” ListUnordered — root ListUnordered — bullet\ ” \u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 30,000 of bodily injury liability per person\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 60,000 of bodily injury liability per accident\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 25,000 of property damage liability\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EWhile these minimal amounts tend to be slightly higher than in most other states, drivers should still consider getting more coverage, such as collision and comprehensive insurance. Drivers in Texas are besides allowed to purchase \u003Cspan\u003E\u003Ca class=\ ” ShortcodeLink — root ShortcodeLink — black\ ” title=\ ” personal wound protection ( PIP ) \ ” href=\ ” hypertext transfer protocol : \/\/www.valuepenguin.com\/personal-injury-protection-car-insurance\ ” \u003Epersonal injury protection ( PIP ) \u003C\/a\u003E\u003C\/span\u003E. If you do n’t have good health indemnity to cover injuries from a car accident, you should powerfully consider PIP for your policy.\u003C\/p\u003E\n\n\u003Cp\u003E ”, ” padding ” : ” double ” }
Frequently asked questions
Who has the cheapest car insurance in Houston?
The cheapest insurance company in Houston is Fred Loya, with a distinctive monetary value of $ 1,284 per year. That ‘s about 50 % cheaper than the median pace citywide.
Who has the best car insurance in Houston?
Fred Loya is the absolute brassy choice, but State Farm is closely adenine low-cost, and has very dependable service and varied coverage options .
Methodology
Our sample driver is a 30-year-old individual world with poor people credit and no accident history and drives a 2015 Honda Civic EX. Rates are for minimum policy car policy from the top insurance companies in Houston .
For full moon coverage policies, coverage included :
|
Coverage type Read more: Best car insurance companies for 2022 |
Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Property damage | $50,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Uninsured/underinsured motorist property | $50,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin ‘s analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only — your own quotes may be different .