Compare the Cheapest Car Insurance Quotes in Houston, TX

At $ 887 and $ 464, respectively, Farmers offers the most low-cost full coverage and minimum coverage indemnity in Houston. State Farm provides the cheapest insurance for drivers with a rush ticket at $ 972. If you ’ re from a military family, USAA may be an low-cost option ampere well. GEICO ranked highest overall in the city as per MoneyGeek ’ sulfur analysis, balancing both cost and customer service .iconribbon best car insurance

Houston 2022

The Cheapest and Best Car Insurance in Houston

The Cheapest Car Insurance Companies in Houston

The most low-cost full coverage policies for drivers in Houston are :

  • Farmers: $887 per year
  • State Farm: $972 per year

USAA offers Houston ’ south second most low-cost fully coverage policy at $ 967, but is only available to qualified former and current military members and their families. Farmers broad coverage policy costs $ 3,066 less than the most expensive policy offered by The General. Full coverage policies include comprehensive examination and collision insurance ; however, rates can vary importantly depending on the liability limits you choose .

Cheapest Car Insurance in Houston

Full Coverage 100/300/100 average insurance premiums were evaluated in accord with MoneyGeek ’ s methodology, which uses a 40-year-old male driver in Houston with a wax coverage policy. A full coverage car insurance is much costlier than a minimum coverage policy but adds comprehensive and collision policy to minimum liability. That coverage gives you more protection after an accident and helps pay for damages to your vehicle .

  • Comprehensive Coverage: This coverage pays for your repairs if your car gets damaged outside of an accident.
  • Collision Coverage: If you’re in an accident, this coverage pays for the damage to your vehicle.

If you opt for full coverage for an older cable car, you may end up paying more for policy than what your car is worth. In such a scenario, liability-only insurance or state minimum indemnity could be a better choice to get low-cost rates .

Compare Car Insurance Rates in Houston

see you ‘re getting the best rate for your car insurance. Compare quotes from the top insurance companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Houston for Minimum Coverage

The cheapest car policy policies in Houston are those that meet the state ’ randomness minimum coverage requirements. The most low-cost options for such coverage are :

  • Farmers: $464 per year
  • State Farm: $528 per year

At $ 474 per year, USAA is the second most low-cost option for military families. Farmers ’ annual premium is $ 1,464 cheaper than the most expensive department of state minimal liability supplier in Houston, The General. Although minimum coverage plans are the most low-cost, they do n’t include comprehensive and collision policy and have lower liability limits, all of which puts you at risk of not being amply covered. To see how prices may change with unlike liability limits, check out the table below .

Cheapest Minimum Liability Car Insurance in Houston

state Minimum An insurance policy that meets the minimal requirements in Texas includes indebtedness coverage only. While this is the cheapest indemnity option in Houston, it provides the least auspices. In the event of an accident, you may end up paying much more out of pocket than you saved on premiums. For exemplar, Texas minimum liability covers $ 30,000 in bodily injury. That means if you ’ re at demerit in an accident and the other party ’ s medical bills are $ 40,000, you ’ ll have to pay the remaining $ 10,000 yourself .

Texas Minimum Liability Requirements

  • detail description
  • Bodily Injury and Property Damage $ 30,000 per person, $ 60,000 per accident and $ 25,000 for property price. A more protective level is 100/300/100 .

Cheapest Car Insurance in Houston if You Have Driving Violations

Driving violations such as DUIs, speeding tickets and at-fault accidents can increase your insurance costs substantially.
The best insurers for drivers with violations in Houston are :

  • Cheapest after a ticket: State Farm, $972 per year
  • Cheapest after an at-fault accident: State Farm, $1,171 per year
  • Cheapest after a DUI: Esurance, $1,302 per year

If you do have prior violations in Houston, you can reduce your increase insurance premiums by improving your driving history over prison term. In the interim, look around for the best bum car indemnity options for drivers with bad records .

Cheapest Car Insurance in Houston With a Violation

Speeding ticket

Average Cost of Car Insurance in Houston

Houston

$1,560

Texas

$1,316

U.S.

$1,424

The average annual cost of car insurance in Houston is $ 1,560, which is higher than the Texas department of state average and the national average cost of car insurance. Drivers in Houston pay 18.5 % more than the average annual monetary value of cable car insurance in Texas and 9.5 % more than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Houston

There are several factors that need to be considered when determining car insurance quotes in Houston. These factors include the driver ‘s age, gender, ZIP code, driving record and the make and model of the fomite. For example, in Houston, a Farmers policy for an 18-year-old driver is approximately four times more expensive than a policy for a 40-year-old driver. besides consider that in Houston, a Farmers policy for a driver with DUI read is about twice a expensive as a policy for a driver with a clear criminal record. car indemnity companies in Houston assess the hazard associated with the driver to determine the best car insurance rates for them. The factors used in the calculation can change over time, so it ’ south crucial for you to request a personalize quote regularly to make indisputable that you are getting the cheapest car insurance quote that is good suited for you .

Compare Car Insurance Rates in Houston

see you ‘re getting the best rate for your car insurance. Compare quotes from the clear indemnity companies. widget-location-pin

The Best Car Insurance Companies in Houston

MoneyGeek ranked car policy companies that balance affordability and quality service for drivers in Houston. The best car insurers based on these criteria are :

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA ranked highest as per MoneyGeek ’ south rate system and may be the best option for veterans, military members and their families. MoneyGeek evaluated customer satisfaction, affordability and insurance company fiscal stability to calculate the final scores. We besides used data from data analytics and consumer intelligence caller J. D. Power and other independent outfits .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

GEICO

mark :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 3

State Farm

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4

Auto Club of Southern California Insurance Group

score :

85

5/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 5

Allstate

score :

80

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 6

Progressive

score :

80

3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 7

Nationwide

grade :

80

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8

Farmers

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 9

Liberty Mutual

score :

72.5

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability

Average Cost of Car Insurance by Postal Code

different cities have different car indemnity rates. Car indemnity companies take your specific residential address into consideration when calculating your cable car insurance quotes. unlike locations have different statistics for car accidents and this difference is reflected in the varying prices of cable car insurance policies. For exemplar, drivers who live in the 77036 ZIP code in Houston pay an average of $ 304 more in annual car indemnity premiums than drivers who live in ZIP code 77095, the city ’ s most low-cost region for car policy .

  • Zip Code State Minimum

    per year

  • 77095

    $1,429

  • 77077

    $1,453

  • 77015

    $1,455

  • 77084

    $1,508

  • 77082

    $1,552

  • 77083

    $1,628

  • 77072

    $1,719

  • 77036

    $1,733

Factors That Impact Insurance Costs in Houston

In summation to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of black accidents besides contribute to cable car policy rates in Houston. How Houston ranks compared to the 300 most populous cities in the United States can have a significant impingement on premium costs .accident2 icon Most Accidents With Fatalities

113th

/ 300handcuffs2 icon Most car Thefts

188th

/ 300uninsured icon Most uninsured Motorists by State

16th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

28th

/ 300umbrella icon Most showery Days

150th

/ 300

Methodology and Assumptions

MoneyGeek ’ randomness average premium rates for Houston are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their commemorate. Additional premiums are added based on coverage type, localization and drive criminal record. Learn more about MoneyGeek ’ south data and methodology here. About the author

expert-profileexpert-profile Mark Fitzpatrick is a senior contentedness director with MoneyGeek specializing in policy. Mark has years of experience analyzing the policy marketplace and creating original inquiry and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

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