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By Sandra Cruz | Updated March 9, 2021

Houston drivers pay an average of $139 monthly for an auto insurance. Age, marital startus, credit tier, and location are a few factors Houston car insurance companies consider when providing quotes. Looking for a new quote in Houston? Insurance Online compares rates from the best affordable auto insurance companies. Get your comprehensive auto insurance quote comparison today in less than 60 seconds by our form below.

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Houston Average Car Insurance Rates

The average annual cost of car insurance in Houston is $1,671. It is significantly higher than the statewide average of $1,415 and the nation’s average of $1,548. Your age group, marital status, location, and credit score are a few factors that influence your individual car insurance rate. It is important to compare multiple car insurance companies in Houston to get the best deal for your unique driving profile.

Houston Average Car Insurance Rates by Insurer

Finding the best car insurance company for your driving profile is one way to save on your car insurance rates in Houston. Choosing the cheapest plan is not always an option if you live in areas prone to theft, crime, or potential driving hazards. Additionally, if you have been in an at-fault accident in the past, your rate will increase. However, if you have a clean driving record and a good driving profile, your insurance company will likely offer cheaper rates. USAA has the most affordable car insurance in Houston and offers additional coverages and benifits.

Houston Car Insurance Rates by Company

Company Name Monthly Rate Yearly Rate
USAA $119 $1,426
State Farm $120 $1,444
GEICO $124 $1,488
Allstate $233 $2,798

Houston Car Insurance Rates by Age Bracket

Age is accounted for by insurance companies in Houston to determine a drivers ability to operate a vehicle. Houston drivers in the 50s age bracket pay cheaper rates than drivers in the 60s and 70s age brackets. Additionally, teenage drivers in Houston have the highest rates, as they are considered high-risk drivers.

Average Houston Car Insurance Rates by Age Group

AGE GROUP Monthly Rate Annual Rate
Teenagers $355 $4,263
20s $181 $2,168
30s $137 $1,645
40s $121 $1,603
50s $134 $1,454
60s $126 $1,508
70s $155 $1,862

Houston Car Insurance Rates by Marital Status and Gender

Another factor that contributes to your car insurance rate in Houston is your marital status. Married drivers in Houston pay lower rates than single drivers. Married individuals are considered responsible drivers and more financially stable.

Additionally, gender is another factor that affects Houston car insurance rates. Male drivers in Houston pay $8 more than female drivers. Female drivers are considered more careful drivers than males. Hence, female drivers are entitled to an $8 discount.

Houston Car Insurance Premiums by Marital Status and Gender

Gender Monthly Rate Yearly Rate
Female $139 $1,663
Male $139 $1,671
Marital Status Monthly Rate Yearly Rate
Single $130 $1,563
Married $130 $1,563
Divorced $139 $1,671
Widowed $127 $1,524

Houston Car Insurance Rates by Citation and Driving Record

Houston auto insurance companies account for your driving record when calculating your quotes. If you have reckless driving citations or speeding tickets, your annual insurance premium rate will increase substantially.

Reckless driving citations will result in an increase of up to $920 on your yearly insurance premium, while speeding tickets will add $144 to your rate. DUI/DWI violations can cause an additional $941 to be added to your annual rate. Therefore, maintaining a clean driving history to receive a cheaper car insurance premium in Houston.

Houston Car Insurance Rates by Violation Record and Driving History

Violation Monthly Rate Annual Rate
DWI/DUI $218 $2,612
Reckless Driving $216 $2,590
At-Fault Accident (less than $1000 damages) $178 $2,133
At-Fault Accident (greater than $2000 damages) $212 $2,547
Speeding Ticket (over 16-20 mph over speeding limit) $151 $1,815

Houston Car Insurance Rates by Credit Tier

Houston drivers with excellent credit scores enjoy cheaper auto insurance rates. If a driver substantially elevates their credit score from “Very Poor” (300-579) to “Exceptional” (800-850), it will garner as much as 61% in savings on their car insurance cost. Additionally, if you take a small step towards “Fair” credit from the “Very Poor” tier, it will also gain you savings of up to $1,455 on your yearly premium. Thus, drivers in Houston should consider improving their credit score as one way to save on auto insurance rates.

Houston Car Insurance Rates by Credit Score

Credit Score Monthly Rate Annual Rate
Very Poor $295 $3,536
Fair $174 $2,082
Good $139 $1,671
Very Good $129 $1,551
Exceptional $114 $1,372

Houston Auto Insurance Rates by Location

Location is another contributing factor to your auto insurance rates. If you reside in areas considered high-risk in Houston, it is likely for your auto insurance cost to increase. Some places in Houston are prone to accidents, theft, crime, and uninsured motorists. These areas have more expensive rates by 22% ($326) than areas considered lower-risk in Houston.

Average Auto Insurance Rates by Location in Houston

Houston ZIP Codes with Expensive Rates Houston ZIP Codes with Cheaper Rate
77201 77095
77011 77070
77016 77005
77076 77339
77078 77489

Houston Driving and Weather Conditions

Weather conditions trigger auto accidents in Houston, TX. Drivers experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.

Houston experiences an average of 104 rainy days annually, with occasional thunderstorms and flash floods. Hence, auto insurers consider climate when calculating a quote.

List of Car Insurance Company in Houston

21st Century
Aggressive Insurance
AmWINS Heritage
Amica Mutual Insurance
Assurance America
Bristol West
Cal Casualty
Commonwealth Casualty
Direct Auto
Germania Mutual
Jupiter Auto
Kemper Auto
Kemper Preferred
Lamar General Agency
Liberty Mutual
National General
Pronto Flex
Safe Auto
Safeway Insurance Company
State Auto
State Farm
Texas Farm Bureau
The General
The Hartford

Houston Car Insurance FAQs

What should I do if I lent my car to a friend and it was totaled in Houston?

You can file a claim and find out if your insurance company will cover the expenses. Also, if your friend who drove the car has renters or homeowners insurance, they can use their own liability claim.

I damaged my side mirror. Is it possible for my car insurance rate in Houston to increase?

Filing a claim regarding any damage to the vehicle will result in a rate increase. If you don’t know who hit or damaged your side mirror, it is best to carry the expense from out of pocket.

I got “hit and run” in Houston. Is it possible for my rate to increase?

Typically, such an accident will appear on your driver’s record. The coverage will depend on how the accident is reflected on your record.

Sandra Cruz

Sandra Cruz | Linkedin

Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.