Compare the Cheapest Car Insurance Quotes in Houston, TX

Below are the best information about Insurance companies in houston public topics compiled and compiled by our team

At $887 and $464, respectively, Farmers offers the most affordable full coverage and minimum coverage insurance in Houston. State Farm provides the cheapest insurance for drivers with a speeding ticket at $972. If you’re from a military family, USAA may be an affordable option as well.

GEICO ranked highest overall in the city as per MoneyGeek’s analysis, balancing both cost and customer service.

The most affordable full coverage policies for drivers in Houston are:

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

USAA offers Houston’s second most affordable full coverage policy at $967, but is only available to qualified former and current military members and their families.

Farmers full coverage policy costs $3,066 less than the most expensive policy offered by The General. Full coverage policies include comprehensive and collision insurance; however, rates can vary significantly depending on the liability limits you choose.

Cheapest Car Insurance in Houston

Average insurance premiums were evaluated in accordance with MoneyGeek’s methodology, which uses a 40-year-old male driver in Houston with a full coverage policy.

A full coverage auto insurance is much costlier than a minimum coverage policy but adds comprehensive and collision insurance 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 car, you may end up paying more for insurance than what your car is worth. In such a scenario, liability-only insurance or state minimum insurance could be a better choice to get affordable rates.

The cheapest auto insurance policies in Houston are those that meet the state’s minimum coverage requirements. The most affordable options for such coverage are:

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

At $474 per year, USAA is the second most affordable option for military families. Farmers’ annual premium is $1,464 cheaper than the most expensive state minimum liability provider in Houston, The General.

Although minimum coverage plans are the most affordable, they don’t include comprehensive and collision insurance and have lower liability limits, all of which puts you at risk of not being fully covered.

To see how prices may change with different liability limits, check out the table below.

Cheapest Minimum Liability Car Insurance in Houston

An insurance policy that meets the minimum requirements in Texas includes liability coverage only. While this is the cheapest insurance option in Houston, it provides the least protection.

In the event of an accident, you may end up paying much more out of pocket than you saved on premiums. For example, Texas minimum liability covers $30,000 in bodily injury. That means if you’re at fault in an accident and the other party’s medical bills are $40,000, you’ll have to pay the remaining $10,000 yourself.

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 increased insurance premiums by improving your driving history over time. In the meantime, look around for the best cheap car insurance options for drivers with bad records.

Cheapest Car Insurance in Houston With a Violation

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 vehicle.

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. Also consider that in Houston, a Farmers policy for a driver with DUI record is nearly twice as expensive as a policy for a driver with a clear record.

Car insurance companies in Houston assess the risk 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’s important for you to request a personalized quote regularly to make sure that you are getting the cheapest car insurance quote that is best suited for you.

MoneyGeek ranked car insurance companies that balance affordability and quality service for drivers in Houston. The best auto 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’s rating system and may be the best option for veterans, military members and their families.

MoneyGeek evaluated customer satisfaction, affordability and insurer financial stability to calculate the final scores. We also used data from data analytics and consumer intelligence company J. D. Power and other independent outfits.

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

Methodology and Assumptions

MoneyGeek gathered premiums and information from J.D. Power, AM Best and the NAIC to score insurers in Houston as follows:

  • Affordability (70%)
  • Customer satisfaction (10%)
  • Claims (10%)
  • Financial stability (10%)

Affordability took a collection of driver profiles with varying ages, records and coverages into account. We transposed the data for each criterion toa five-points scale and then cast this number out of 100 to generate our MoneyGeek score.

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