The Cheapest Car Insurance in Houston…

As the fourth-largest city in the country, Houston is a thriving area with its busy roads and highways full of drivers coming and going. It’s a lively junction found near the Gulf of Mexico and Galveston Bay with more than 2 million residents who call the Magnolia City home. 

With so much ground to cover, the price of auto insurance can vary significantly from place to place, so the cheap auto insurance companies in Houston may not be the same elsewhere. Still, locals have a few options when it comes to the cheapest auto insurance Houston has to offer. 

Cheapest Car Insurance in Houston, TX

The average cost of auto insurance in Houston is priced at $1,076 for a policy with the state minimum coverage. If you opt to purchase a full coverage policy, the average cost is $2,451 for the year. However, Houston auto insurance could be a lot more affordable, depending on which provider you choose.

For example, while a minimum coverage policy from Dairyland Insurance can top $2,000, you could pay just $791 with Loya Insurance. Other affordable options for Houston, Texas auto insurance include USAA for $892, Garrison for $907, Allstate for $918, and GEICO for $921 each year.

Provider State Minimum Full Coverage
Loya Insurance $791
USAA $892 $2,475
Garrison $907 $2,543
Allstate $918 $2,604
Geico $921 $2,134
Colonial Country $964 $2,270
State Farm $1,113 $2,566
Southern Country $1,236 $3,030
Esurance $1,389 $3,145
Metropolitan Lloyds $2,099
Dairyland $2,184

Cheap Car Insurance in Houston, TX by County and Zip Code

Some of the cheapest areas for car insurance are in areas like Austin, Montgomery, Brazoria, Waller, Chambers and Fort Bend. If you live in these areas, insurance ranges between $1,441 and $1,604 per year. Our research shows that the cheapest zip codes are 77418 and 77474 for an average insurance premium of under $1,500.

As is the case with most states, car insurance tends to be cheapest in the suburbs and more rural areas of Texas, with large metropolitan areas such as Houston being hotbeds of crime and therefore at a higher risk for companies to insure.

County Average Annual Premium
Austin $1,441
Montgomery $1,534
Brazoria $1,558
Waller $1,575
Chambers $1,599
Fort Bend $1,604
Liberty $1,606
Galveston $1,611
Harris $1,654
Zip Code Average Annual Premium
77418 $1,438
77474 $1,443
77384 $1,505
77385 $1,506
77382 $1,510
77304 $1,514
77301 $1,519
77381 $1,520
77380 $1,523
77386 $1,524
77316 $1,526
77303 $1,528
77566 $1,529
77354 $1,532
77302 $1,537
77365 $1,540
77318 $1,542
77356 $1,542
77583 $1,544
77515 $1,547
77422 $1,548
77531 $1,549
77306 $1,550
77480 $1,555
77357 $1,555
77541 $1,555
77445 $1,557
77355 $1,561
77494 $1,566
77372 $1,568
77027 $1,570
77479 $1,572
77469 $1,572
77378 $1,575
77584 $1,581
77024 $1,584
77536 $1,585
77571 $1,585
77005 $1,586
77339 $1,586
77025 $1,586
77511 $1,587
77546 $1,589
77581 $1,589
77407 $1,589
77077 $1,590
77401 $1,590
77019 $1,592
77450 $1,592
77059 $1,593
77484 $1,593
77535 $1,595
77503 $1,596
77056 $1,597
77406 $1,598
77505 $1,598
77079 $1,598
77523 $1,599
77573 $1,599
77591 $1,599
77575 $1,600
77459 $1,600
77478 $1,600
77477 $1,602
77586 $1,604
77504 $1,604
77471 $1,604
77054 $1,604
77007 $1,604
77008 $1,605
77345 $1,606
77530 $1,606
77098 $1,606
77089 $1,607
77562 $1,607
77062 $1,607
77043 $1,608
77042 $1,608
77057 $1,608
77568 $1,609
77510 $1,609
77532 $1,610
77493 $1,611
77498 $1,613
77590 $1,613
77055 $1,615
77550 $1,616
77336 $1,616
77551 $1,617
77447 $1,617
77429 $1,618
77080 $1,618
77489 $1,619
77506 $1,621
77461 $1,621
77041 $1,621
77563 $1,621
77070 $1,621
77598 $1,622
77518 $1,623
77375 $1,623
77521 $1,625
77327 $1,625
77377 $1,625
77096 $1,626
77539 $1,627
77084 $1,627
77064 $1,628
77018 $1,629
77058 $1,630
77030 $1,631
77065 $1,631
77389 $1,633
77063 $1,633
77009 $1,633
77502 $1,636
77520 $1,637
77044 $1,638
77006 $1,639
77545 $1,643
77379 $1,645
77449 $1,648
77346 $1,649
77433 $1,655
77053 $1,657
77547 $1,658
77082 $1,660
77338 $1,660
77078 $1,661
77015 $1,661
77095 $1,662
77587 $1,663
77040 $1,664
77373 $1,664
77396 $1,666
77034 $1,667
77011 $1,667
77068 $1,667
77002 $1,668
77029 $1,673
77071 $1,674
77066 $1,674
77388 $1,675
77099 $1,676
77035 $1,676
77073 $1,678
77012 $1,680
77087 $1,681
77072 $1,683
77031 $1,683
77092 $1,684
77049 $1,684
77032 $1,684
77069 $1,685
77045 $1,687
77061 $1,689
77075 $1,689
77028 $1,691
77074 $1,695
77047 $1,698
77088 $1,699
77085 $1,700
77083 $1,702
77039 $1,703
77021 $1,703
77036 $1,704
77038 $1,705
77013 $1,706
77086 $1,706
77014 $1,711
77090 $1,714
77004 $1,717
77093 $1,720
77017 $1,720
77081 $1,721
77022 $1,721
77048 $1,723
77037 $1,723
77023 $1,723
77091 $1,724
77076 $1,726
77060 $1,732
77033 $1,734
77020 $1,736
77051 $1,736
77067 $1,738
77016 $1,745
77026 $1,763

Cheapest Car Insurance Rates in Houston With a Prior Accident

Having an accident on your driving record can severely impact your insurance rates. We analyzed rates from the leading Houston auto insurance companies, and we have found that you could pay up to 52% more on your insurance premium with just one accident on your record. That could mean an insurance policy premium that costs as much as $2,565 per year. That’s almost $1,500 more per year than the average minimum coverage policy.

Provider 1 Accident No Accident Difference
State Farm $2,372 $2,126 11.5%
Colonial Country $2,561 $2,184 17%
GEICO $2,775 $1,825 52%
USAA $2,930 $2,350 25%
Garrison $3,188 $2,220 45%
Allstate $3,361 $2,565 31%

*Full Coverage

Average Auto Insurance Premiums in Houston, TX by Credit Score

Your credit score is another factor that affects how much you pay for your Houston car insurance. For example, the difference between poor credit and good credit with a GEICO car insurance policy is a staggering difference of 45% between the two. While good credit will cost you $2,028 with a full coverage policy from USAA, you will pay $2,944 for the same policy if you have bad credit. 

Provider Poor Credit Good Credit Difference
Garrison $2,543 $2,543 0%
USAA $2,671 $2,345 145
Colonial Country $2,685 $1,969 36%
GEICO $2,944 $2,028 45%
State Farm $2,947 $2,204 34%
Southern Country $3,030 $3,030 0%
Esurance $3,145 $3,145 0%
Allstate $3,368 $2,520 33%

*Full Coverage

Car Insurance in Houston, TX

From its southern perch, Houston is a city that experiences regular inclement weather each year, including the occasional hurricane or tropical storm. There is a lot of rain, so between weather-related issues and the sheer number of drivers on the road, car insurance in Houston can bring higher risk than other cities with fewer residents and fewer road hazards.

Houston minimum insurance requirements

There is a minimum amount of car insurance that you must maintain in order to drive in Houston, Texas. 

You must include the following minimum coverage for your Houston auto insurance policy.

  • $30,000 bodily injury liability limit per person
  • $60,000 bodily injury liability limit per accident
  • $25,000 property damage liability

There is additional, optional coverage that you may add or reject.

  • $2,500 personal injury protection (PIP)
  • $30,000 uninsured motorist bodily injury liability limit per person
  • $60,000 uninsured motorist bodily injury liability limit per accident
  • $25,000 uninsured motorist property damage liability with a $250 deductible

In Texas, you are not required to carry uninsured and underinsured motorist, collision or comprehensive coverage. However, this is always a good idea because it will protect you in the event that you are in an accident.

Houston’s at-fault law

Texas is an at-fault state. This means that if someone causes you to be involved in an accident, the party responsible for the accident is also the party that pays for the damages they incurred, such as damage to your property or personal injuries. These are expenses typically paid out through one’s insurance company.

Houston Car Insurance FAQs

Car Insurance Profile

To select the cheapest car insurance in Texas, we used Coverage.com’s data, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

  • $100k bodily injury liability per person
  • $300k bodily injury liability coverage per crash
  • $100k property damage liability coverage per crash
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible

Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.


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