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How much is car insurance in Houston?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $13 a month more expensive to insure your vehicle in Houston than it is in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Houston is rather affordable. You can expect to pay about $3 below the national average for auto insurance in Houston.
Although these are the average rates for auto insurance in Houston, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Houston to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $59 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up a bit in Houston.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price for insurance coverage in Houston, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Houston with one accident will pay around $91 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $94.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$74|
According to the first table above, the cheapest vehicles to insure in Houston are typically SUVs, at $73 per month.
Car owners will see rates of about $80, while truck and van owners by and large pay around $74 per month.
Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Houston, the most expensive vehicles to insure are vehicles six-to-seven years old.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Houston, however, are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$83|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Houston can be as much as $15 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$113|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Houston. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Houston, TX
Recent trends in car insurance for Houston drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Houston had been increasing from 2017-2018, before steadying out in 2019. Policy premiums increased again recently, hitting a high of $99 in 2022.
How does Houston compare to neighboring areas?
Why are car insurance rates in Houston different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Amount of drivers in the community
- Frequency of car accidents
- Regional regulations
- Prevalence of crime
- Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Houston?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing plans in Houston in no time.
Houston Insurance FAQs
What factors affect car insurance quotes in Houston?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Houston different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Houston?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Houston?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Houston or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.