Table of contents
How much is car insurance in Houston?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Houston is about $12 a month more expensive than the rest of Texas.
On the flip side, the expected monthly payments for an auto insurance policy in Houston are below the national average. You can expect to pay about $4 less for your policy in Houston than in the rest of United States.
While these numbers are the average rates for auto insurance in Houston, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down average rates for Houston residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay almost two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to climb back up.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Houston, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Houston, a driving record with one accident will usually get you a rate around $88 a month. In addition, drivers with one ticket can expect to pay around $103 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$71|
As you can see in the first table above, the cheapest vehicles to insure in Houston are for the most part SUVs.
The policies for car owners average around $76, while SUV owners typically see rates of around $70 to insure their vehicles each month.
The average monthly cost for coverage for truck and van drivers usually runs about $73.
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)||$79|
In Houston, that difference is about $13 a month, with married drivers paying around $66, compared to $79 for single policyholders.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$113|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $10 a month more than drivers who own property in Houston. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Houston, TX
Recent trends in car insurance for Houston drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Car insurance rates in Houston went up from 2016-2018, before steadying out in 2019. Insurance rates had been increasing again recently, hitting a high of $87 in 2021.
How does Houston compare to neighboring areas?
Why are car insurance rates in Houston different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Road Safety (frequency of car accidents)
- Total number of drivers in the community
- Local crime rates
- Access to off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Houston.
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 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 parking situations, local laws, and crime rates, 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Houston?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Houston or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.