+120 more*These quotes are from Compare.com users in and around Houston, Texas within the last 10 days. Updated on September 4, 2026
*These quotes are from Compare.com users in and around Houston, Texas within the last 10 days. Updated on September 4, 2026
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
At $78 per month, State Farm offers the cheapest liability car insurance in Houston.
Houston drivers pay nearly $70 more per month for full-coverage insurance than the Texas average.
A single speeding ticket increases Houston premiums by about 20%, according to Compare.com data.
Hurricane season and flash flooding increase the risk of vehicle damage in Houston, making comprehensive coverage especially valuable.
Houston drivers pay an average of $170 per month for minimum liability coverage, while full coverage costs around $276 per month. That’s higher than the Texas average of $118 per month for liability insurance and $215 per month for full coverage.
Houston’s rates are also higher than those in nearby Waxahachie and Dallas.
Houston’s population density, severe storm risk, and high rates of vehicle theft all contribute to higher car insurance costs than in most Texas cities.[1] [2]
Compare personalized quotes from top insurers in minutes.
State Farm, Progressive, and Mile Auto offer some of the cheapest state-minimum car insurance rates in Houston.
Houston drivers must meet the minimum Texas car insurance requirements, which include at least:[3]
Bodily injury liability: $30,000 per person, $60,000 per accident
Property damage liability: $25,000 per accident
The table below features companies with the cheapest liability car insurance in Houston, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $78 |
| Progressive | $110 |
| Mile Auto | $112 |
| GEICO | $121 |
| USAA | $140 |
| First Acceptance | $148 |
| Mercury | $150 |
| The General | $153 |
| Alinsco | $154 |
| Lone Star | $160 |
| GAINSCO | $163 |
| Commonwealth Casualty | $167 |
| Covercube | $169 |
| Bristol West | $173 |
| Clearcover | $173 |
| Root | $175 |
| Dairyland | $179 |
| AssuranceAmerica | $183 |
| Mendota | $184 |
| Sun Coast | $184 |
| Excepsure | $188 |
| Allstate | $189 |
| Safeco | $191 |
| Direct Auto | $193 |
| Loop | $202 |
| Elephant | $204 |
| National General | $204 |
| Chubb | $236 |
| Trexis One | $239 |
| Insurify Car | $258 |
| 21st Century | $274 |
| Hugo | $282 |
| Liberty Mutual | $317 |
| Foremost | $379 |
At an average of $276 per month, full-coverage auto insurance in Houston is among the most expensive in Texas. But you can find the lowest rates from State Farm and Progressive.
Many Houston drivers may choose full coverage because comprehensive coverage helps pay for damage from hail, flooding, and falling trees after severe storms — hazards that are common in the Houston area.[4]
If you’re shopping for coverage in Houston, use the table below to compare average rates from the most affordable full-coverage car insurance companies, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $150 |
| Progressive | $188 |
| Mercury | $246 |
| Mile Auto | $247 |
| GEICO | $254 |
| USAA | $269 |
| Safeco | $282 |
| Allstate | $285 |
| Root | $287 |
| Clearcover | $300 |
| Direct Auto | $306 |
| Alinsco | $310 |
| GAINSCO | $313 |
| Elephant | $317 |
| AssuranceAmerica | $335 |
| Bristol West | $335 |
| The General | $336 |
| National General | $339 |
| Mendota | $353 |
| Commonwealth Casualty | $363 |
| First Acceptance | $368 |
| Sun Coast | $371 |
| Lone Star | $372 |
| Loop | $379 |
| Covercube | $380 |
| Dairyland | $418 |
| Chubb | $458 |
| Liberty Mutual | $459 |
| Trexis One | $486 |
| 21st Century | $528 |
| Foremost | $762 |
Our picks for the best car insurance companies in Houston are based on proprietary data, Compare.com Ratings, and verified customer reviews. We evaluated insurers based on pricing, coverage options, customer satisfaction, and the features most important to Houston drivers.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers some of the cheapest Houston car insurance for most drivers, according to our research. Teens and young drivers pay especially high rates in Houston, but State Farm offers some of the city’s cheapest coverage for both groups.
Houston drivers can also lower their costs in several ways with State Farm, including a good student discount, Steer Clear, and Drive Safe & Save, which can lower premiums by up to 30% for eligible drivers.
Among Houston’s cheapest average rates
More than 160 local Houston agents
Recent rate reduction for Texas drivers
No accident forgiveness in Texas
No gap insurance
No new- car replacement coverage
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $317/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $459/mo |
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Liberty Mutual offers customizable full-coverage policies for the 35% of Houston drivers who finance or lease a vehicle. Optional coverages like gap insurance, OEM parts, and new- car replacement coverage give Houston drivers more ways to customize their protection. Its Deductible Fund can lower your out-of-pocket cost after a collision claim.
Highly rated for customer satisfaction in Texas[5]
Customizable full-coverage policies
Accident forgiveness available for eligible drivers
Higher premiums than some Houston competitors
Optional coverages increase policy costs
No defensive driving discount available
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $112/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $247/mo |
Some companies offer only low-mileage discounts. Mile Auto’s pay-per-mile pricing is a strong option for Houston drivers. It may be a good fit if you’re retired, work from home, use METRO, or drive less than Houston’s average of 9,411 miles per year, according to Compare.com data.
Texas drivers who log less than 10,000 miles annually may save up to 40% less compared to a traditional policy.
Affordable premiums in Houston
Low-mileage drivers could save up to 40%
Pay-per-mile pricing
No dedicated local agent network
Rates can fluctuate monthly
No customer support hours on weekends
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Houston drivers. We researched, analyzed, and weighed several categories important to Houston insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Houston drivers find the best auto insurance policy for their unique needs.
Houston drivers pay some of the highest car insurance rates among the Texas cities, according to our data. At $223 per month, its average premiums are higher than the Texas average of $166. Nearby cities like Katy and Pearland are less expensive, while cities such as Texarkana and Abilene rank among the state’s least expensive.
The Texas Department of Transportation (TxDOT) ranked 36 Houston-area road segments among the state’s most congested locations in 2024. Heavy traffic exposure and congestion increase the risk of accidents, which in turn increases premiums in busy metro areas like Houston.
Let’s take a look at the table below to see average monthly car insurance premiums by Texas city, according to Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Big Spring | $84 | $184 |
| Abilene | $88 | $188 |
| Corsicana | $92 | $175 |
| Temple | $93 | $184 |
| Commerce | $95 | $184 |
| Jacksonville | $95 | $202 |
| El Paso | $98 | $195 |
| Texarkana | $98 | $178 |
| Midland | $99 | $207 |
| Amarillo | $100 | $222 |
| Bryan | $100 | $193 |
| Lufkin | $100 | $186 |
| Victoria | $100 | $174 |
| Lubbock | $101 | $204 |
| Cleburne | $102 | $180 |
| Odessa | $103 | $232 |
| Nacogdoches | $104 | $176 |
| Killeen | $105 | $202 |
| Greenville | $106 | $185 |
| College Station | $107 | $197 |
| Burleson | $110 | $212 |
| Grapevine | $110 | $176 |
| New Braunfels | $110 | $193 |
| Harlingen | $111 | $185 |
| Huntsville | $111 | $203 |
| Denton | $112 | $209 |
| Georgetown | $112 | $196 |
| Waxahachie | $112 | $207 |
| Laredo | $113 | $200 |
| Coppell | $114 | $196 |
| Frisco | $115 | $211 |
| Round Rock | $115 | $210 |
| Brownsville | $117 | $216 |
| Cedar Park | $118 | $197 |
| Fort Worth | $118 | $211 |
| Keller | $118 | $195 |
| Leander | $118 | $208 |
| Mckinney | $118 | $216 |
| San Marcos | $118 | $203 |
| Friendswood | $119 | $205 |
| Lewisville | $119 | $198 |
| Southlake | $119 | $175 |
| Haltom City | $120 | $196 |
| Mansfield | $120 | $207 |
| Irving | $122 | $229 |
| Duncanville | $125 | $234 |
| Galveston | $125 | $221 |
| Plano | $125 | $208 |
| Forney | $126 | $233 |
| Arlington | $127 | $216 |
| Austin | $127 | $216 |
| Cleveland | $128 | $238 |
| League City | $128 | $224 |
| Montgomery | $128 | $215 |
| San Antonio | $128 | $219 |
| San Juan | $128 | $227 |
| Corpus Christi | $130 | $216 |
| Grand Prairie | $130 | $223 |
| Lancaster | $130 | $253 |
| Pearland | $130 | $236 |
| Pflugerville | $130 | $223 |
| Mesquite | $131 | $244 |
| Beaumont | $132 | $229 |
| Conroe | $132 | $223 |
| Mcallen | $132 | $226 |
| Balch Springs | $134 | $229 |
| Rowlett | $134 | $220 |
| Dallas | $135 | $240 |
| Mission | $136 | $238 |
| Baytown | $137 | $239 |
| Garland | $137 | $235 |
| La Porte | $138 | $208 |
| Rockwall | $138 | $224 |
| Spring | $147 | $240 |
| Fresno | $149 | $261 |
| Sugar Land | $152 | $219 |
| Katy | $153 | $243 |
| Humble | $157 | $244 |
| Houston | $170 | $276 |
Compare real-time quotes from top insurance companies and find a lower rate in minutes.
*These quotes are from Compare.com users in and around Houston, Texas within the last 10 days. Updated on September 4, 2026
*These quotes are from Compare.com users in and around Houston, Texas within the last 10 days. Updated on September 4, 2026
Houston drivers with a speeding ticket pay $282 per month on average, compared to the $223 drivers with clean records pay, according to Compare.com data.
The table below shows how average monthly premiums differ in Houston by driving history.
Driving Record | Average Monthly Premium |
|---|---|
| Clean driving record | $223 |
| Speeding ticket | $282 |
| At-fault accident | $298 |
| DWI | $312 |
Traffic violations and accidents can drive up insurance premiums, but comparing quotes can help you find cheaper coverage. The companies below offer the cheapest average liability car insurance in Houston for each driver profile.
Cheapest car insurance for drivers in Houston with a clean driving record: State Farm
Cheapest car insurance for drivers in Houston with a speeding ticket: State Farm
Cheapest car insurance for drivers in Houston with an at-fault accident: State Farm
Cheapest car insurance for drivers in Houston with a DWI: State Farm
About 3% of Houston drivers have a speeding ticket, 4% have been in an at-fault accident, and less than 0.5% have a DWI or DUI conviction, according to Compare.com data.
Texas is an at-fault state, meaning the driver who causes the crash is responsible for the damages. The Texas Department of Insurance (TDI) notes that insurers use your driving and claims history to determine premiums and will charge more for tickets and accidents.
Harris County’s DWI Task Force also conducts targeted DWI patrols and holiday enforcement campaigns. A DWI conviction can lead to some of the highest insurance premiums of any driving violation.
See personalized rates from top insurers, even if you have a ticket, accident, or DWI.
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Houston recorded 66,236 crashes in 2024, down 1.8% from 67,453 in 2023, according to the TxDOT. The TxDOT also identifies speeding and failure to stay in a single lane as the top contributing factors in Houston’s fatal crashes.
Around 12% of Texas drivers are uninsured.[6] Adding uninsured/underinsured motorist coverage (UM/UIM) to your Houston car insurance policy can help cover losses if a driver without enough coverage hits you.
Vehicle theft remains a concern for Houston drivers. Despite a 15% decline from 2023, the Houston Auto Crimes Task Force still reported roughly 16,000 vehicle thefts in 2024. The National Insurance Crime Bureau (NICB) also ranked the Houston-Pasadena-The Woodlands metro area No. 4 nationwide for vehicle theft in 2025.
High vehicle theft rates are one reason Texas drivers pay about 68% more for comprehensive coverage than the national average.[7]
Houston’s heavy traffic exposure increases crash risk and insurance claims. Drivers often see major congestion along the I-10, I-45, Loop 610, and US Route 290 corridors. INRIX reports Houston is the eighth most congested city in the U.S., with 70 hours lost annually due to congestion.
Houston also uses more than 800 traffic cameras to monitor road conditions and help drivers avoid hazards during heavy rain, flooding, and other severe weather events to limit claim risk.
Car insurance in Houston is more expensive than in many other cities in the Lone Star State because drivers face several local risk factors. The city’s high crash volume, repair costs, and vehicle theft rates can increase claim costs.
Houston’s low elevation, flat terrain, and urban development also make the area more vulnerable to flooding during heavy storms and hurricanes, which can lead to more vehicle damage.
Compare average monthly premiums in Houston and Texas in the table below.
Driver Type | Average Monthly Premium |
|---|---|
| Houston drivers | $223 |
| All Texas drivers | $166 |
Shopping for cheap Houston car insurance can feel overwhelming, especially with rates that are higher than the Texas average. We answered common questions about coverage options, costs, and where to find affordable policies.
The average cost of car insurance in Houston is $223 per month, according to Compare.com data. Higher crash and vehicle theft rates, as well as flood and hail risk, all contribute to Houston’s above-average premiums.
Texas’ severe weather makes comprehensive and collision coverage worthwhile. Texas insurers must offer uninsured motorist (UM) and personal injury protection (PIP) coverage, but you can reject them in writing. UM covers damage from uninsured drivers, while PIP helps cover your medical bills and lost wages after a crash.
The best insurer for young drivers in Houston depends on your age, driving record, and coverage needs. That said, our data shows that State Farm, Progressive, and Mile Auto offer some of the lowest average rates for teens in Houston.
Insurers consider your age, driving record, credit history, vehicle type, and ZIP code when setting rates in Houston. Houston-specific factors, such as frequent crashes, vehicle theft, heavy traffic, and weather-related risks, also affect how much you pay.
State Farm is the cheapest car insurance company in Houston, with liability premiums averaging $78 per month, according to Compare.com data. Comparing rates from multiple insurers is the best way to find the right policy for your budget.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
