The Cheapest Auto Insurance Companies in Houston, Texas, in 2026
State Farm offers the lowest average price for state-minimum coverage in Houston at $78 per month.
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Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
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Key Takeaways
State Farm offers Houston drivers the cheapest car insurance with an average monthly rate of $78.
Liability coverage averages $170 per month, and full coverage averages $276 in Houston.
State Farm, GEICO, and Progressive are our top picks for car insurance in Houston.
Cheapest Car Insurance in Houston by Driver and Coverage Type
Insurers look at your driving record, claims history, credit history, and other factors to calculate prices.[1] That’s why the cheapest auto insurance company for a teen won’t always be the cheapest for a senior or a driver with a recent ticket.
Knowing the average car insurance rates for drivers like you helps set realistic expectations. The table below shows the best insurance companies with the most affordable premiums in Houston by driver and coverage type, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | State Farm |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DUI | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Overall Cheapest Car Insurance in Houston
Car insurance prices can vary widely in Houston. Comparing auto insurance quotes is crucial to getting a great deal because some companies offer lower rates than others. The table below shows which companies are most affordable for Houston drivers, based on our data.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
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 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
Estimated Cost: $187 per month
Category | Price |
|---|---|
| $78 | 3.8% |
| $97 | 5.6% |
| $115 | 6.6% |
| $134 | 7.9% |
| $153 | 8.4% |
| $171 | 8.4% |
| $190 | 7.6% |
| $209 | 7.5% |
| $227 | 6.8% |
| $246 | 5.8% |
| $265 | 5.5% |
| $284 | 4.8% |
| $302 | 4.0% |
| $321 | 3.7% |
| $340 | 3.2% |
| $358 | 2.8% |
| $377 | 2.3% |
| $396 | 2.1% |
| $414 | 1.8% |
| $433 | 1.5% |
40.6% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Liability Car Insurance in Houston: State Farm
Liability insurance, sometimes called minimum coverage, pays for bodily injury and property damage you cause to others in an accident. It stops short of covering repairs to your vehicle and paying your medical bills. Liability-only coverage often makes sense for older cars or for drivers who need the lowest-priced auto insurance policy that still meets Texas requirements.
In Houston, liability coverage averages $170 per month. The chart below shows which companies have the cheapest liability coverage options in the city, according to Compare.com data.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Cheapest Liability Rates by Company
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 |
How much car insurance is required in Houston?
Like most other states, Texas law requires drivers to have auto insurance. At a minimum, your policy must include:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability
Uninsured/underinsured motorist coverage, unless rejected in writing
Personal injury protection, unless rejected in writing
If you have a car loan, lenders usually require you to also have collision and comprehensive coverage, which is part of a full-coverage policy.
Cheapest Full-Coverage Car Insurance in Houston: State Farm
Full coverage combines liability insurance with collision coverage and comprehensive coverage. It’s best for newer cars, for drivers with a car loan, or for drivers looking for more financial protection. In Houston, full coverage costs an average of $276 per month.
Prices still vary by driver, but the companies in the chart below tend to offer the cheapest average rates, according to our data.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
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 |
Cheapest Car Insurance for Teen Drivers: State Farm
Teen drivers have accident rates that are nearly four times those of older drivers, according to the Insurance Institute for Highway Safety.[2] This is one of the main reasons why young drivers face the steepest average insurance premiums of any age group.
The average car insurance rate for teens in Houston is $436 per month.
But just because you have a teen on your insurance doesn’t mean you can’t get affordable rates. Taking advantage of discounts for good grades and using a car insurance comparison site can help young drivers reduce costs.
Here’s a look at the cheapest companies for teen drivers in Houston, according to our data.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Cheapest Rates for Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $156 |
| Progressive | $215 |
| GEICO | $227 |
| Mile Auto | $237 |
| USAA | $266 |
| Root | $275 |
| Mercury | $283 |
| The General | $286 |
| First Acceptance | $290 |
| Clearcover | $294 |
| GAINSCO | $296 |
| Alinsco | $301 |
| Lone Star | $313 |
| Bristol West | $317 |
| Dairyland | $322 |
| Commonwealth Casualty | $326 |
| Covercube | $331 |
| Mendota | $360 |
| Sun Coast | $360 |
| Excepsure | $368 |
| Allstate | $370 |
| Elephant | $384 |
| Direct Auto | $388 |
| AssuranceAmerica | $389 |
| Loop | $395 |
| Safeco | $401 |
| National General | $417 |
| Trexis One | $468 |
| Chubb | $497 |
| Insurify Car | $505 |
| 21st Century | $506 |
| Hugo | $552 |
| Liberty Mutual | $575 |
Compare Real-Time Car Insurance Quotes in Houston
Rates in Houston start at $59 per month.
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4.7 out of 5 based on 787 reviews
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Cheapest Car Insurance for Senior Drivers: State Farm
Many drivers in their 60s see lower car insurance quotes thanks to long driving histories and fewer risky driving habits.[3] Senior drivers in Houston pay an average of $189 per month, according to our data. But you can find an even better deal with the right insurer, especially if you shop around before renewal.
The chart below shows the cheapest insurers for seniors in Houston, according to Compare.com data.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Cheapest Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $61 |
| Mile Auto | $87 |
| Progressive | $93 |
| GEICO | $95 |
| USAA | $112 |
| Mercury | $117 |
| First Acceptance | $125 |
| The General | $129 |
| Alinsco | $131 |
| Commonwealth Casualty | $134 |
| Lone Star | $136 |
| GAINSCO | $138 |
| AssuranceAmerica | $142 |
| Bristol West | $143 |
| Covercube | $143 |
| Dairyland | $150 |
| Clearcover | $151 |
| Mendota | $156 |
| Sun Coast | $156 |
| Direct Auto | $156 |
| National General | $159 |
| Excepsure | $159 |
| Root | $160 |
| Allstate | $160 |
| Elephant | $163 |
| Safeco | $165 |
| Loop | $171 |
| Chubb | $176 |
| Trexis One | $203 |
| 21st Century | $214 |
| Insurify Car | $219 |
| Hugo | $239 |
| Liberty Mutual | $260 |
The Cheapest Car Insurance for Drivers by Driving Record
When you get a ticket, cause an accident, or have a driving while intoxicated (DWI) conviction, insurers see you as more likely to file a claim. The added risk often means higher premiums the next time your policy renews. Comparing prices and switching insurance companies can lead to a better deal on coverage.
The table below compares the cheapest insurers in Houston for drivers with a recent ticket, an at-fault accident, or a DWI, according to Compare.com data.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $99 |
| Mile Auto | $136 |
| Progressive | $139 |
| GEICO | $159 |
| USAA | $181 |
| First Acceptance | $187 |
| Alinsco | $194 |
| GAINSCO | $197 |
| Commonwealth Casualty | $201 |
| Lone Star | $202 |
| The General | $206 |
| Mercury | $208 |
| Root | $209 |
| Covercube | $213 |
| Bristol West | $219 |
| Clearcover | $221 |
| Dairyland | $222 |
| Mendota | $232 |
| Sun Coast | $232 |
| AssuranceAmerica | $234 |
| Excepsure | $237 |
| Allstate | $238 |
| Direct Auto | $244 |
| Elephant | $250 |
| Safeco | $252 |
| Loop | $255 |
| National General | $255 |
| Trexis One | $302 |
| Chubb | $302 |
| Insurify Car | $326 |
| Hugo | $356 |
| 21st Century | $362 |
| Liberty Mutual | $406 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $104 |
| Progressive | $147 |
| Mile Auto | $152 |
| GEICO | $161 |
| USAA | $190 |
| First Acceptance | $198 |
| Alinsco | $206 |
| GAINSCO | $210 |
| The General | $212 |
| Lone Star | $214 |
| Root | $221 |
| Commonwealth Casualty | $222 |
| Mercury | $225 |
| Covercube | $226 |
| Bristol West | $231 |
| Dairyland | $237 |
| AssuranceAmerica | $245 |
| Mendota | $246 |
| Sun Coast | $246 |
| Clearcover | $247 |
| Excepsure | $251 |
| Allstate | $252 |
| Direct Auto | $265 |
| Safeco | $267 |
| Elephant | $269 |
| Loop | $270 |
| National General | $273 |
| Chubb | $318 |
| Trexis One | $319 |
| Insurify Car | $344 |
| Hugo | $376 |
| 21st Century | $377 |
| Liberty Mutual | $424 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $110 |
| Progressive | $154 |
| Mile Auto | $158 |
| GEICO | $171 |
| USAA | $198 |
| First Acceptance | $207 |
| The General | $211 |
| Alinsco | $215 |
| Lone Star | $223 |
| Mercury | $225 |
| GAINSCO | $230 |
| Commonwealth Casualty | $234 |
| Clearcover | $235 |
| Covercube | $236 |
| Bristol West | $244 |
| Root | $247 |
| Dairyland | $253 |
| Mendota | $257 |
| Sun Coast | $257 |
| AssuranceAmerica | $258 |
| Excepsure | $263 |
| Allstate | $264 |
| Direct Auto | $272 |
| Loop | $282 |
| Elephant | $288 |
| National General | $288 |
| Safeco | $296 |
| Chubb | $333 |
| Trexis One | $334 |
| Insurify Car | $360 |
| 21st Century | $375 |
| Hugo | $394 |
| Liberty Mutual | $447 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
Cheapest Car Insurance for Drivers by Credit
Credit history doesn’t measure your driving skill, but it can affect how much you pay for car insurance in Texas. Drivers with excellent credit in Houston pay an average of $200 per month, while drivers with poor credit pay an average of $279 per month.
But not every insurance company weighs credit the same way, and some don’t look at it at all. Comparing rates can reveal the companies with the lowest rates in Houston, as you’ll see in the table below.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $66 |
| Mile Auto | $97 |
| Progressive | $99 |
| GEICO | $101 |
| USAA | $124 |
| Mercury | $128 |
| First Acceptance | $133 |
| The General | $136 |
| Alinsco | $138 |
| Lone Star | $143 |
| GAINSCO | $144 |
| Commonwealth Casualty | $148 |
| Covercube | $151 |
| Bristol West | $154 |
| Root | $158 |
| Dairyland | $159 |
| Clearcover | $159 |
| AssuranceAmerica | $162 |
| Mendota | $165 |
| Sun Coast | $165 |
| Excepsure | $168 |
| Allstate | $169 |
| Direct Auto | $172 |
| Safeco | $172 |
| Loop | $181 |
| National General | $181 |
| Elephant | $183 |
| Chubb | $204 |
| Trexis One | $214 |
| Insurify Car | $231 |
| 21st Century | $247 |
| Hugo | $253 |
| Liberty Mutual | $262 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
The below rates in Houston, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $113 |
| Progressive | $138 |
| Mile Auto | $139 |
| GEICO | $150 |
| USAA | $173 |
| Mercury | $183 |
| First Acceptance | $185 |
| The General | $190 |
| Alinsco | $193 |
| Lone Star | $200 |
| GAINSCO | $202 |
| Commonwealth Casualty | $207 |
| Covercube | $211 |
| Bristol West | $214 |
| Clearcover | $214 |
| Root | $217 |
| Dairyland | $222 |
| AssuranceAmerica | $227 |
| Mendota | $230 |
| Sun Coast | $230 |
| Excepsure | $235 |
| Allstate | $236 |
| Safeco | $237 |
| Direct Auto | $239 |
| Loop | $253 |
| Elephant | $253 |
| National General | $253 |
| Trexis One | $299 |
| Insurify Car | $323 |
| 21st Century | $339 |
| Hugo | $353 |
| Chubb | $376 |
| Liberty Mutual | $379 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
How to Get the Cheapest Car Insurance in Houston
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Finding cheap car insurance in Houston usually comes down to a few smart moves. Insurers often charge very different rates, even for drivers with similar profiles, so a little effort can go a long way. Here’s how to keep costs in check.[4]
Compare quotes: Get quotes from multiple insurers using the same coverage levels to see real price differences.
Adjust your coverage options: Consider your car’s value and how much risk you’re comfortable with.
Ask about car insurance discounts: Many insurers offer discounts for safe driving, bundling policies, good grades, or usage-based programs.
Keep a clean driving record: Insurers reward you with lower rates for being ticket and accident-free.
Review your policy regularly: You don’t have to stay with the same insurer forever. Review your policy before renewal to make sure you’re still getting the lowest rate.
Our Picks for the Best Auto Insurance in Houston
No universal “best” car insurance company exists. Rates can change based on where you live, how you drive, and the car insurance coverage you need. Rather than naming a single winner, we looked at how insurers stack up where it matters most to Houston drivers: average car insurance premiums, coverage choices, available discounts, customer ratings, and customer reviews.
| User Reviews | 4.0 |
|---|---|
| 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 |
4.0
Best choice in Houston, TXBased on 958 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Compare.com
Showing 3 Texas reviews for Houston driversSee all 374 State Farm reviews
Verified Review
Reviewed in Pennsylvania on July 25, 2026
When purchasing insurance, try to offer the best deal at a lower cost instead of charging a prospective customer the most and adding extra coverage they don’t need. Take the time to find out their needs before assigning a policy.
Verified Review
Reviewed in Pennsylvania on July 16, 2026
Great service. [Name removed] at the Harrisburg, PA office.
Verified Review
Reviewed in Pennsylvania on July 14, 2026
State Farm is a very deceptive company. When you request a cheaper rate and find one, and you try to contact your agent to see if they will match it, they tell you negative things about the company you want to switch to. Also, when you think you’re sending a message to your agent, it goes to the office instead. They respond rudely and disrespectfully, and only connect you to the agent when you say you’ll take your business elsewhere.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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).
A++
Why we picked this company
State Farm has a large network of local insurance agents. In-person support can be especially helpful for navigating coverage options or for following up on a claim after a car accident. Houston drivers also benefit from discount programs. Drive Safe & Save can knock up to 30% off your bill, and bundling home and auto insurance coverage can reduce premiums even more.
Pros
High availability of local agents in Houston
Strong claims satisfaction[5]
Wide range of discounts
Cons
No gap insurance option
Drive Safe & Save may raise rates
Customer service experience varies by agent
| User Reviews | 3.8 |
|---|---|
| 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. | 4.6 /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. | $121/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. | $254/mo |
3.8
A solid option in Houston, TXBased on 809 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 310 GEICO reviews
Verified Review
Reviewed in New York on August 20, 2026
Paying too much for someone my age, and I don’t think they give you credit for anything, like taking that class, etc.
Verified Review
Reviewed in Florida on August 19, 2026
Good price for a retired, low-income person, and I hope it stays that way.
Verified Review
Reviewed in California on August 19, 2026
They never answer the phone, and they added coverage we didn’t ask for. I tried to remove it online but couldn’t. I called three different times for help, and they said they would mail forms, but they never sent them. Now we’re paying for something we didn’t want.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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).
A++
Why we picked this company
GEICO can help Houston drivers qualify for some of the lowest auto insurance rates in Texas. The company offers discounts that fit many driving situations, from good students to safe drivers. You can even save on car insurance if you’re a homeowner, military member, federal employee, or if you enroll in auto pay or paperless billing.
Pros
One of the largest insurers in Texas
Many discount opportunities
Flexible coverage options
Cons
Limited in-person agent access
Below-average claims satisfaction
Digital tools score below average[6]
| User Reviews | 3.5 |
|---|---|
| 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. | 4.3 /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. | $110/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. | $188/mo |
3.5
A solid option in Houston, TXBased on 1,019 verified guest reviews and ratings
Progressive's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about Progressive
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing 4 Texas reviews for Houston driversSee all 363 Progressive reviews
Verified Review
Reviewed in Pennsylvania on August 10, 2026
I’ve been using Progressive with every car I’ve ever had, but this time it was a horrible experience. My rate was charged every month, and they had no reason why. $500 a month for a 2012 is a crazy amount.
Verified Review
Reviewed in Pennsylvania on July 16, 2026
Hard to get a hold of them, and I can’t make any changes online.
Verified Review
Reviewed in Pennsylvania on June 25, 2026
I was paying $116, then when it was supposed to renew, it went to $168. Too expensive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
624
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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).
A+
Why we picked this company
Progressive is an excellent choice for flexibility. As the largest insurance company in Texas, it has online tools that let you access policy options, pay your bill, view proof of insurance, and file a claim. You also have plenty of options to customize your policy. Progressive offers loan/lease payoff, rental car coverage, roadside assistance, rideshare insurance, and vanishing deductible.
Pros
A+ (Superior) AM Best Financial Strength Rating
Many coverage add-ons
Excellent online tools
Cons
Poor claims satisfaction
Snapshot program can raise premiums
Premiums may be higher through agents
Houston Auto Insurance FAQs
If you still have questions about Houston car insurance coverage, here are answers to some common questions to help you get the right price and coverage for your needs.
Houston drivers pay an average of $223 per month for insurance, according to Compare.com data. Average monthly premiums for liability coverage are $170, while full coverage costs an average of $276.
State Farm offers the cheapest liability insurance in Houston. Its average monthly rate is $78, according to our data.
No car insurance company will be the best for everyone. The right insurer depends on your insurance needs and what you value most, such as lower rates, customer service, local agents, or flexible coverage. That said, our research shows that State Farm, GEICO, and Progressive may be solid options for some Houston drivers.
It can be, depending on your driving history, vehicle type, address, age, and coverage choices. Our data shows that Houston’s average car insurance rate is $223 per month. Compare that to the Texas statewide average of $166 and the national average of $141.
Not usually. The Texas Department of Insurance warns that minimum limits can fall short in serious crashes. One multi-car accident with injuries can blow past state minimums, leaving you personally responsible for uncovered medical or repair costs.
To find the most affordable Houston car insurance, compare auto insurance quotes often, match coverage to your car’s value, bundle different types of insurance, ask about discounts, and shop again before your policy renews.
Sources
- Texas.gov. "Auto insurance guide."
- Iihs.org. "Teenagers."
- National Highway Traffic Safety Administration. "Driving Safely While Aging Gracefully."
- III. "How to save money on car insurance."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- Jdpower.com. "2025 U.S. Insurance Digital Experience Study."
Methodology
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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Learn more about us, our team, and what makes us tick.
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Amy BeardsleyInsurance Writer
Lequita WestbrooksSenior Editor
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations