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How much is car insurance in Houston?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Houston will typically run you about $14 a month more than 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. It's about $1 cheaper to insure your vehicle in Houston compared to the average rate for the United States as a whole.
While these numbers represent the average monthly payments for coverage in Houston, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down the average rate for Houston residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Houston Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates start to rise again in Houston.
Houston Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Houston is only about $2 per month.
Houston Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Houston, a driving record with one accident will usually get you a rate around $93 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $97.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Houston Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$76|
The cheapest vehicles to insure in Houston are usually SUVs, trucks, and vans, with each type typically costing about $76 per month.
Car owners, meanwhile, pay on average $81 a month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. 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.
Houston Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Houston can be as much as $14 a month, so it's worth taking into consideration.
Houston Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$113|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Houston. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
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 when deciding when and where to shop.
Auto insurance rates in Houston increased from 2017-2018, before steadying out in 2019. Car insurance rates have been increasing again recently, and were up to $106 in 2022.
How does Houston compare to neighboring areas?
Why are car insurance rates in Houston different from other areas?
Car insurance companies take in many factors when deciding how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking access
- General road safety (how many accidents each locality has)
- Crime rates
- Total number of drivers in the community
- Regional laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
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.
Don't worry, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Houston in no time.
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Houston Auto Insurance FAQs
What factors affect car insurance quotes in Houston?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Houston different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Houston?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Houston?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Houston or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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