AAA vs. Houston General: Which Company is the Best Fit for You?

Wondering if AAA or Houston General is the best insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • In general, Houston General offers significantly less expensive prices than AAA
  • AAA offers more discounts than Houston General Insurance Exchange
  • Houston General offers cheaper average rates for drivers who have received a ticket within the last few years

AAA vs. Houston General: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to AAA or Houston General as potential options, but between the two, which one will offer you more affordable prices?

AAA Houston General

As you can see, AAA is quite a bit more expensive than Houston General, with premiums averaging $314 per month compared to just $160 with Houston General when looking at the national average rates for car insurance.

But that doesn't mean Houston General will necessarily be cheaper than AAA for every driver. Insurance companies vary their rates depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and a ton of other factors, so prices will change quite a bit from person to person.

So, if you want to find out which of AAA or Houston General is really the best for you, keep reading to see average premiums for each carrier broken down by a range of different rate factors.

AAA or Houston General: Average Car Insurance Rates by State

State AAA Houston General

AAA and Houston General only compete against each other in Texas, where Houston General offers the cheaper average rates. For Texas residents, Houston General offers auto insurance for $160 per month on average. AAA's average prices come out to be over 10% more expensive, at $179 monthly.

But there's more to calculating car insurance rates than just the state you live in. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

AAA Houston General
18-year-old drivers$689$311
25-year-old drivers$276$172

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers. It's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Houston General for their auto insurance pay nearly $400 less than those who use AAA.

That being said, both carriers will offer you dramatically lower premiums once you turn 25. Houston General offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. AAA's average prices lower almost 60% during that same period.

Which is the Best Company for Retired Drivers?

AAA Houston General
65+-year-old drivers$238$108

Once you approach retirement age, you'll usually enjoy the most affordable car insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

So, which company offers the best premiums to retired drivers? Houston General gets the edge here, with average rates coming in at about $108 a month compared to AAA's $238.

Which is the Best Company for Married Drivers?

AAA Houston General

You may not be aware, but car insurance premiums tend to be more affordable for married couples than they are for single drivers. This usually boils down to married policyholders having more than one car on their policy -- something lots of auto insurance companies will reward with discounts.

When it comes to relationship status, Houston General is the clear winner for those who are single, with prices around $185 a month less expensive than AAA, on average. The advantage for married drivers with Houston General is also obvious, where drivers save more than $100 per month.

AAA vs. Houston General: Average Rates by Gender

AAA Houston General

Because men are more likely to get into collisions and get speeding tickets, they have an increased chance of filing a claim with insurance. Therefore, insurance carriers will tend to charge men more than women.

On average, women see rates over 10% a month less with AAA, while with Houston General, the difference is closer to 7% per month.

Looking at overall affordability, Houston General comes out on top for both men and women. On average, male drivers save about $165 a month and women save about $143 with Houston General compared to the average AAA policyholder.

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AAA or Houston General: Compare State Minimum vs. Full Coverage Rates

AAA Houston General
State Minimum*$169$83
Full Coverage**$459$236

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance can be a complicated subject for most people. There are many different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum liability limits, Houston General normally offers significantly cheaper premiums of $83 compared to AAA's $169. When it comes to full coverage policies with similar limits, Houston General again has the edge, with policies around $200 per month less expensive than AAA, on average.

Is AAA or Houston General Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and accidents will most likely raise your prices, but is AAA or Houston General more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Houston General
Clean Record$213$111
1 Speeding Ticket$299$148

AAA policyholders can expect their premiums to go up an average of $86 a month if they get a ticket, while Houston General generally raises rates about $37 per month, on average.

However, Houston General tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering prices that are 48% and 51% cheaper, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

AAA Houston General
Clean Record$213$111
1 At-Fault Accident$339$233

AAA drivers who get in an accident can expect to see their rates increase by just under $150, while those who have insurance through Houston General will see around a $100 increase.

Overall, the more affordable premiums come from Houston General, with monthly prices averaging $233 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Houston General
Clean Record$213$111
1 DUI$403$147

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. AAA drivers usually see a 47% climb in their insurance premiums after a DUI charge, while Houston General will typically raise prices by about 24%.

If you have a DUI on your record and are looking for more affordable rates, Houston General tends to be the much less expensive option with average prices of $147 per month compared to $403 from AAA.

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How does Credit Score Impact AAA and Houston General Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for several policyholders.

The reasoning insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

Looking specifically at AAA and Houston General, which company has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

AAA Houston General
Excellent Credit Score$185$114
Good Credit Score$247$145

If you have solid credit, you'll usually find a better deal with Houston General. Drivers with "excellent" credit can save just under 40% compared to AAA, and those with "good" scores can also expect to see savings -- around $102 or 41% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

AAA Houston General
Fair Credit Score$304$170
Poor Credit Score$539$211

Houston General typically offers lower premiums than AAA when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $134 a month less with Houston General compared to AAA, and those with "poor" scores generally save an average of around $328 a month.

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Is AAA or Houston General Better for Drivers who Work from Home or Have Short Commutes?

AAA Houston General
6,000 Annual Miles$307$160
12,000 Annual Miles$320$160

Did you know that the amount of time you spend in your car have a large impact on your monthly auto insurance payment? That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Houston General charges. However, there's a small difference in monthly rates for AAA, with drivers who put 6,000 miles on their vehicle annually paying about $13 less every month compared to those who drive 12,000 miles each year. Still, Houston General is the less expensive option for drivers in both categories.

AAA vs. Houston General: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a substantial impact on your monthly car insurance bill. Usually, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

AAA Houston General
Urban Areas$384$166
Suburban Areas$301$149
Rural Areas$256$165

Houston General tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Houston General Insurance Exchange's average rates are around 57% less than AAA Insurance. Drivers in suburban ZIP codes pay about 50% less with Houston General compared to AAA. If you live in a rural area, you can expect to save around 36% with Houston General compared to AAA.

AAA vs. Houston General Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts AAA and Houston General offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

AAA Houston General
AAA Discount 
ABS Discount 
Academic Discount 
Advance Quote Discount
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
DriveSharp Discount 
EFT Discount 
Employee Discount 
Excess Vehicle Discount 
Garage Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Mature Driver Discount 

AAA knocks Houston General out of the park when it comes to the sheer number of discounts available, offering 25 more discounts than Houston General.

Both carriers offer many of the same discounts -- like advance quote discounts, anti-theft discounts, and discounts for being a good student -- but AAA also offers AAA discounts, academic discounts, COVID-19 relief discount, and more that Houston General does not.

On the flip side, Houston General has a couple unique discounts of its own -- ABS discounts and excess vehicle discounts.

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Final Thoughts: Is AAA or Houston General Best for You?

So, we've broken down the average premiums for many of the factors car insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the right fit for you?

Houston General might be best for you if....

  • You've been pulled over for speeding recently.
  • You live in an urban area.
  • You are over 65 years old and want to save some money on your auto insurance.

AAA might be best for you if...

  • You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between AAA and Houston General. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just AAA and Houston General. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

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AAA vs. Houston General FAQs

Is AAA or Houston General cheaper?

Looking just at the national average rates, Houston General is the more affordable of the two carriers, offering average rates of $160 per month compared to $314 for AAA. That being said, Houston General won't necessarily be the most affordable carrier for every policyholder, since there are a bunch of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Houston General?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for each driver -- it all depends on what your unique insurance profile looks like.

Why do AAA and Houston General offer me different rates?

Car insurance companies take a look at a lot of different factors when determining the premiums they charge drivers. Things like your driving record, where you call home, age, gender, and sometimes even things like your credit score can all be used. Both AAA and Houston General calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if AAA or Houston General is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be AAA or Houston General at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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