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

You've probably seen ads offering big savings on car insurance, but are Germania or Houston General right for you? Which carrier offers the cheapest rates, or the most discounts? Read on to see how Germania and Houston General compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • In general, Germania offers less expensive prices than Houston General
  • Germania offers more affordable average premiums for residents of suburban areas
  • Houston General has cheaper rates for drivers with a DUI

Germania or Houston General: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might be considering Germania or Houston General, but which carrier will save you the most?

Germania Houston General

As you can see, Houston General has average rates that are around 11% a month more expensive than those from Germania when looking at the national average rates for auto insurance.

That being said, that doesn't mean Germania will necessarily be less expensive than Houston General for every driver. Insurance carriers vary their prices depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and a ton of other factors, so premiums will vary quite a bit from person to person.

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

Germania vs. Houston General: Average Car Insurance Rates by State

State Germania Houston General

Both Germania and Houston General only offer car insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. Germania drivers tend to pay about $18 per month less on average compared to drivers who use Houston General for their insurance.

Typically, the state you live in will play a big role in how much you pay for auto insurance, but since both companies only do business in Texas, quite a few other variables will come into play when you compare Germania and Houston General. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Germania Houston General
18-year-old drivers$277$311
25-year-old drivers$137$172

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Germania for their insurance pay almost 10% less than those who use Houston General.

However, both companies will offer you dramatically lower rates once you turn 25. For example, average prices for Germania policyholders lower about $150 and Houston General's premiums decrease nearly $150 over that time.

Which is the Best Company for Retired Drivers?

Germania Houston General
65+-year-old drivers$108$108

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever find.

So, which company offers the best prices to retired drivers? In this case, Germania has the slight edge, with premiums around $0 a month less than Houston General. Even so, that difference is less than 5%, which means it ultimately will come down to other factors, like your driving record is or your credit score.

Which is the Best Company for Married Drivers?

Germania Houston General

Did you know that car insurance rates are generally more expensive for single drivers than they are for married drivers? This usually boils down to married couples having several vehicles on their policy -- something a lot of insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Germania prices coming in at about 10% less than Houston General's. The advantage is also clear for married policyholders - Germania offers the most affordable average rates.

Germania or Houston General: Average Rates by Gender

Germania Houston General

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to auto insurance men will normally end up paying a little more.

On average, men see premiums almost 10% per month higher with Germania, but with Houston General, the difference is closer to 7% a month.

When it comes to the cheapest prices for each gender, Germania comes out on top for both men and women. On average, male drivers save about $18 per month and women save around $18 with Germania compared to the average Houston General policyholder.

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Germania vs. Houston General: Compare State Minimum vs. Full Coverage Rates

Germania Houston General
State Minimum*$90$83
Full Coverage**$194$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 isn't the easiest topic to understand. There are a range of different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

But the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

When it comes to state minimum liability limits, Houston General has the edge, while Germania offers the lowest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $7 with Houston General Insurance Exchange, while full coverage comes out to be about $40 more affordable with Germania Insurance.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two carriers offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Germania Houston General
Clean Record$102$111
1 Speeding Ticket$102$148

Drivers with Germania insurance policies don't report seeing their prices increase after getting a ticket, but Houston General policyholders can expect to see their monthly bill increase by around $35.

That being said, Germania is usually the cheaper option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about 8% a month with Germania Insurance, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Germania Houston General
Clean Record$102$111
1 At-Fault Accident$132$233

Germania policyholders who get in a collision can expect to see their rates increase by just under 25%, while those who have insurance through Houston General will see around a 50% increase.

At the end of the day, the less expensive premiums come from Germania, with average prices coming in at $132 compared to Houston General Insurance Exchange's $233.

Which Company is Best for Drivers with a DUI?

Germania Houston General
Clean Record$102$111
1 DUI$233$147

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than an accident or speeding ticket. Germania drivers usually see a 56% increase in their insurance rates after a DUI charge, while Houston General will typically raise prices by about 24%.

But if you end up with a DUI charge and are looking for more affordable premiums, Houston General tends to be more affordable for the average driver, with monthly premiums coming in at around $147 to Germania's $233.

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How does Credit Score Impact Germania and Houston General Rates?

Did you know many auto insurance companies take your credit score into account when determining rates? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for many drivers.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the cheapest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Germania Houston General
Excellent Credit Score$82$114
Good Credit Score$120$145

If you have a great credit score, Germania will usually reward you the most. For drivers with "excellent" credit scores, Germania comes in nearly 28.07 cheaper. Drivers with "good" credit scores normally save about 17% with Germania compared to average premiums from Houston General.

Which Company is Best for Drivers with Bad Credit?

Germania Houston General
Fair Credit Score$145$170
Poor Credit Score$221$211

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around 15% less with Germania than Houston General, but those whose credit is considered "poor" have it flipped -- saving about 5% per month with Houston General.

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

Germania Houston General
6,000 Annual Miles$142$160
12,000 Annual Miles$142$160

How much you drive can have a pretty big impact on your monthly insurance bill. Usually, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Germania or Houston General report increasing premiums for drivers with higher annual mileage figures. Germania comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $142 a month for both.

Germania or Houston General: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly auto insurance cost. Normally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the roads where they live.

Germania Houston General
Urban Areas$149$166
Suburban Areas$143$149
Rural Areas$134$165

When comparing these two carriers side-by-side, Germania typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Germania Insurance's average premiums are around $17 less than Houston General Insurance Exchange. People who live in suburban areas pay about $6 less with Germania compared to Houston General. Those in rural areas can expect to save around $31 with Germania compared to Houston General.

Germania vs. Houston General Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Germania and Houston General offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Germania Houston General
ABS Discount
Academic Discount 
Advance Quote Discount
Anti-Theft Discount
Claim Free Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
Drug and Alcohol Awareness Discount 
Excess Vehicle Discount 
Good Student Discount 
Homeowner Discount 
Mature Driver Discount 
Multi-Policy Discount
New Business Discount 
New Vehicle Discount 
Paid In Full Discount 
Passive Restraint Discount
Renewal Discount 

Germania blows Houston General away when it comes to the sheer amount of discounts available, offering 10 more discounts than Houston General.

There are a couple discounts both companies offer, but Germania also offers discounts for academic, claim free, COVID-19 relief, and more.

On the other hand, Houston General has a few proprietary discounts of their own like excess vehicle discounts and good student discounts.

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

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right fit for you?

Germania might be best for you if....

  • You've received a ticket for speeding recently and don't want to see your rates climb.
  • Your home is in a busy urban area.
  • You're of retirement age and want to take advantage of lower prices.

Houston General might be best for you if...

  • Your driving record includes a DUI charge.
  • You're looking for the best premiums on liability only coverage.

Hopefully, this guide helps you get a better idea of the difference between Germania and Houston General. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Germania and Houston General. Luckily, does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

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Germania vs. Houston General FAQs

Is Germania or Houston General cheaper?

Germania is the less expensive of the two carriers when looking at national average rates, with policies averaging $142 per month with Germania and $160 for Houston General. But that doesn't mean Germania will be the cheapest carrier for everyone, since there are several different factors that come into play when it comes to your car insurance payment.

Who is better, Germania or Houston General?

Sadly, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Houston General is cheaper for drivers who have less-than-stellar credit scores, while Germania offers less expensive prices for policyholders with an at-fault collision on their record.

Why do Germania and Houston General offer me different rates?

Insurance companies use quite a few different variables when calculating the premiums they charge. Factors like your driving record, age, gender, where you live, and sometimes even things like your credit score can all come into play. Both Germania and Houston General calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Germania or Houston General at all, but another you hadn't even thought of!


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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