Car Insurance for Houston in 2022

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Drivers in Houston pay an average of $1,963 per year for car insurance, but you might find cheaper coverage if you shop around.

Aug 5, 2022

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If you’re looking for cheap car insurance in Houston, Texas, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Houston — or anywhere.

To find the cheapest companies in Houston, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Houston driving a 2019 Toyota Camry L.

Read on to find out how auto insurance companies in Houston stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in Houston

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Houston, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Geico$1,404
NerdWallet rating 

4.5

/5
State Farm$1,467
NerdWallet rating 

5.0

/5
Nationwide$1,534
NerdWallet rating 

4.5

/5
USAA$1,629
NerdWallet rating 

4.0

/5
Republic Group$1,643Not yet rated
Texas Farm Bureau$1,656
NerdWallet rating 

3.5

/5
Esurance$1,760Not yet rated
Houston General$1,883Not yet rated
National General$2,019
NerdWallet rating 

3.0

/5
Mercury$2,121
NerdWallet rating 

4.0

/5
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Average car insurance cost in Houston and Texas

Rates across Texas differ from those in Houston for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Texas is $1,717, while in Houston, it's $1,963.

Average city rate
Average state rate
$1,963$1,717

Average cost of car insurance in Houston’s 10 largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the 10 most populated ZIP codes in Houston and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

Company
Rate
NerdWallet Rating
N/AN/AN/A

Cheap car insurance in Houston by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Houston for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Houston pay, on average.

Company
Rate
NerdWallet Rating
USAA$2,559
NerdWallet rating 

4.0

/5
Texas Farm Bureau$2,570
NerdWallet rating 

3.5

/5
Geico$2,998
NerdWallet rating 

4.5

/5
State Farm$3,065
NerdWallet rating 

5.0

/5
Nationwide$3,651
NerdWallet rating 

4.5

/5
Houston General$3,749Not yet rated
Esurance$4,670Not yet rated
Encompass$4,772
NerdWallet rating 

3.5

/5
Republic Group$4,842Not yet rated
Chubb$4,895
NerdWallet rating 

4.5

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Houston, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Geico$1,404
NerdWallet rating 

4.5

/5
State Farm$1,467
NerdWallet rating 

5.0

/5
Nationwide$1,534
NerdWallet rating 

4.5

/5
USAA$1,629
NerdWallet rating 

4.0

/5
Republic Group$1,643Not yet rated
Texas Farm Bureau$1,656
NerdWallet rating 

3.5

/5
Esurance$1,760Not yet rated
Houston General$1,883Not yet rated
National General$2,019
NerdWallet rating 

3.0

/5
Mercury$2,121
NerdWallet rating 

4.0

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Houston, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,260
NerdWallet rating 

4.5

/5
Nationwide$1,331
NerdWallet rating 

4.5

/5
State Farm$1,347
NerdWallet rating 

5.0

/5
Texas Farm Bureau$1,381
NerdWallet rating 

3.5

/5
Republic Group$1,414Not yet rated
USAA$1,475
NerdWallet rating 

4.0

/5
Esurance$1,528Not yet rated
Houston General$1,532Not yet rated
Mercury$1,753
NerdWallet rating 

4.0

/5
National General$1,788
NerdWallet rating 

3.0

/5
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Houston’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Houston by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Houston according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,404
NerdWallet rating 

4.5

/5
State Farm$1,467
NerdWallet rating 

5.0

/5
Nationwide$1,534
NerdWallet rating 

4.5

/5
USAA$1,629
NerdWallet rating 

4.0

/5
Republic Group$1,643Not yet rated
Texas Farm Bureau$1,656
NerdWallet rating 

3.5

/5
Esurance$1,760Not yet rated
Houston General$1,883Not yet rated
National General$2,019
NerdWallet rating 

3.0

/5
Mercury$2,121
NerdWallet rating 

4.0

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Houston according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Esurance$1,760Not yet rated
Republic Group$2,118Not yet rated
Geico$2,142
NerdWallet rating 

4.5

/5
National General$2,336
NerdWallet rating 

3.0

/5
USAA$2,402
NerdWallet rating 

4.0

/5
State Farm$2,454
NerdWallet rating 

5.0

/5
Houston General$2,480Not yet rated
Mercury$2,716
NerdWallet rating 

4.0

/5
Nationwide$3,183
NerdWallet rating 

4.5

/5
Dairyland$3,199
NerdWallet rating 

2.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Houston, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
State Farm$1,846
NerdWallet rating 

5.0

/5
Geico$2,104
NerdWallet rating 

4.5

/5
Republic Group$2,373Not yet rated
Nationwide$2,511
NerdWallet rating 

4.5

/5
USAA$2,565
NerdWallet rating 

4.0

/5
Texas Farm Bureau$2,674
NerdWallet rating 

3.5

/5
Houston General$3,189Not yet rated
Chubb$3,419
NerdWallet rating 

4.5

/5
Redpoint County Mutual$3,828Not yet rated
Esurance$3,914Not yet rated
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Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.