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Best cheap car insurance in Houston for 2025
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The best car insurance companies in Houston
Bankrate’s insurance editorial team analyzed average premiums obtained from Quadrant Information Services to identify companies offering the cheapest car insurance in Houston. But drivers here may also want to consider other factors in their search for the best auto insurer in Texas. Our proprietary Bankrate Score goes beyond average rates to look at potential discounts, coverage options, policy features, digital tools and third-party data on customer satisfaction and financial strength to rate each provider out of a possible five points. The carrier details below are designed to help you quickly compare providers and choose which ones to get quotes from.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in Houston
Houston is the fourth most populated city in the U.S. and a hot tourist destination, which means you can typically count on dense traffic here. Additionally, Texas has historically experienced natural hazards that can damage vehicles, such as wildfires, tornadoes and flooding. Since population and climate play a role in the price of auto insurance, Houston drivers may need help finding affordable car insurance in Texas.
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|---|---|---|
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$611
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$1,990
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$581
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$2,082
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$690
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$2,136
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$728
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$2,344
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$674
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$2,623
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How much is car insurance in Houston, Texas?
Houston drivers pay an average of $881 per year for minimum-required car insurance. This is 19 percent more than the state’s average cost. Full coverage car insurance in Houston averages $2,966 per year, which is 14 percent more than the state average. However, you can still find affordable options. Here are our picks for the best cheap car insurance in Houston to help give you a starting point in your search for the right policy.
Houston rates for teens
Car insurance companies factor a driver’s age into their rates in most states — Texas included. Teen drivers tend to pay more for auto insurance than any other age group as driving stats show that young drivers speed more and don’t regularly wear a seat belt. These behaviors are tied to more frequent accidents and higher fatality rates.
Teen drivers are typically categorized as high-risk but can usually save a significant amount of money by remaining on their parents’ car insurance policy for as long as possible.
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$1,455
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$1,360
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$1,493
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$1,365
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$1,666
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$1,227
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$1,710
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$1,402
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$1,751
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$1,126
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Houston rates for young drivers
Car insurance rates start to decline as drivers get older and gain more experience. Around the age of 20, many young adults move out on their own. At this point, some insurers require young drivers to purchase their own policy. While rates can be expensive, you may be able to save by looking into discounts for completing a driver training course, getting good grades or something else (depending on the carrier). Or if the insurer allows it, a young driver may find their rates to be significantly cheaper if they remain on their parents’ policy until age 25.
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$1,306
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$749
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$1,360
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$706
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$1,386
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$740
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$2,014
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$994
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$2,306
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$1,478
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Houston rates for adults
After age 25, the youthful driver rating factors are removed. Drivers who have maintained a clean driving record may transition into the standard risk group or even the preferred risk group if they meet the insurance company's underwriting criteria. According to data from the Insurance Institute of Highway Safety (IIHS), crash fatality rates among adults usually remain fairly consistent, so age doesn’t usually influence rates as much as it does when drivers are younger.
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$585
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$581
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$560
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$651
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$611
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$578
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$685
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$690
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$675
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$719
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$728
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$680
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$762
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$674
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$655
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Houston rates for senior drivers
Later in life, car insurance rates can get more expensive again. Changes in reaction time and worsening vision can start to impact driving and the ability to avoid accidents and sudden changes in road conditions. Houston drivers who complete a defensive driving course or choose a low-mileage plan may be able to combat rising costs with discounts.
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$545
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$679
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$583
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$737
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$594
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$766
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$642
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$703
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$667
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$788
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Compare auto insurance rates
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The cheapest car insurance in Houston by driving record
Your driving record is one of the most impactful factors when it comes to car insurance rates. As much as we try, mistakes can happen — most people experience an accident or moving violation at some point. Our editorial team analyzed proprietary data provided by Quadrant Information Services to help you find the cheapest Houston car insurance if your driving record is less than perfect.
Car insurance with a speeding ticket in Houston
Speeding increases your risk of an accident and can cause heavy fines and higher auto insurance rates. According to the City of Houston's fine schedule, speeding tickets can cost drivers as much as $534. Houston's average cost of full coverage car insurance after a speeding conviction is $3,319 per year — 12 percent more than the city average for drivers with a clean record. However, not all carriers rate speeding tickets the same way. Comparing quotes from several carriers can help you find the most affordable coverage.
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$645
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$2,329
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$689
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$2,254
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$782
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$2,354
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$825
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$3,055
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$923
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$3,550
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Car insurance after an accident in Houston
Car accidents can occur for many reasons. Drowsy driving, speeding and distracted driving are just a few. If you are considered at-fault for an accident, it can drastically increase your auto insurance premiums. In Houston, the average cost of full coverage car insurance after an at-fault accident is $4,601 per year. This is 55 percent more than the average cost of car insurance for drivers with a clean record here.
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$807
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$2,886
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$890
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$2,599
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$1,026
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$3,202
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$1,146
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$3,577
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$1,447
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$4,976
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Car insurance after a DUI in Houston
For drivers with a DUI, finding car insurance can be a challenge. Impaired or drunk driving is considered a high-risk behavior, one that Houston insurers take seriously. In fact, some insurance companies will not write policies for a driver with a DUI on their record. If you have received a DUI and are required to file an SR-22 in Texas, you can ask your insurer if they are willing to file one on your behalf. If not, you’ll need to seek out a new insurance company.
On average, Houston drivers pay $4,690 for full coverage car insurance after receiving a DUI. This is 58 percent more than the Houston average for the same level of coverage.
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$842
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$2,726
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$911
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$3,041
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$1,167
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$4,488
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$1,193
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$3,725
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$1,665
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$5,328
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Minimum coverage requirements in Houston
Like most states, car insurance is required to drive legally in Texas. Houston drivers must carry at least the following car insurance coverage to meet the state’s minimum requirements:
- $30,000 in bodily injury liability insurance per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Insurers in Texas must also offer uninsured and underinsured motorist coverage, along with personal injury protection (PIP), but policyholders can reject these coverage types in writing. Most experts recommend purchasing more than the minimum insurance, though, since it does not cover the cost of damage to your own vehicle if you cause an accident. Minimum coverage could also leave you vulnerable in the event your vehicle is damaged by weather, vandalized or stolen and unrecoverable. For better financial protection, consider adding collision and comprehensive coverage, often informally referred to as full coverage.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
