Best Car Insurance in Houston 2021

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  • Real Quotes
  • Best Carriers
  • Minimum Coverage
  • Full Coverage
  • Cost by Age
  • Bad Driving Record
  • Young Drivers Bad Driving Record
  • Save Money
  • Cost by Zip Code
  • Methodology
Car insurance in Houston Texas costs single-car drivers an average of $2,804 annually, or about $234 per month. Compared to the state annual average of $2,640, auto insurance in Houston is $165 higher.
Here’s how much real Jerry customers pay for insurance in Houston:

Real quotes for Jerry customers in Houston, Texas

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
July 17, 2021Jeep Renegade LatitudeTX44InfinityCustom$166/mo.$80/mo.
July 6, 2021Jeep Renegade LatitudeTX44SafecoCustom$166/mo.$109/mo.
August 21, 2021Acura RDX TechnologyTX29ClearCoverStandard$260/mo.$138/mo.
August 30, 2021Honda Accord LXTX33MercuryCustom$250/mo.$160/mo.
June 11, 2021Chrysler 300 STX41Bristol WestStandard$250/mo.$212/mo.
The best way to secure the right plan for lower premiums in Houston is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inHouston have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Houston, Texas

Insurance Company
Before Jerry
After Jerry
State Auto$1,800$778
Kemper$2,568$1,530
Allstate$2,530$1,603
Safeco$2,824$1,978
Travelers$2,879$2,033
Nationwide$2,938$2,073
National General$3,632$2,316
Dairyland$4,071$2,838

Minimum coverage car insurance in Houston

On average, the cost of minimum coverage car insurance in Houston is $2,303 per year, or $192 per month.

The minimum level of car insurance required in Houston is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Houston:
Before Jerry
After Jerry
$1,978$1,099
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Allstate$2,297$1,040
Kemper$2,841$1,421
Progressive$2,661$1,599
Dairyland$2,400$1,632
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Full coverage car insurance in Houston

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Houston:
Before Jerry
After Jerry
$2,843$2,405
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Progressive$1,982$1,668
Travelers$3,299$2,415
Allstate$3,257$2,602
Safeco$4,212$3,410
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How does your age affect your auto insurance cost in Houston?

If you’re a driver under 25 in Houston, you could be paying as much as $83 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Houston saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$5,002$3,538
21-24$3,655$2,317
On the contrary, here’s how much drivers aged 25 and over in Houston pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,945$1,957
35-44$2,586$1,742
45-54$2,539$1,789
55-64$2,890$1,762
65+$2,313$1,361

Cheapest car insurance for drivers in Houston with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Houston saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,479$1,360
Other$2,928$954
Illegal Turn$1,140$1,092
Failure to Obey Traffic Sign$2,035$1,096
Driving on Sus. License$1,524$1,118
Speeding under 15$2,707$1,509
Defective Equipment$2,400$1,922
Improper Passing$5,220$2,534
Here’s how much drivers with a bad driving record in [Houston saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Kemper$2,884$1,548
Allstate$2,749$1,733
Progressive$2,902$1,926
Travelers$3,149$2,161
Nationwide$3,420$2,448
Safeco$3,616$2,493
Dairyland$5,580$4,181

Cheapest car insurance for young drivers in Houston with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,057$1,737
Other$2,928$954
Speeding under 15$2,764$1,894
Defective Equipment$2,400$1,922
Improper Passing$4,800$3,020
Here’s how much young drivers with a bad driving record in [Houston saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Kemper$3,142$1,535
Allstate$2,780$2,186
Progressive$3,814$2,431
Safeco$4,496$2,890
Travelers$6,267$2,912
Nationwide$5,640$3,858
Dairyland$6,218$5,028
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How can you save money on car insurance in Houston

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Houston you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
August 21, 2021Acura RDX TechnologyTX29ClearCoverStandard$260/mo.$138/mo.
August 25, 2021Hyundai Santa FE SportTX38ElectricCustom$221/mo.$113/mo.
August 30, 2021Honda Accord LXTX33MercuryCustom$250/mo.$160/mo.
July 17, 2021Jeep Renegade LatitudeTX44InfinityCustom$166/mo.$80/mo.
July 1, 2021BMW 528 XITX21KemperBasic$250/mo.$165/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
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