Best Car Insurance in Houston 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Houston.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
February 23, 2021Nissan Xterra Off Road7703430Kemper$148/mo.$78/mo.
July 5, 2021Ford Escape S7701650Progressive$276/mo.$102/mo.
May 15, 2021Chevrolet Malibu Rs7702644Bristol West$250/mo.$108/mo.
April 26, 2021Toyota Camry Base7703727Allstate$195/mo.$118/mo.
February 22, 2021Ford Fiesta SE7705728ClearCover$272/mo.$212/mo.
Here’s more information about what impacts the insurance rates in your Houston.

How much does car insurance cost in Houston?

Car insurance in Houston, Texas costs single-car drivers an average of $2,949 annually, or about $246 per month. Compared to the state annual average of $2,863, auto insurance in Houston is $86 higher higher.
Houston offers many world-class charms, including food, culture, and the Johnson Space Center.
As Texas’ biggest city, Houston also offers notorious amounts of traffic. So, your quest to find cheap car insurance may be a bit of a struggle.
But have no fear—use Jerry to browse quotes from up to 50 top providers to find a great insurance policy at a cut-rate price. Once you’ve selected a new policy, Jerry will do the work of signing you up for your new policy and canceling your old one for you.
Keep reading to get the lowdown on what impacts your insurance in Houston.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Houston$3,068$2,075$2,494$1,465$3,335$2,592
National Average$3,223$2,143$3,086$1,764$3,423$2,486
HoustonNational Average
All Coverage Before Jerry
$3,068$3,223
All Coverage After Jerry
$2,075$2,143
Minimum Coverage Before Jerry
$2,494$3,086
Minimum Coverage After Jerry
$1,465$1,764
Full Coverage Before Jerry
$3,335$3,423
Full Coverage After Jerry
$2,592$2,486
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Choosing a carrier in Houston

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
State Farm is the nation’s largest provider, offering many policy options, and has a well-developed online platform.
Farmers may be a good choice for those looking to bundle policies: they offer car, motorcycle, boat, RV, home, life, and more types of insurance.
Geico is recognized for offering simpler policies for more affordable prices in Houston.
Additionally, USAA has a notable presence in Houston, but its insurance eligibility is limited to military personnel and veterans.
Depending on the type of car you drive, your driving record, and discount eligibility, you may find that a different provider better fits your needs. That’s okay! That’s why Jerry is here to help you compare quotes from up to 50 insurers.
Here’s what drivers pay with some of the most popular insurance providers in Houston before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$6,263$2,258Compare Prices
Kemper$2,287$989Compare Prices
Allstate$2,310$907Compare Prices
Safeco$2,347$898Compare Prices
Progressive$2,513$744Compare Prices
Travelers$2,344$712Compare Prices
Nationwide$2,977$681Compare Prices
National General$2,916$12Compare Prices
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What kind of car insurance you need in Houston

In Houston, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Texas is an at-fault state, meaning that whoever causes an accident is expected to file a claim on their insurance. That being said, the Lone Star State requires every driver to carry minimum amounts of three types of coverage:
Liability insurance covers any damages you cause to another driver or vehicle––it does not cover damages to you or your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. 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:
Houston drivers are strongly recommended to invest in coverage beyond the state minimums in order to protect themselves and their vehicles.
With lots of drivers on the road in Houston, there are multiple additional coverages to consider:
FactorRecommended coverageDescription
Personal injuriesPersonal injury protectionPIP takes care of your medical expenses and lost income if you are injured in an accident. It does not matter who is at fault.
Damages to your vehicleCollision insuranceCollision insurance covers damages to your vehicle in the case of a collision with another vehicle or an object.
Severe weather or other accidentsComprehensive insuranceComprehensive coverage pays for damages to your vehicle not caused by a collision. This includes damage from tornadoes, vandalism, and more.
High population densityAccident forgivenessThis coverage prevents your rates from climbing after your first at-fault accident.
Uninsured driversUninsured/underinsured motorist coverageA significant number of drivers in Texas—about 20%—are uninsured. If you are in a major accident and the at-fault driver doesn’t have enough coverage, your uninsured motorist insurance will kick in to cover your damages.

What determines your car insurance cost in Houston

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Houston, you could be paying as much as $63 more per month than an adult driver. These are average rates for Jerry customers in Houston broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$5,351$1,556
21-24$3,489$1,074
25-34$2,951$961
35-44$3,023$999
45-54$2,785$921
55-64$3,036$1,073
65+$2,270$654
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Houston with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,055$976
Improper Passing$4,401$2,232
Failure to Obey Traffic Sign$3,788$1,746
Speeding under 15$3,328$1,214
Careless Driving$3,600$712
Driving on Sus. License$2,251$661
Defective Equipment$2,400$570
DUI$1,934$481
Speeding over 15$3,432$348
Illegal Turn$1,140$48
Other$4,510$1,827
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Where in Houston you live

It may seem like insurance rates in Houston should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Houston, residents of 77053, 77049, 77041, 77040 and 77076 will have the most expensive car insurance rates, while people who live in 77339, 77029, 77012, 77013 and 77011 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Houston:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
January 4, 202177068Toyota Corolla LTX23State Auto$142/mo.$77/mo.
October 6, 202177009Tesla Model 3TX41Travelers$139/mo.$100/mo.
September 15, 202177070Ford MustangTX28Gainsco$257/mo.$138/mo.
October 8, 202177083Ford F150 SupercrewTX19Allstate$260/mo.$156/mo.
September 12, 202177086Honda Accord SportTX30Nationwide$265/mo.$160/mo.
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Why is car insurance in Houston so expensive?

A variety of considerations determine baseline car insurance rates in Houston. Insurance companies often consider the following:
Two interconnected main factors are responsible for driving up Houston car insurance rates.

Traffic

Houston consistently ranks in the top 10 US cities with the worst traffic. This increases your likelihood of encountering frustrated drivers and being involved in an accident.

High accident rates

Unfortunately, many frequent and severe collisions occur on Houston roads every day. Not surprisingly, insurers see Houston drivers as high risk.

How can you save money on car insurance in Houston?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

You can still find great ways to save in the form of discounts. To chip away at your premium, you can combine multiple discounts.
Here are some common discounts available with insurance carriers in Houston:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Good studentFull-time students under age 25 can usually save on their insurance payments for maintaining at least a B average.
Anti-theftIf your car comes with anti-theft devices or you have installed some after purchasing, you can save on your monthly premium.
Defensive drivingTaking a state-approved defensive driving course will lower your accident risk, making you more attractive to insurers.
New vehicle discountDriving a car less than three years old gives you access to the latest safety features. Your insurer might reward you for registering a new car.
Low mileage discountPublic transit fans, listen up: some insurers will reward you for driving fewer than a certain number of miles per year.
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