policy costs about $79 per month for minimum coverage liability insurance, and about $192 per month for full coverage insurance. Katy drivers pay 3% less than the

Texas

average.

Every month, thousands of savvy car insurance shoppers in Katy, Texas use the

trusted broker

Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Katy customers.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 21, 2023	Clearcover	$131	John, 33 Zip: 77493	BMW X5 xDrive30i	• State Minimum Liability
September 21, 2023	Progressive	$257	Lester, 36 Zip: 77450	BMW X3 sDrive28i	• State Minimum Liability • Comp / Collision
September 20, 2023	Allstate	$136	Bernard, 56 Zip: 77449	Mercedes-Benz C 300 4matic	• 50,000/100,000 Liability
September 18, 2023	Travelers	$119	Keith, 37 Zip: 77494	Honda CR-V EXL	• 100,000/300,000 Liability • Comp / Collision
September 16, 2023	Nationwide	$98	Frank, 42 Zip: 77449	Honda Pilot LX	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 21, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best car insurance companies in Katy

No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different

car insurance quotes

based on their profile—so the most affordable company differs for everyone. Besides price, you also have to consider factors such as claims handling and customer service.

Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Progressive	4.4	4	3.8	4.3
USAA	4.2	3.3	4.4	4.3
State Farm	3.9	3.4	3.7	4
Geico	3.9	3.1	4.2	4.1
Liberty Mutual	3.3	2.6	N/A	3.2

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Katy

Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Katy—and offers you the cheapest rate.

But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.

Cheap minimum liability insurance quotes in Katy

To hit the road legally, Katy drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:

$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$25,000 for property damage

These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.

Jerry has helped Katy drivers find affordable minimum liability coverage with no hassles.

Progressive

Louise (59 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77494)

Toyota Highlander LE

$74

per month

Nationwide

Lawrence (33 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77449)

Toyota Corolla

$61

per month

Safeco

Allen (76 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77450)

Ford Fusion Titanium

$123

per month

Travelers

Norman (49 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77449)

Jeep Renegade Latitude

$130

per month

Clearcover

John (33 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77493)

BMW X5 xDrive30i

$131

per month

Do you need more than minimum coverage in Katy?

Most drivers in Katy need higher liability coverage than the 30/60/25 state minimum mandated by

Texas car insurance laws

If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit.

It’s important to note that

Texas’ car accident laws

allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date!

The bottom line: For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Katy

Full coverage car insurance

is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle.

Full coverage includes comprehensive and collision coverage:

Collision coverage

covers the cost of repairing or replacing your car after an accident. In contrast

Comprehensive coverage

pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.

If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.

On top of a full-coverage policy, you can choose to purchase

uninsured motorist coverage

to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.

Jerry has helped drivers in Katy and beyond find full coverage quotes that won’t break the bank.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$257	Lester, 36 Zip: 77450	BMW X3 sDrive28i
• 100,000/300,000 Liability • Comp / Collision	Travelers	$119	Keith, 37 Zip: 77494	Honda CR-V EXL
• State Minimum Liability • Comp / Collision	Safeco	$78	Mable, 49 Zip: 77494	Hyundai Genesis 5.0L
• State Minimum Liability • Comp / Collision	Allstate	$121	Alexander, 28 Zip: 77493	Toyota Scion IM
• State Minimum Liability • Comp / Collision	Clearcover	$238	Mollie, 39 Zip: 77449	Ford Explorer Platinum

Last Updated Sep 22, 2023

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Compare car insurance costs in other states

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Average cost of car insurance in Katy

After analyzing scores of insurance providers in Katy, we have discovered that the average price for minimum liability coverage amounts to be $79 per month or $948 per year. Additionally, residents of Katy can expect to pay an average of $192 per month or $2,302 per year for full coverage insurance.

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Katy by zip code

Where you live can also impact your insurance premium—right down to your zip code. Insurance companies consider factors like population density, accident rates, crime statistics, and local weather conditions when calculating your premium.

Insurance companies consider factors such as population density, crime rates, traffic congestion, weather, and the frequency of accidents in a particular area.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
77449	$130	$221
77493	$121	$198
77494	$81	$193

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Car insurance quotes in Katy by rating factors

Insurance companies in Katy use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Katy?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Katy:

Cheap car insurance quotes in Katy after driving violations

Your

Texas driving record

influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Cheapest car insurance in Katy after DUI

DUI

in Katy is a serious violation and it will trigger extremely high rates for car insurance and label you as a

high-risk driver

. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to

shop around and compare rates

Jerry has assisted many Katy drivers with finding affordable rates after a DUI.

Mercury

Steve (37 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77449)

GMC Acadia SLT-1

$191

per month

Commonwealth Insurance

Jane (62 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77493)

Nissan Frontier S

$126

per month

Cheapest car insurance in Katy after an at-fault accident

One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	Progressive	$203	Lillie, 34 Zip: 77449	Nissan Rogue Sport S	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Travelers	$219	James, 43 Zip: 77494	Dodge Charger GT	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Allstate	$107	Cornelia, 31 Zip: 77449	KIA Sorento LX	• 100,000/300,000 Liability
At Fault With No Injury	Safeco	$221	Madge, 22 Zip: 77494	Nissan Altima SV	• State Minimum Liability • Comp / Collision

Last Updated Sep 19, 2023

Cheapest car insurance in Katy after other driving violations

Speeding tickets, DUIs,

reckless driving

, and

suspended licenses

on your driving record can all lead to rate hikes from any car insurance provider in Katy.

Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Defective Equipment	Progressive	$191	Landon, 26 Zip: 77493	Infiniti Q50	• State Minimum Liability
Failure to Obey Signal	Safeco	$116	Myra, 34 Zip: 77449	Nissan Rogue Sport S	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Allstate	$64	Clayton, 34 Zip: 77493	Volkswagen EOS Turbo	• State Minimum Liability
Improper Passing	Mercury	$96	Bernard, 30 Zip: 77449	Mercury Grand Marquis LS	• State Minimum Liability

Last Updated Sep 19, 2023

Cheap car insurance quotes in Katy by age

Young people and seniors generally face the highest insurance rates.

Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in Katy for young drivers

Teen drivers

aged 16 to 19 pay the highest insurance rates out of any age group in Katy. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents.

Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option!

Progressive

Jeanette (21 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77449)

KIA Sorento LX

$220

per month

Allstate

Loretta (23 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77494)

Mini Cooper

$174

per month

Safeco

Wayne (22 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77494)

Nissan Altima SV

$221

per month

National General

Edward (21 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77450)

Toyota Corolla L

$199

per month

Gainsco

Charles (21 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77450)

Toyota Corolla L

$272

per month

Cheapest car insurance in Katy for senior drivers

Car insurance rates for seniors

tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.

Progressive

Paul (76 years old)

Coverage

State Minimum

Katy, TX (Zip Code: 77450)

Ford Fusion Titanium

$124

per month

Safeco

Phillip (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Katy, TX (Zip Code: 77449)

Nissan Altima SV

$95

per month

Travelers

Devin (67 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Katy, TX (Zip Code: 77493)

Ford Fusion SEL

$137

per month

Allstate

Myrtie (74 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Katy, TX (Zip Code: 77449)

RAM 1500 Laramie

$197

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Switching to National General was SO easy and it saved me over $100/month! I'm so glad I made the switch!

Courtney

Got a decent rate for my Tesla Model S from travelers

Kishore

Great fil for this app and helping me save money!

Aaron

They were affordable and great very personable and reasonable

Audrey

Cheap car insurance quotes in Katy based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Progressive

Margaret (36 years old)

Currently Insured

Coverage

State Minimum

Katy, TX (Zip Code: 77450)

BMW X3 sDrive28i

$257

per month

Travelers

Sam (37 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Katy, TX (Zip Code: 77494)

Honda CR-V EXL

$119

per month

Allstate

Lela (47 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Katy, TX (Zip Code: 77450)

Subaru Crosstrek Premium

$122

per month

Safeco

Adelaide (49 years old)

Currently Insured

Coverage

State Minimum

Katy, TX (Zip Code: 77494)

Hyundai Genesis 5.0L

$78

per month

Clearcover

Hannah (33 years old)

Currently Insured

Coverage

State Minimum

Katy, TX (Zip Code: 77493)

BMW X5 xDrive30i

$131

per month

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though

credit scores

don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$124	Cordelia, 76 Zip: 77450	Ford Fusion Titanium	• State Minimum Liability • Comp / Collision
660 - 750	Travelers	$119	Sam, 37 Zip: 77494	Honda CR-V EXL	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Safeco	$89	Jean, 31 Zip: 77449	KIA Sorento LX	• 100,000/300,000 Liability
550 - 659	Allstate	$136	Mable, 56 Zip: 77449	Mercedes-Benz C 300 4matic	• 50,000/100,000 Liability
< 550	State Auto	$95	Ola, 39 Zip: 77449	Ford Escape SE	• State Minimum Liability

Last Updated Sep 25, 2023

Cheap car insurance quotes in Katy for popular cars

The make and model of your vehicle is an important factor in determining your insurance rate in Katy. Every model has a unique cost of repair, set of safety features, and rate of theft.

Popular car models

for Katy drivers include:

Honda Civic

Nissan Rogue

Ford Bronco

Chevrolet Silverado 1500

Toyota Corolla

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota Corolla L	Progressive	$105	Virgie, 26 Zip: 77450	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 25, 2023

How to lower car insurance costs in Katy

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Katy?

People living in Katy pay on average $79 per month – or $948 per year – on state-minimum liability coverage. Full coverage in Katy costs on average $192 per month of $2,302 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Katy?

Based on thousands of Katy drivers Jerry has worked with, car insurance in Katy costs an average of $79 per month for state-minimum coverage and $192 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the minimum car insurance in Katy, Texas?

The state-minimum car insurance in Katy, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.

What is the best car insurance in Katy?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, and

Direct Auto

receive good ratings from Katy drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.