Cheapest car insurance companies in Houston
After an in-depth analysis, Insurance.com found that Geico and Progressive are the cheapest car insurance companies in Houston for 2023.
Geico has the cheapest car insurance rates in Houston at an average cost of $1,450 per year.
The cost of car insurance in Houston varies depending on your ZIP code, driving history, coverage level, and carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Houston.
| Companies | Average annual rates |
|---|---|
| USAA | $1,233 |
| Geico | $1,450 |
| Progressive | $1,920 |
| State Farm | $2,066 |
| Allstate | $2,183 |
| Western National Mutual | $2,271 |
Cheapest car insurance cost in Houston by Age Group
USAA is the cheapest option for car insurance in Houston for teen drivers, with average annual premiums at just $3,920 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in Houston, offering full coverage at an annual average cost of $1,783.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Houston is USAA. Its average rate for a full coverage car insurance policy is $1,241 per year.
Houston senior drivers seeking affordable car insurance should look no further than Geico. It offers the cheapest car insurance rates for seniors, with an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,246. It makes Geico a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,920 | $1,872 | $1,241 | $1,269 |
| Geico | $4,869 | $1,783 | $1,386 | $1,246 |
| Western National Mutual | $5,786 | $4,062 | $2,302 | $2,345 |
| Allstate | $6,080 | $3,636 | $2,143 | $2,413 |
| State Farm | $6,436 | $3,597 | $2,064 | $2,051 |
| Progressive | $7,557 | $3,106 | $1,898 | $2,125 |
Cheapest car insurance companies in Houston by driver profile
Insurers in Houston consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
When it comes to finding the cheapest car insurance rates in Houston, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Houston drivers based on driver profile.
- Cheapest for a driver with poor credit: Progressive
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Progressive
Progressive is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Houston drivers is $1,903.
Drivers with poor or bad credit scores in Houston can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Progressive | $1,903 |
| USAA | $2,062 |
| Geico | $2,301 |
| Allstate | $2,770 |
| State Farm | $2,851 |
Cheapest for drivers with a speeding ticket: USAA
In Houston, USAA provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,469, on average.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $1,469 |
| State Farm | $1,637 |
| Progressive | $1,712 |
| Geico | $2,148 |
| Allstate | $2,523 |
Cheapest auto insurance after an at-fault accident: State Farm
If you've had an accident, State Farm might be your best bet for affordable auto insurance.
For Houston drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,774. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| State Farm | $1,774 |
| USAA | $1,873 |
| Geico | $2,108 |
| Progressive | $2,358 |
| Allstate | $3,243 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Houston. On average, its annual full coverage rate is $1,637, making it a significantly cheaper option than other insurance providers.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $1,637 |
| Progressive | $1,798 |
| USAA | $2,168 |
| Geico | $2,615 |
| Allstate | $3,428 |
Average car insurance cost in Houston
Full coverage car insurance in Houston for a coverage limit of 100/300/100 is $1,854 per year or $155 per month, while the state minimum coverage costs an average of $487 a year.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State minimum average |
|---|---|
| $1,854 | $487 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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