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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: DenisTangneyJr/Getty Images October 12, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. As inflation continues to rise, saving money in any aspect can be a priority for many. Finding affordable rates for car insurance is just one way consumers can get their budgets in check. To give you an idea of what you might pay, the average cost of car insurance in Houston is $2,106 per year for full coverage and $652 per year for minimum coverage, or about $175 and $54 monthly, respectively. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More The insurance companies in Houston with the cheapest rates are State Farm, Geico, Esurance, Mercury and USAA, according to Bankrate’s research. Your rate may vary, as Houston car insurance rates are based on several factors, including personal characteristics, such as your age, gender, driving history and claims record. Best cheap car insurance companies in Houston
The top three best car insurance companies in Houston with the are State Farm, Geico and Esurance, according to data provided by Quadrant Information Services. Besides average annual premiums, we compared and analyzed dozens of companies’ discounts, coverage options, policy features, accessibility and third-party rankings for customer satisfaction and financial strength. These factors also help to make up the Bankrate Score, which is our proprietary five-point scale scoring system. The Bankrate Score, along with and customer satisfaction scores, can help car insurance shoppers make an informed decision on the best cheapest car insurance in Houston, potentially shortening the time it takes to compare quotes to find the most affordable rates for the coverage you need. Insurance company Bankrate Score J.D. Power score (Texas) Average annual premium for full coverage Average annual premium for minimum coverage 4.7 851/1,000 $1,474 $513 4.7 843/1,000 $1,541 $475 4.2 Not rated $1,696 $596 4.1 Not rated $1,726 $562 5 885/1,000 $1,733 $556 State Farm
Not only is State Farm one of the cheapest car insurance companies in Houston on average for full coverage on our list, it also has a near perfect Bankrate Score of 4.7. In Texas, the company ranks second place for overall customer satisfaction in the . The carrier may be a great option for , as it offers teen driving discounts with and an additional savings up to 15% with its Steer Clear program. However, State Farm does not offer gap insurance, which could be a drawback for drivers with new vehicles. Learn more: Geico
Geico ties with State Farm with a 4.7 Bankrate Score and also offers some of the cheapest rates for minimum coverage and full coverage. The carrier also has a long list of available , which can help drivers maintain affordable rates even if they need more coverage. Geico falls short, however, with a below-average ranking in Texas for overall customer satisfaction, as surveyed by J.D. Power. Learn more: Esurance
Esurance, an Allstate company, has average rates for full and minimum coverage that still fall below the citywide average in Houston and statewide average for . The carrier only offers car, home, motorcycle and renters insurance, but still offers the common coverage types you might expect from carriers for car insurance, including extras like gap insurance and rental car coverage. Esurance earns a respectable 4.2 Bankrate Score, but did not place in the J.D. Power study in Texas for customer satisfaction. Learn more: Mercury
Even though Mercury is one of the less popular car insurers, it still offers Houston drivers optional add-ons, such as rental car, roadside assistance and ride-hailing coverage. This carrier earns the lowest Bankrate Score on our list of 4.1 and did not place for customer satisfaction in Texas in the 2022 J.D. Power Auto Insurance Study. However, its minimum and full coverage rates are still below the average for Houston. Learn more: USAA
With a perfect Bankrate Score of 5 and the highest J.D. Power score in Texas for customer satisfaction, USAA may be the best car insurance in Houston for some drivers. Unfortunately, it is not eligible for official ranking with J.D. Power due to its eligibility restrictions, which is limited to current and past service members and their eligible immediate families. USAA also has one of the highest average rates for cheap car insurance companies on our Houston list, although it still comes in below the citywide average. Learn more: How to get and keep the cheapest car insurance in Houston
To get the most competitive rates for car insurance, Houston drivers may have to put in some work. Here are some ways to get and keep the cheapest car insurance in Houston: Shop and compare quotes. Just because a carrier offers affordable rates, it does not mean it is the best option for your needs. Shopping around by comparing several can help you ensure you are getting the cheapest rates on the best car insurance in Houston without having to limit coverage to make it affordable. Maintain a clean driving record. Keeping a clean driving record is one of the best ways to keep rates. It also often opens you up to eligibility for accident forgiveness, which protects your rates if you cause your first at-fault accident, and discounts for safe driving, which those with blemishes on their driving record may not qualify for. Frequently asked questions
What is the best car insurance company
The company with the best car insurance in Houston can differ for everyone, since each person has different criteria for an insurance company. For instance, you may want a company with strong financial scores and high third-party ratings for customer satisfaction. Or, the company’s mobile accessibility and claims track record may be more important. Determine what you want most out of a company and research carriers in your area to find the .
Why are car insurance rates in Houston so high
Car insurance rates in Houston are higher on average than likely due to population density, and damaging weather events. Motor vehicle thefts, including parts and accessories, are common in Houston, which can lead to higher comprehensive claims. Houston also sees each year, which can lead to flooding and more claims for damage, driving up insurance costs.
What is the average cost of car insurance in Houston TX
The average cost of car insurance in Houston, TX, is $652 for minimum coverage and $2,106 for full coverage. This is higher than the national average, which is $545 for minimum coverage and $1,771 for full coverage.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 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 are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. SHARE: Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Related Articles