Houstonians need their cars to get around, and to have a car, you need car insurance. We compared car insurance companies from Houston and Harris County to see which have the most affordable rates. Read below to see which insurers had the best car insurance quotes, or put your information up top to see a list of insurers in your neighborhood.
Houston is the largest city in Texas, with a population of approximately 2 million, and is the largest economic and cultural center in the southern United States. From its origin as a crude oil producer, Houston has grown into one of the nation’s largest, most affluent cities. It has a vibrant economy and a whole lot of spirit. People from all over visit Houston to enjoy its world-class dining, major league sports teams, shopping and much more. Of course, all this activity and all these people translate into crowded roads, so make sure you have the insurance coverage you need!
We surveyed 11 companies from Houston and the Harris County area to see which auto insurers in Texas generally offered the best car insurance rates. Overall, we found Texas Farm Bureau to have the cheapest auto insurance quotes for our sample driver with an average premium of $1,284—about half as expensive as the city average. Since they a membership however, not all may be willing to sign up for it. The next best auto insurer for Houstonians is Progressive, around $250 per year more expensive.
How We Compared Quotes
We collected quotes from different insurance companies across 78 towns and cities in Texas and eight in Harris County. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Texas. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
Many factors go into calculating car insurance rates, but a driver’s location is typically used to kick off the process. ZIP codes are judged to have different risk levels based on the number and severity of car insurance claims within the area. Car insurance companies create the base rate used as the starting point for drivers buying coverage, and then add other pricing factors such as the driver’s age, driving record and type of car.
To see how other Houston car insurance rates compare, use our average rates tool below. Enter a ZIP code, select from among six age groups and three coverage levels and it will show the average rate, as well as the highest and lowest, for your location.
Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Houston, Texas. Shop for your auto insurance today!
Driving Conditions in Houston
While congestion is common on freeways surrounding Houston, traffic studies that are conducted using state-of-the-art equipment have helped Houston handle some of the traffic load in the city. Houston TranStar works on traffic management efforts including carpool lanes, timed freeway entrances on Interstate 45 and cameras located along freeways that are used to gather information about lightening the traffic load.
Odd Laws in Houston
Texas drivers may be surprised to learn that vehicle inspections in the state of Texas do not address the condition or presence of the windshield of a car or truck. However, windshield wipers are included in the inspection.
Let Us Find You the Best Rate in Houston
High numbers of drivers, accident reports and other factors usually drive auto insurance rates up in urban areas. Houston is no exception. Houston drivers, on average, can expect to pay around $2,800 per year for coverage. This is one of the highest rates in Texas. But don’t skimp on coverage without coverage just to lower your price. Our agents can find you the most affordable price for a comprehensive policy.
Texas drivers have to carry minimum liability insurance to legally operate. The Texas requirement is:
- $30,000 injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
If you work with Cheapest Auto Insurance, we’ll make sure your policy abides by these regulations. But, we won’t stop there. We’ll also ensure your policy has coverage appropriate for your vehicle and risks. That way, if you’re involved in an accident, you’ll remain financially protected. We can often get you coverage for below-average rates in Houston. It’s a win-win situation.
Car insurance in Houston Texas can cost around $2,881 Per year, making it the most expensive city of Texas for auto insurance. In Houston, the difference between the cheapest and the most expensive car insurance company is $1696 a year. We have compared car insurance quotes from multiple companies in Houston to determine which insurance company offer the cheapest car insurance rates and which has the most expensive quotes. Based on our data Progressive, Texas Farm Bureau and State Farm insurance offer the cheapest auto insurance rates in Houston. These three low cost car insurance companies are 34 — 51% lower than average car insurance rates in Houston. This is why it is important for car owners to shop around and take multiple quotes before making a decision going with a provider. We recommend you can start with taking a quote from STATE FARM insurance because of its coverage, cheap quotes and national ratings. All you need to do is enter your zip code and we will automatically transfer your call to the cheapest car insurance provider in your area.