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Car Insurance Quotes in Houston, TX

Full coverage / year
$3,127
State minimum / year
$914
Typical quote range
$2,220 – $4,316

Drivers in Houston pay an estimated $3,127 a year for full coverage car insurance, or about $261 a month. Rates here run roughly 24% higher than the rest of Texas, driven by dense metro traffic, higher theft and vandalism claims, and expensive body-shop labour. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Houston, TX

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$261/ month
$3,127 per year · carriers in Houston, TX typically quote $2,220 – $4,316
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Houston, TX

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$2,377$198-24%Military members and families only
Geico$2,564$214-18%Usually cheapest for clean records
State Farm$2,752$229-12%Strong for young and student drivers
Progressive$2,971$248-5%Competitive after a ticket or accident
Travelers$3,033$253-3%Good multi-policy discounts
Nationwide$3,127$2610%Mid-market, wide availability
Allstate$3,565$297+14%Higher base rate, heavy discount stacking
Farmers$3,784$315+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Houston, TX. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Houston

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$8,447$2,469$704
18 years old$7,125$2,083$594
20 years old$5,900$1,725$492
22 years old$4,900$1,432$408
25 years old$3,740$1,093$312
30 years old$3,224$942$269
40 years old$3,031$886$253
50 years old$2,902$848$242
60 years old$2,869$839$239
65 years old$2,998$876$250
70 years old$3,288$961$274
75 years old$3,837$1,121$320

Estimated premiums by age in Houston, TX, clean record, sedan.

What a ticket, accident or DUI costs in Houston

Driving recordEst. annualIncrease
Clean record$3,127—
1 speeding ticket$3,847+23%
1 at-fault accident$4,597+47%
DUI / DWI$5,911+89%

What a violation costs a 35-year-old in Houston, TX. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Texas

Every driver registering a vehicle in Texas must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Texas Department of Insurance.

Required coverage in TexasMinimum limit
Bodily injury liability, per person$30,000
Bodily injury liability, per accident$60,000
Property damage liability$25,000
Insurance systemAt-fault (tort)

Coverage levels compared in Houston

Coverage levelEst. annualEst. monthly
State minimum liability$914$76
Full coverage (100/300/100 + comp & collision)$3,127$261
Full coverage, high limits + low deductible$3,721$310

Coverage level comparison for Houston, TX.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Houston

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Houston covers 77001, 77002, 77003, 77004, 77005, 77006 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Houston, TX?
Full coverage in Houston is estimated at $3,127 a year ($261 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $914 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Texas?
Texas requires at least $30,000 bodily injury per person, $60,000 per accident and $25,000 property damage. Texas is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Houston?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Houston for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Houston?
An 18-year-old in Houston is estimated at $7,125 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Houston?
A DUI takes the estimate from $3,127 to about $5,911 a year in Houston, an increase of roughly 89%. Texas drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Houston?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

PasadenaSouth HoustonChannelviewDeer ParkMissouri CityPearlandStaffordFresno

Comparing more of Texas? See every Texas city we price or read the cheap car insurance guide for Houston.