Cheapest car insurance companies in Houston 

Geico and Progressive offer the cheapest car insurance rates in Houston for 2023, according to a study by Insurance.com.

Geico has the cheapest car insurance rates in Houston at an average cost of $1,450 per year.

Car insurance prices in Houston can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Houston drivers.

CompaniesAverage 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 offers the cheapest full coverage car insurance for teenage drivers in Houston, with an average annual cost of $3,920 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

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.

As Houston drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,241

With an average annual premium of $1,246, Geico offers Houston's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel. 

CompanyTeensYoung AdultsAdultsSeniors
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 

When determining car insurance rates in Houston, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

Comparison shopping is the key to getting the cheapest car insurance rates in Houston. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

Here's a list of car insurance companies that offer cheap insurance rates in Houston based on driver profile. 

Progressive has the cheapest rates for Houston drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,903, Progressive offers substantial savings among the insurers analyzed.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Progressive$1,903
USAA$2,062
Geico$2,301
Allstate$2,770
State Farm$2,851

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Houston. It offers full coverage car insurance for drivers aged 30 at about $1,469 per year

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. 

CompanyAverage annual premium
USAA$1,469
State Farm$1,637
Progressive$1,712
Geico$2,148
Allstate$2,523

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.

CompanyAverage annual rates
State Farm$1,774
USAA$1,873
Geico$2,108
Progressive$2,358
Allstate$3,243

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.

CompanyAverage annual rates
State Farm$1,637
Progressive$1,798
USAA$2,168
Geico$2,615
Allstate$3,428

Average car insurance cost in Houston 

In Houston, the annual cost of car insurance for the coverage level of 100/300/100 is $1,854 or around $155 per month. However, the average yearly rate for state minimum coverage in Houston is $487.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState 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.