Houston Car Insurance rated for 5 star by Houston Car Insurance for our United States readers, especially for you at Houston, TX, USA. Houston Car Insurance by HoustonCarInsurance.org help you get the best Houston car insurance rates and cheapest one from top 10 car insurance companies in Houston Texas
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Houston Car Insurance. Houston, Texas, with a population of around 2.3 million people, is the fourth largest city in the United States. Now, Houston residents can get car insurance savings every bit as big as their city from the best car insurance companies in Houston, Texas.Average Houston Car Insurance Rates
How much is car insurance in Houston, TX? You can thank poor driving and the high rate of vehicle theft due to the increase in car insurance rates in Houston. The average level here is higher than the state and national averages. The average cost of car insurance in Texas is $934.22 per year. The national average cost is $889.01.The price of car insurance in Houston varies depending on several factors. This includes your driving history, your claim history, and your place of residence.
Houston, TX Average Annual Car Insurance Rates
| Coverage | Men | Women |
|---|---|---|
| Liability | $915 | $1,017 |
| Collision | $417 | $400 |
| Comprehensive | $135 | $116 |
| Total Cost Per Year | $1,467 | $1,533 |
| Price Per Month | $122.25 | $127.75 |
The chart below shows the average change in Texas auto insurance rates from 2011 to 2015. Car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, jumped $125, or 15.48 percent.
Texas car insurance rates.
Houston Car Insurance site helps consumers compare offers from national insurance companies and local agents. Comparing car insurance offers will help you find cheap car insurance rates in Houston, Texas. You can make savings up to 40 percent on your premium by using special services from several Houston car insurance companies in our recommendations.Last year, 64,413 residents used Houston Car Insurance services to compare car insurance offers in Houston, TX from various companies and found the cheapest rates.
The Best Car Insurance Company in Houston, TX
This is the most popular car insurance company reported by Houston Car Insurance users in Houston, Texas last year. Of these 64,413 drivers using Houston Car Insurance and 12,915 were not insured when they requested a quote.- GEICO
- Allstate
- Progressive
- Farmers
- Liberty Mutual
- Nationwide
- AIG
- AAA
- Esurance
- USAA
Other popular Houston car insurance companies: Safeco, Texas Farm Bureau, Country Financial, 21st Century, American Family, MetLife, and Hartford.
The Best High Risk Car Insurance Company in Houston
Drivers with tickets and accidents on their records can be classified as high risk. If you are a high-risk driver, you pay a much higher insurance rate. Some high-risk drivers may not be able to find companies that are willing to offer coverage to them.Fortunately, high-risk drivers in Houston can find protection through the Texas Car Insurance Plan Association. TAIPA helps ensure that each driver can get a minimum coverage level. In Texas, it's 30/60/25. We will discuss what is covered by the coverage level in the 'Minimum Car Coverage' section below.
Apart from that, these companies offer insurance policies for Houston's high risk drivers:
- GEICO
- General
- State Agriculture
- Texas Farm Bureau Insurance
- Allstate
- Dairyland
- Esurance
- A-MAX
Top 10 vehicles in Houston, Texas
This is the most common car owned by a Houston, TX driver using Houston Car Insurance last year.- Ford F150
- Honda Accord LX/EX
- Toyota Camry SE/LE/XLE
- Nissan Altima 2.5S
- Chevrolet Impala LS
- Ford Mustang
- Ford Explorer
- Ford Taurus SE
- Chevrolet C1500 Silverado
- Dodge Charger
Cheapest Houston ZIPCode / Neighborhood
| Zip Code | Monthly Rates | Annual Rates |
|---|---|---|
| 77059 - Clear Lake | $83 | $998 |
| 77339 - Kingwood | $84 | $1,008 |
| 77058 - Clear Lake | $84 | $1,014 |
| 77062 - Clear Lake | $85 | $1,019 |
| 77079 - Memorial | $86 | $1,028 |
The average rates in the above table are based on non-binding estimates, provided by the Quadrant Information Service. Your rates may vary.
The Most Expensive Houston Insure by ZIPCode / Houston Neighborhood
| Zip Code | Monthly Rates | Annual Rates |
|---|---|---|
| 77036 - Sharpstown | $111 | $1,326 |
| 77072 - Alief | $108 | $1,298 |
| 77033 - South Park | $104 | $1,249 |
| 77083 - Aleif | $104 | $1,245 |
| 77053 - Fort Bend Houston | $103 | $1,234 |
The average rates in the above table are based on non-binding estimates, provided by the Quadrant Information Service. Your rates may vary.
Minimum Car Insurance Requirements in Houston, TX
Houston, Texas has a minimum liability requirement known as the 30/60/25 rule. This means that each policy must include at least:- Individual Body Injury Responsibility (BIL): $30,000.
- The maximum amount that your insurance company pays for the person injured in a car accident.
- Total bodily injury obligations: $60,000.
- The total paid by your insurance company for every person injured in a car accident.
- Responsibility for Property Damage (PDL): $25,000.
- Your insurance buyer pays for property damage due to a car accident.
Recommended Coverage Rate
This is not a good idea to buy only legal minimum coverage. Although the costs are cheaper, minimum coverage becomes more expensive if you make a claim. Why? Minimum coverage does not include comprehensive coverage or collisions. Plus, it's easy to exceed the minimum coverage level after an accident.With that in mind, we recommend that the Houston driver to buy the following coverage:
- Individual Body Injury Obligations: $100,000
- Total bodily injury obligations: $300,000
- Responsibility for Property Damage: $100,000
Houston Driver Houston Car Insurance released an annual case of the Best and Worst Drivers by state and city. When it comes to being a good driver, Houston and Texas are both above average.
In the city studies, Houston drivers ranked 40th best out of 100 cities. In the state study, Texas is ranked 22nd best in each state.
That's good news for Houston drivers, because living in an area with a low-risk driver lowers your insurance premium.
Driving Conditions Driving conditions in Houston are the main reason the insurance rates in the city are higher than the national average. Bad weather and inadequate road maintenance negatively affected driving conditions.
Weather in Houston Houston's weather is warm because it's very close to the Gulf of Mexico. Summer feels hot and humid. Winter is mild. Frequent and heavy rainfall and altitude below sea level create many problems for local drivers in the form of urban flooding. Recently, Hurricane Harvey destroyed the city, destroying up to one million cars. On the bright side, it's almost never snowing.
Road conditions According to the TRIP report that there are 24% of Houston's roads in poor condition. The other 28 percent are mediocre. Records show that paving Houston's roads has dropped 53% since 2008. If you think the hole is getting worse, it's not your imagination. Hole repair has declined from 19,000 improvements in 2012 to 16,000 in 2014. Road conditions make Houston pay $610 per year for additional vehicle operating costs due to traffic jams, collisions and repairs.
Traffic congestion TomTom ranks Houston 117 in the worst traffic world. An average commuter spends 121 hours per year trapped in heavy traffic on a poorly maintained road.
Moving abuses can only give you a bad driving record. Insurance carriers mark the worst riders with the most tickets "disliked" and make them buy non-standard and high-risk car insurance.
Traffic Ticket
The Houston City Court website allows you to pay for traffic tickets. You can also find ways to fight tickets. If you get a moving violation, you have to fight it. Moving violations can increase your insurance rates for three to five years.
Houston Car Accident Statistics
Houston, TX officials reported 59,630 car accidents in 2017 which resulted in 28,178 injuries. 1202 of these injuries are serious.
SR-22 DWI Insurance
DWI's confidence may require you to obtain an SR-22 form. Filling out the SR-22 form is an expensive and time-consuming process. Almost guaranteed to increase your insurance rates.
Traffic Death
Houston officials reported 216 fatal car accidents in 2017 which resulted in 232 deaths.
Accident and Injury DWI
Houston reported 1,560 collisions involving alcohol or drugs in 2017. This accident caused 708 injuries and 72 deaths involving the driver who had a disturbance.
Vehicle Theft Rates
Houston police reported 11,680 vehicle thefts in 2017. Rate of 5.05 per 1,000 inhabitants. This shows that more than twice the national average of 2.37 thefts occurs per 1,000 people.
Car Insurance Discounts
Discounted car insurance is the best way for drivers to reduce their rates. The following are some discounts available to drivers in the Houston, Texas area.
- Get a new car. New car insurance discounts are normal. If the car has safety features such as electronic stability control or anti-lock brakes, you can get further discounts.
- Live in a safe environment with low crime. People living in postal codes with high crime and poor driving conditions submit more insurance claims.
- Combine your car insurance with your homeowner, tenant or life insurance policy. Combining your policies with an insurance company can save 20 percent.
- Take a defensive driving course at an accredited driving school. You might be able to save a lot more money as much as possible to avoid accidents. Especially if you consider that 14.1% of drivers in Texas do not have car insurance.
- Shop and compare offers. That's the most appropriate way to get the cheapest car insurance in Houston city.
Level Methodology
- We compare rates from three different insurance companies for 30-year-old male and female drivers with the Honda Accord 2010. Our tariff profile has a record of clean driving and driving less than 10,000 annual miles. Coverage includes state obligations of at least 25/50/10 and 25/50/10 coverage of uninsured motorists. The policy also includes a $10,000 personal and comprehensive $500 injury protection and is deducted from a collision.
- Auto insurance exchange rate data is provided by Quadrant Information Services. Rates are based on profiles of 35-year-old drivers, owning the Toyota Camry 2015, driving less than 10,000 annual miles, good credit, net records, and minimum state obligations 25/50/10. Rates are the average of the top 10 insurance companies in the state of Texas.
Houston Car Insurance.
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