Car insurance in hou?
Car insurance in Houston costs an average of $1,183 for a six-month policy or $197 per month on average. In 2024, our data shows GEICO is the cheapest car insurance company in Houston with rates at $847 for a six-month policy.
Car insurance in Houston costs an average of $1,183 for a six-month policy or $197 per month on average. In 2024, our data shows GEICO is the cheapest car insurance company in Houston with rates at $847 for a six-month policy.
- Cheapest company for minimum coverage: Geico.
- Cheapest company for full coverage: Geico.
- Cheapest company for drivers with prior incidents: Geico.
- Cheapest company for young drivers: State Farm.
Drivers in Houston pay more for insurance because it is one of the fastest-growing cities in the country. More people on the road means a higher risk of being involved in an accident. But there are still ways to find cheap coverage. Below are the cheapest car insurance rates by company in Houston.
State Farm is the cheapest car insurance company overall according to NerdWallet's analysis, with an average rate of $39 a month for minimum coverage.
Based on our research, the average annual cost of a car insurance policy in Houston is $2,054, higher than the statewide average rate in Texas, which is $1,716 per year. Texas Farm Bureau has the lowest average car insurance rate in Houston at $1,014 per year.
Cheap Texas auto insurance quotes: Texas Farm Bureau
Texas Farm Bureau, State Farm and USAA are the cheapest insurance companies in Texas. All three offer full-coverage policies for less than $115 per month, which is much cheaper than average. In Texas, the average cost of a full-coverage policy is $153 per month.
GEICO has the cheapest rates overall on average. However, this can vary from person to person, so it's always a good idea to get quotes from many different insurers to see which policy is most affordable.
All 10 of the top auto insurers in the U.S. raised rates double digits in 2023, with all but two—GEICO and Allstate—ending the year with higher rate increases than the prior year.
Geico is so cheap because it sells insurance directly to consumers and offers a lot of discounts. Direct-to-consumer insurance sales eliminate the cost of middlemen and allow Geico to have significantly fewer local offices and agents than companies like State Farm and Allstate.
Who is cheaper Geico or Progressive?
Both Geico and Progressive insurance offer lower average premiums on policies for drivers and homeowners, but if cost is your primary consideration, Geico insurance has the edge.
| Company | Average full coverage rate per year | Average full coverage rate per month |
|---|---|---|
| Geico | $1,846 | $154 |
| State Farm | $1,976 | $165 |
| Progressive | $2,112 | $176 |
| Nationwide | $2,279 | $190 |
Progressive is so cheap because it offers a wide variety of discounts and gives consumers tools to acheive the best rates possible, such as Progressive's price comparison tool and their Name Your Price program.
- Increase your deductible.
- Check for discounts you qualify for.
- Compare auto insurance quotes.
- Maintain a good driving record.
- Participate in a safe driving program.
- Take a defensive driving course.
- Explore payment options.
- Improve your credit score.
| Cheapest companies in Texas | Average annual Texas car insurance cost for good drivers | Learn More CTA text |
|---|---|---|
| USAA* | $1,853 | Compare Quotes |
| Geico | $1,861 | Compare Quotes |
| Germania Mutual | $1,883 | Compare Quotes |
| Nationwide | $1,986 | Compare Quotes |
USAA requires its members to be active, retired or honorably separated officers of the US military. If you're not directly affiliated with the military, you can qualify if you're a spouse, parent (step-parent, or legal guardian) or parent-in-law.
State Farm is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $718 per year, the average State Farm car insurance policy is actually cheaper than coverage from most competitors. In fact, State Farm is one of the cheapest car insurance companies nationally.
Key Takeaways: Insurance for new cars is usually more expensive because they cost more to repair and have higher values than used cars. USAA, Nationwide and Geico offer some of the lowest rates for both new and used vehicles.
In Houston, Texas, the average car insurance costs $2,226 per year or $186 per month, based on a rate analysis by Insure.com. Prachi is an insurance writer with a master's degree in business administration.
| Insurance company | Best for | Bankrate Score |
|---|---|---|
| Amica | Best overall | 4.6 Rating: 4.6 stars out of 5 |
| Geico | Best overall | 4.4 Rating: 4.4 stars out of 5 |
| Progressive | Best for digital policy management | 4.4 Rating: 4.4 stars out of 5 |
| Safeco | Best for added perks | 4.3 Rating: 4.3 stars out of 5 |
Which insurance is best for car?
| S.No. | Best Car Insurance in India |
|---|---|
| 2. | ICICI Lombard Car Insurance |
| 3. | Cholamandalam MS Car Insurance |
| 4. | National Car Insurance |
| 5. | Edelweiss Car Insurance |
Higher-Than-Average Highway Density
The more dense the highways and traffic are in a particular area, the higher the likelihood of crashes and accidents. Auto insurers in Texas view drivers in the state as a bigger risk because of this, and charge higher premiums.
Overall, Progressive has cheaper average car insurance rates than Allstate. The average national cost for full-coverage auto insurance at Progressive is $1,611 per year, while Allstate is $2,088 per year.
State Farm is currently the largest auto insurer in the U.S. according to the National Association of Insurance Commissioners (NAIC), closely followed by Geico.
The insurer has some of the most affordable rates — our research found that Geico's average rates tend to be 26% cheaper than the national average of $2,508 for good drivers. This is in addition to the savings that drivers can get by participating in the company's discount offerings.
