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Author: Daniel Robinson Written by: Daniel Robinson Author Daniel is a writer for the Guide team and has written for a number of automotive news sites and marketing firms in the US, UK and Australia in the areas of car finance and car care. Daniel is the Guide team’s authority on auto insurance, loans, warranty options, auto repair and more.
Insurance Companies Near Me Car Insurance
Edited by: Rashawn Michner, Edited by: Rashawn Michner Managing Editor Rashawn Michner is an editor on the Guide team with over 10 years of experience in the personal finance and insurance industry.
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The minimum cost of car insurance in Houston is about 43% higher than the national average. If you are a driver in Houston, it may be a good idea to compare rates from several different companies when shopping for auto insurance.
To find the best car insurance companies, the Guides team evaluated 43 different providers across several categories, including industry reputation, customer satisfaction and cost. This article will guide you in finding the cheapest rates in Houston based on your driver profile.
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The guide team is committed to providing reliable information to help you make the best decision about your vehicle insurance. Because consumers trust us to provide objective and accurate information, we’ve created a comprehensive rating system to compile our ranking of the best car insurance companies. We’ve collected data from dozens of auto insurance providers to rank them according to a wide range of rating factors. After 800 hours of research, the final result was an overall rating for each provider, with insurers scoring the highest on the list.
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State Farm, Texas Farm Bureau, Geico, USAA and Allstate are our recommended options for car insurance in Houston. Not only do these insurance companies provide coverage at rates lower than the city’s minimum and full coverage, but they also boast impressive customer service records and a wide range of coverage options.
Unless otherwise stated, the cost table below shows average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving record.
Our data shows that the minimum cost of insurance coverage in Houston is $74 per month or an average of $893 per year. That’s about 43% more than the national average of $52 per month or $625 per year. Similarly, full coverage car insurance costs an average of $224 per month or $2,687 per year, which is about 34% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
State Farm offers the cheapest liability insurance at an average rate of $36 per month or $427 per year. Texas Farm Bureau Mutual is the second cheapest option in Houston with average rates of $39 per month or $467 per year.
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Liability coverage is the minimum coverage required by the state of Texas. According to Texas law, all drivers must meet or exceed the following minimum requirements:
Comprehensive car insurance in Houston can be expensive. Comprehensive coverage includes liability as well as comprehensive and collision insurance, which will protect your vehicle from damage in many situations. Texas Farm Bureau is the cheapest option for full coverage with an average rate of $114 per month or $1,365 per year.
Car insurance rates can be affected by many factors, so the most affordable provider for one driver may not be the cheapest option for another. In this section, we’ll break down average Houston car insurance premiums for various criteria that insurers use to set rates, such as driver age, driving history, zip code, and credit score.
Most insurers charge the highest rates for car insurance from teenagers because motorists in this age group lack driving experience and are more likely to engage in dangerous behavior behind the wheel. Our data shows that 16-year-olds pay $330 a month or $3,956 a year for car insurance in Houston.
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As drivers enter their 20s and move into middle age, they will begin to see lower car insurance rates. The chart below shows the average cost of car insurance with minimum coverage for a range of age groups in Houston.
Although car insurance for teenagers is expensive, some insurance companies offer cheaper options than others. Our data shows that RedPoint is the cheapest insurance company with the lowest rates for teen driver insurance at $69 per month or $822 per year. Texas Farm Bureau, State Farm and Geico Houston also offer affordable premiums for teenagers.
In most states, auto insurance companies are allowed to use a driver’s credit score to determine the price of insurance. In Texas, drivers with poor credit scores typically incur higher car insurance costs, while those with better scores often pay less for coverage.
Our rate data shows that Redpoint is the cheapest bad credit insurance option in Houston. The company offers minimum coverage policies to drivers with bad credit at rates of $69 per month or $822 per year. This is 8% lower than the overall state average for minimum coverage for good credit.
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Drivers who have speeding tickets, at-fault accidents, or DUIs on their records should expect their car insurance rates to increase. On average, speeding can increase your rates by 18%, at-fault by 67%, and DUI by 50%.
However, average price increases vary across companies. Our research found that State Farm is an ideal choice for policyholders with a driver’s license violation. The table below shows the average rates by company for drivers with a speeding ticket, accident or DUI on their record.
According to our data, State Farm offers the cheapest rates to drivers with speeding tickets – $36 per month or $427 per year. Texas Farm Bureau Mutual is close behind with an average monthly rate of $39, while Geico, USAA and Allstate round out the top five cheap speeding insurance options in Houston.
If you are found at fault in a car accident, your insurance company will definitely raise your rates. State Farm and Texas Farm Bureau are the cheapest options here, with average rates of $44 per month and $67 per month, respectively. You may find that some car insurance companies charge significantly more than this amount for accident coverage.
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Getting a DUI is a serious violation that can result in a several hundred dollar annual increase in your car insurance rates. The good news is that State Farm is much cheaper than other companies – offering average rates of $64 per month or $771 per year for DUI drivers. Redpoint, USAA, and Texas Farm Bureau are also good options with average rates under $89 per month.
The insurance rates you pay are affected by the fluctuating rates of claims, crimes, traffic accidents and the total number of people in different parts of the city. Below are some Houston zip codes that can be 7.8% cheaper or 10.1% more expensive than the city average.
Although auto coverage in Houston is 43% higher than the national average, there are still ways to find a cost-effective provider. When shopping around, Houston drivers can find competitive rates with State Farm with minimum coverage around $36 per month. With Texas Farm Bureau, drivers can get very affordable rates starting at $129 per month.
Our data shows that minimum coverage for auto insurance in Houston costs $74 per month, or an average of $893 per year. If you want full coverage, you’ll pay an average of $224 a month, or $2,687 a year.
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Full coverage insurance in Houston is about 34% more expensive than the national average, while minimum coverage insurance is 43% more expensive than the national average. We process all claims with your insurance company. So if you are looking for collision repair or have just been in a car accident in Houston and need help, please call Best Collision Center right away at (713) 973-9100 and ask to speak with a member of our team. . The process has begun. In case your car is in bad shape and needs to be taken to a shop, we also offer towing services and Houston towing services.
Car accidents and their subsequent auto collision repairs and insurance complications can be a time-consuming and often frustrating affair. Losing a vehicle for a few days can be tolerable if alternative modes of transportation are available, however the lack of such options in a city like Houston is especially crippling, even if only for a short time.
The lost value of this time period includes the time it takes to repair your car as well as the time it takes to settle your accident insurance claim. We know that your time is valuable, which is why we regularly work with dozens of insurance companies to speed up the processing of claims for our clients with a minimum of problems. With our established experience and relationships
