Driving in Houston means navigating busy highways, urban streets, and frequent construction zones. Unpredictable weather, which includes the occasional hurricane, adds to the challenge. With so much happening on the road, being prepared with right car insurance policy can help protect you and your finances in any situation.
We’ve gathered some of the cheapest auto insurance quotes from real Jerry customers in Houston show you how your age, driving record, location within the city and desired coverage can affect your rate.
Cheapest minimum coverage insurance in Houston
Texas requires drivers to carry these coverages at minimum:
- $30,000 of bodily injury per person and $60,000 per accident.
- $25,000 for property damage.
These are the average costs that insurers quote to Houston drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Safeco | $98 | $1,174 | Houston, TX |
| Nationwide | $99 | $1,184 | Houston, TX |
| Ready Insurance | $101 | $1,218 | Houston, TX |
| Travelers | $103 | $1,236 | Houston, TX |
| Bluefire | $106 | $1,269 | Houston, TX |
| Allstate | $107 | $1,289 | Houston, TX |
| Mercury | $116 | $1,386 | Houston, TX |
| State Auto | $144 | $1,731 | Houston, TX |
| Kemper | $156 | $1,872 | Houston, TX |
| Clearcover | $157 | $1,879 | Houston, TX |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Houston
Dry, sunny, hot weather tends to be the norm for drivers in Houston, but the minimum coverage may not be enough if your car floods in a hurricane or heavy rain, and it doesn’t cover theft either. Full coverage, which combines collision and comprehensive insurances, provides protection in these situations.
This table shows the average full coverage insurance costs for Houston drivers from cheapest to most expensive, according to Jerry’s aggregate quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Travelers | $212 | $2,547 | Houston, TX |
| Ready Insurance | $229 | $2,749 | Houston, TX |
| Safeco | $235 | $2,818 | Houston, TX |
| Nationwide | $236 | $2,835 | Houston, TX |
| Clearcover | $269 | $3,226 | Houston, TX |
| Mercury | $271 | $3,255 | Houston, TX |
| Allstate | $285 | $3,420 | Houston, TX |
| Metlife | $300 | $3,596 | Houston, TX |
| Progressive | $301 | $3,607 | Houston, TX |
| Assurance America | $325 | $3,901 | Houston, TX |
Cheapest car insurance for young drivers in Houston
Insurers often view younger drivers as inexperienced, which makes them riskier to insure and increases their policy costs. Here’s what young drivers in Houston can expect to pay, based on quote data from real Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 18-20 | $654 | $7,850 | Houston, TX |
| 21-24 | $424 | $5,090 | Houston, TX |
Cheapest minimum coverage for 20-year-olds
Based on Jerry’s data, these insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in Houston.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspen | $286 | $3,436 | Houston, TX |
| Dairyland | $374 | $4,492 | Houston, TX |
| Electric | $453 | $5,438 | Houston, TX |
| The General | $465 | $5,581 | Houston, TX |
| Progressive | $483 | $5,790 | Houston, TX |
Cheapest full coverage for 20-year-olds
These insurers offer the cheapest full coverage car insurance policies for 20-year-olds, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Dairyland | $636 | $7,637 | Houston, TX |
| Electric | $687 | $8,245 | Houston, TX |
| Progressive | $763 | $9,158 | Houston, TX |
| Aspen | $955 | $11,461 | Houston, TX |
| Bristol West | $1,240 | $14,882 | Houston, TX |
| Gainsco | $1,335 | $16,024 | Houston, TX |
| Commonwealth Insurance | $1,363 | $16,359 | Houston, TX |
| Infinity | $1,374 | $16,493 | Houston, TX |
Cheapest car insurance costs for mature drivers in Houston (25-54 years old)
As you reach your late 20s and 30s, car insurance will likely get cheaper. This is a good time to revisit your policy and shop for a lower rate. Here are the rates more mature drivers can expect to pay in Houston, based on Jerry’s quote data.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 25-34 | $294 | $3,523 | Houston, TX |
| 35-44 | $259 | $3,106 | Houston, TX |
| 45-54 | $256 | $3,071 | Houston, TX |
Cheapest minimum coverage for 36-year-olds
These insurers offer the cheapest quotes for minimum coverage car insurance to 36-year-olds in Houston, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Ready Insurance | $80 | $965 | Houston, TX |
| Bluefire | $92 | $1,107 | Houston, TX |
| Safeco | $93 | $1,111 | Houston, TX |
| Mercury | $101 | $1,209 | Houston, TX |
| Allstate | $105 | $1,258 | Houston, TX |
Cheapest full coverage 36-year-olds
These insurers provide the cheapest full coverage quotes to 36-year-olds in Houston, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Travelers | $170 | $2,036 | Houston, TX |
| Ready Insurance | $178 | $2,139 | Houston, TX |
| Nationwide | $194 | $2,331 | Houston, TX |
| Safeco | $234 | $2,812 | Houston, TX |
| Mercury | $243 | $2,912 | Houston, TX |
| Allstate | $247 | $2,962 | Houston, TX |
| Progressive | $267 | $3,206 | Houston, TX |
| Plymouth Rock | $296 | $3,546 | Houston, TX |
| Electric | $298 | $3,577 | Houston, TX |
| Kemper | $309 | $3,708 | Houston, TX |
Cheapest car insurance for older drivers (55+ years old)
Older drivers continue to see their insurance costs lower in their 50s but after 60, rates may start to rise. Here are the average rates for older Houston drivers, based on data from Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 55-64 | $242 | $2,904 | Houston, TX |
| 65+ | $245 | $2,935 | Houston, TX |
Cheapest minimum coverage for 65-year-olds
These insurers provide the lowest price quotes for 65-year-olds in Houston, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Ready Insurance | $53 | $640 | Houston, TX |
| Safeco | $100 | $1,202 | Houston, TX |
| Mercury | $110 | $1,315 | Houston, TX |
| Progressive | $117 | $1,405 | Houston, TX |
| Electric | $118 | $1,414 | Houston, TX |
Cheapest full coverage for 65-year-olds
Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Metlife | $128 | $1,539 | Houston, TX |
| Travelers | $133 | $1,601 | Houston, TX |
| Allstate | $156 | $1,872 | Houston, TX |
| Nationwide | $160 | $1,915 | Houston, TX |
| State Auto | $169 | $2,030 | Houston, TX |
| Mercury | $175 | $2,100 | Houston, TX |
| Safeco | $199 | $2,391 | Houston, TX |
| Progressive | $243 | $2,911 | Houston, TX |
| Electric | $330 | $3,960 | Houston, TX |
| Dairyland | $405 | $4,860 | Houston, TX |
Cheapest car insurance for drivers with clean records in Houston
Having no claims or violations on your driving record goes a long way in getting a low rate. Here’s what drivers with clean records can expect to pay on average, according to Jerry’s quote data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|
| $260 | $3,116 | Houston, TX |
These insurers offer the lowest prices to Houston drivers with spotless records, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $101 | $1,213 | Houston, TX |
| Ready Insurance | $127 | $1,530 | Houston, TX |
| Bluefire | $132 | $1,584 | Houston, TX |
| Safeco | $172 | $2,062 | Houston, TX |
| Mercury | $189 | $2,269 | Houston, TX |
| Travelers | $195 | $2,341 | Houston, TX |
| Assurance America | $215 | $2,577 | Houston, TX |
| Kemper | $216 | $2,586 | Houston, TX |
| Progressive | $218 | $2,622 | Houston, TX |
| Nationwide | $228 | $2,738 | Houston, TX |
Cheapest car insurance rates for drivers with low credit scores in Houston
Drivers with low credit scores may pay higher rates than those with good credit. Here’s what Houston drivers can expect to pay for car insurance, based on their credit scores, according to Jerry’s quote data.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 550-659 | $345 | $4,144 | Houston, TX |
| 660-750 | $315 | $3,778 | Houston, TX |
| <550 | $355 | $4,260 | Houston, TX |
| 750+ | $253 | $3,036 | Houston, TX |
These insurance companies provide the cheapest quotes to Houston drivers with scores below 550, based on Jerry’s data.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|---|
| Ready Insurance | <550 | $104 | $1,252 | Houston, TX |
| Safeco | <550 | $180 | $2,157 | Houston, TX |
| Mercury | <550 | $203 | $2,433 | Houston, TX |
| Nationwide | <550 | $208 | $2,499 | Houston, TX |
| Travelers | <550 | $217 | $2,602 | Houston, TX |
Cheapest car insurance for drivers with at-fault accidents in Houston
Having an accident on your record usually causes your policy costs to rise. Here’s what a driver with an at-fault accident can expect to pay in Houston, based on Jerry’s quote data.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| At Fault With Injury | $305 | $3,663 | Houston, TX |
| At Fault With No Injury | $331 | $3,966 | Houston, TX |
| Not At Fault | $303 | $3,633 | Houston, TX |
| $262 | $3,145 | Houston, TX |
Cheapest policies for drivers with at-fault accidents with no injury in Houston
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $101 | $1,206 | Houston, TX |
| Ready Insurance | $154 | $1,846 | Houston, TX |
| Travelers | $227 | $2,720 | Houston, TX |
| Safeco | $241 | $2,887 | Houston, TX |
| Mercury | $251 | $3,012 | Houston, TX |
Cheapest car insurance for drivers with at-fault accidents with injury in Houston
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Safeco | $185 | $2,224 | Houston, TX |
| Clearcover | $191 | $2,296 | Houston, TX |
| State Auto | $196 | $2,356 | Houston, TX |
| Nationwide | $210 | $2,524 | Houston, TX |
| National General | $245 | $2,943 | Houston, TX |
Cheapest car insurance for drivers with speeding tickets in Houston
If you receive a ticket for speeding, your car insurance costs will likely increase. The higher your speed, the more expensive your policy. Here’s what drivers with speeding tickets pay in Houston on average, according to customer data collected by Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Speeding over 15 | $365 | $4,382 | Houston, TX |
| Speeding under 15 | $280 | $3,360 | Houston, TX |
These insurers provide the most affordable insurance policies to Houston drivers with speeding tickets on their records, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Ready Insurance | $148 | $1,773 | Houston, TX |
| Bluefire | $173 | $2,079 | Houston, TX |
| Mercury | $211 | $2,527 | Houston, TX |
| Nationwide | $218 | $2,621 | Houston, TX |
| Travelers | $225 | $2,703 | Houston, TX |
| Clearcover | $226 | $2,715 | Houston, TX |
| Safeco | $253 | $3,032 | Houston, TX |
| Assurance America | $258 | $3,094 | Houston, TX |
| Kemper | $259 | $3,111 | Houston, TX |
| Progressive | $275 | $3,297 | Houston, TX |
Cheapest car insurance for drivers with DUIs in Houston
A DUI is often cause for your insurance rates to rise. Here’s what drivers in Houston who have DUIs on their records can expect to pay, according Jerry’s quote data.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| DUI | $304 | $3,648 | Houston, TX |
| $283 | $3,394 | Houston, TX |
These insurers offer the cheapest insurance quotes to Houston drivers with DUIs, per Jerry’s customer quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Ready Insurance | $86 | $1,034 | Houston, TX |
| Mercury | $150 | $1,797 | Houston, TX |
| Travelers | $155 | $1,858 | Houston, TX |
| Safeco | $179 | $2,145 | Houston, TX |
| Nationwide | $197 | $2,359 | Houston, TX |
| Assurance America | $199 | $2,391 | Houston, TX |
| Metlife | $220 | $2,644 | Houston, TX |
| Kemper | $232 | $2,786 | Houston, TX |
| Progressive | $234 | $2,803 | Houston, TX |
| The General | $257 | $3,084 | Houston, TX |
Methodology
Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.
