Cheap Car Insurance in Houston (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in Houston (October 2025)

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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 the 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 to show you how your age, driving record, location within the city and desired coverage can affect your rate.

More: Best car insurance in Texas

Cheapest minimum coverage insurance in Houston

Texas requires drivers to carry these coverages at minimum:

  • $30,000 of bodily injury per person.
  • $60,000 of bodily injury 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
Aspire Advantage $65 $786 Houston, TX
Mercury $86 $1,033 Houston, TX
Geico $92 $1,100 Houston, TX
Safeco $105 $1,266 Houston, TX
Progressive $110 $1,321 Houston, TX
ROOT $126 $1,507 Houston, TX
Anchor General $131 $1,571 Houston, TX
Bristol West $143 $1,721 Houston, TX
Trexis $155 $1,861 Houston, TX
The General $162 $1,939 Houston, TX
Last Updated October 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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More: Cheapest car insurance in Texas

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 coverage and comprehensive insurance, 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
Aspire Advantage $131 $1,567 Houston, TX
Anchor General $141 $1,688 Houston, TX
Infinity $157 $1,887 Houston, TX
Mercury $205 $2,456 Houston, TX
Safeco $251 $3,008 Houston, TX
Progressive $259 $3,104 Houston, TX
Embark General $264 $3,173 Houston, TX
ROOT $270 $3,235 Houston, TX
The General $328 $3,939 Houston, TX
Gainsco $331 $3,977 Houston, TX
Last Updated October 2025

More: Best car insurance companies

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 $681 $8,172 Houston, TX
21-24 $452 $5,428 Houston, TX
$157 $1,887 Houston, TX
$205 $2,456 Houston, TX
$251 $3,008 Houston, TX
$259 $3,104 Houston, TX
$264 $3,173 Houston, TX
$270 $3,235 Houston, TX
$328 $3,939 Houston, TX
$331 $3,977 Houston, TX
Last Updated October 2025

More: Get cheap car insurance the smart way, today

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
ROOT $172 $2,060 Houston, TX
Progressive $198 $2,375 Houston, TX
Geico $208 $2,496 Houston, TX
Trexis $223 $2,675 Houston, TX
The General $267 $3,206 Houston, TX
Progressive $259 $3,104 Houston, TX
Embark General $264 $3,173 Houston, TX
ROOT $270 $3,235 Houston, TX
The General $328 $3,939 Houston, TX
Gainsco $331 $3,977 Houston, TX
Last Updated October 2025

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
ROOT $375 $4,499 Houston, TX
Progressive $475 $5,702 Houston, TX
Trexis $508 $6,092 Houston, TX
The General $526 $6,312 Houston, TX
Embark General $618 $7,413 Houston, TX
Liberty Mutual $694 $8,332 Houston, TX
Gainsco $718 $8,612 Houston, TX
Dairyland $730 $8,762 Houston, TX
Clearcover $731 $8,773 Houston, TX
Bristol West $738 $8,853 Houston, TX
Last Updated October 2025

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 auto insurance. 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
45-54 $255 $3,057 Houston, TX
25-34 $328 $3,935 Houston, TX
35-44 $264 $3,166 Houston, TX
$526 $6,312 Houston, TX
$618 $7,413 Houston, TX
$694 $8,332 Houston, TX
$718 $8,612 Houston, TX
$730 $8,762 Houston, TX
$731 $8,773 Houston, TX
$738 $8,853 Houston, TX
Last Updated October 2025

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
Geico $70 $840 Houston, TX
Safeco $101 $1,208 Houston, TX
Progressive $109 $1,314 Houston, TX
ROOT $120 $1,434 Houston, TX
Bristol West $132 $1,585 Houston, TX
Liberty Mutual $694 $8,332 Houston, TX
Gainsco $718 $8,612 Houston, TX
Dairyland $730 $8,762 Houston, TX
Clearcover $731 $8,773 Houston, TX
Bristol West $738 $8,853 Houston, TX
Last Updated October 2025

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
Progressive $264 $3,169 Houston, TX
Safeco $271 $3,256 Houston, TX
Gainsco $277 $3,319 Houston, TX
ROOT $288 $3,458 Houston, TX
Assurance America $289 $3,464 Houston, TX
The General $291 $3,487 Houston, TX
Clearcover $327 $3,930 Houston, TX
National General $346 $4,157 Houston, TX
Bristol West $349 $4,189 Houston, TX
Bluefire $356 $4,267 Houston, TX
Last Updated October 2025

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
65+ $244 $2,926 Houston, TX
55-64 $237 $2,846 Houston, TX
35-44 $277 $3,319 Houston, TX
$288 $3,458 Houston, TX
$289 $3,464 Houston, TX
$291 $3,487 Houston, TX
$327 $3,930 Houston, TX
$346 $4,157 Houston, TX
$349 $4,189 Houston, TX
$356 $4,267 Houston, TX
Last Updated October 2025

More: Best car insurance for seniors

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
Geico $86 $1,033 Houston, TX
Progressive $88 $1,050 Houston, TX
Safeco $100 $1,205 Houston, TX
The General $107 $1,288 Houston, TX
Bristol West $128 $1,533 Houston, TX
The General $291 $3,487 Houston, TX
Clearcover $327 $3,930 Houston, TX
National General $346 $4,157 Houston, TX
Bristol West $349 $4,189 Houston, TX
Bluefire $356 $4,267 Houston, TX
Last Updated October 2025

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
Progressive $201 $2,409 Houston, TX
The General $215 $2,578 Houston, TX
Gainsco $244 $2,930 Houston, TX
Electric $260 $3,121 Houston, TX
ROOT $282 $3,390 Houston, TX
Bristol West $310 $3,716 Houston, TX
Assurance America $311 $3,731 Houston, TX
Safeco $322 $3,864 Houston, TX
National General $333 $3,998 Houston, TX
Geico $349 $4,188 Houston, TX
Last Updated October 2025
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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
$313 $3,755 Houston, TX
$215 $2,578 Houston, TX
$244 $2,930 Houston, TX
$260 $3,121 Houston, TX
$282 $3,390 Houston, TX
$310 $3,716 Houston, TX
$311 $3,731 Houston, TX
$322 $3,864 Houston, TX
$333 $3,998 Houston, TX
$349 $4,188 Houston, TX
Last Updated October 2025

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
Infinity $91 $1,088 Houston, TX
Aspire Advantage $97 $1,169 Houston, TX
Anchor General $152 $1,820 Houston, TX
Mercury $174 $2,087 Houston, TX
Embark General $204 $2,453 Houston, TX
Safeco $215 $2,580 Houston, TX
Progressive $220 $2,642 Houston, TX
ROOT $232 $2,779 Houston, TX
The General $242 $2,909 Houston, TX
First Acceptance $258 $3,095 Houston, TX
Last Updated October 2025

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 $386 $4,637 Houston, TX
660-750 $359 $4,312 Houston, TX
<550 $388 $4,650 Houston, TX
750+ $298 $3,576 Houston, TX
$204 $2,453 Houston, TX
$215 $2,580 Houston, TX
$220 $2,642 Houston, TX
$232 $2,779 Houston, TX
$242 $2,909 Houston, TX
$258 $3,095 Houston, TX
Last Updated October 2025

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
Infinity <550 $67 $802 Houston, TX
Embark General <550 $67 $806 Houston, TX
Aspire Advantage <550 $99 $1,194 Houston, TX
Commonwealth Insurance <550 $236 $2,837 Houston, TX
Progressive <550 $272 $3,264 Houston, TX
Safeco $215 $2,580 Houston, TX
Progressive $220 $2,642 Houston, TX
ROOT $232 $2,779 Houston, TX
The General $242 $2,909 Houston, TX
First Acceptance $258 $3,095 Houston, TX
Last Updated October 2025

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
Not At Fault $416 $4,990 Houston, TX
At Fault With Injury $373 $4,478 Houston, TX
At Fault With No Injury $425 $5,105 Houston, TX
$236 $2,837 Houston, TX
$272 $3,264 Houston, TX
$215 $2,580 Houston, TX
$220 $2,642 Houston, TX
$232 $2,779 Houston, TX
$242 $2,909 Houston, TX
$258 $3,095 Houston, TX
Last Updated October 2025

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 $97 $1,164 Houston, TX
Anchor General $138 $1,658 Houston, TX
Commonwealth Insurance $280 $3,358 Houston, TX
Progressive $281 $3,373 Houston, TX
Safeco $322 $3,864 Houston, TX
Safeco $215 $2,580 Houston, TX
Progressive $220 $2,642 Houston, TX
ROOT $232 $2,779 Houston, TX
The General $242 $2,909 Houston, TX
First Acceptance $258 $3,095 Houston, TX
Last Updated October 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Houston

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Trexis $178 $2,140 Houston, TX
Commonwealth Insurance $197 $2,366 Houston, TX
Progressive $252 $3,027 Houston, TX
Bluefire $266 $3,189 Houston, TX
ROOT $296 $3,550 Houston, TX
Safeco $215 $2,580 Houston, TX
Progressive $220 $2,642 Houston, TX
ROOT $232 $2,779 Houston, TX
The General $242 $2,909 Houston, TX
First Acceptance $258 $3,095 Houston, TX
Last Updated October 2025

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 $405 $4,854 Houston, TX
Speeding under 15 $357 $4,286 Houston, TX
$252 $3,027 Houston, TX
$266 $3,189 Houston, TX
$296 $3,550 Houston, TX
$215 $2,580 Houston, TX
$220 $2,642 Houston, TX
$232 $2,779 Houston, TX
$242 $2,909 Houston, TX
$258 $3,095 Houston, TX
Last Updated October 2025

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
Aspire Advantage $119 $1,433 Houston, TX
Anchor General $184 $2,206 Houston, TX
Mercury $199 $2,387 Houston, TX
ROOT $267 $3,204 Houston, TX
Progressive $275 $3,301 Houston, TX
Safeco $276 $3,316 Houston, TX
Trexis $279 $3,346 Houston, TX
Geico $279 $3,350 Houston, TX
Gainsco $294 $3,531 Houston, TX
Assurance America $329 $3,947 Houston, TX
Last Updated October 2025

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 $350 $4,205 Houston, TX
Speeding under 15 $184 $2,206 Houston, TX
$199 $2,387 Houston, TX
$267 $3,204 Houston, TX
$275 $3,301 Houston, TX
$276 $3,316 Houston, TX
$279 $3,346 Houston, TX
$279 $3,350 Houston, TX
$294 $3,531 Houston, TX
$329 $3,947 Houston, TX
Last Updated October 2025

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
Safeco $239 $2,870 Houston, TX
ROOT $265 $3,185 Houston, TX
Assurance America $273 $3,279 Houston, TX
The General $274 $3,284 Houston, TX
Gainsco $280 $3,357 Houston, TX
Geico $283 $3,396 Houston, TX
Trexis $285 $3,420 Houston, TX
Progressive $287 $3,443 Houston, TX
Liberty Mutual $302 $3,628 Houston, TX
Clearcover $312 $3,749 Houston, TX
Last Updated October 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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