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.

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.

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.

More: Best car insurance companies

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

These insurers offer the lowest prices to Houston drivers with spotless records, according to Jerry's data.

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.

These insurance companies provide the cheapest quotes to Houston drivers with scores below 550, based on Jerry's data.

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.

Cheapest policies for drivers with at-fault accidents with no injury in Houston

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

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.

These insurers provide the most affordable insurance policies to Houston drivers with speeding tickets on their records, according to Jerry's quote data.

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.

These insurers offer the cheapest insurance quotes to Houston drivers with DUIs, per Jerry's customer quote data.

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 goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

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.

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