Cheap Car Insurance in Houston

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Houston

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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.

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 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
Anchor General $105 $1,264 Houston, TX
Safeco $149 $1,786 Houston, TX
Aspen $187 $2,249 Houston, TX
Progressive $197 $2,365 Houston, TX
Commonwealth Insurance $212 $2,548 Houston, TX
Assurance America $224 $2,682 Houston, TX
Bluefire $229 $2,749 Houston, TX
Root $250 $2,998 Houston, TX
Dairyland $260 $3,118 Houston, TX
Bristol West $264 $3,168 Houston, TX
Last Updated May 6, 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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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
Progressive $313 $3,752 Houston, TX
Anchor General $323 $3,880 Houston, TX
Safeco $337 $4,038 Houston, TX
Root $393 $4,721 Houston, TX
Assurance America $476 $5,714 Houston, TX
Mendota $478 $5,740 Houston, TX
Bristol West $511 $6,129 Houston, TX
Dairyland $540 $6,483 Houston, TX
Bluefire $541 $6,487 Houston, TX
Electric $569 $6,829 Houston, TX
Last Updated May 6, 2025

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 $7,845 Houston, TX
21-24 $486 $5,834 Houston, TX
Last Updated May 6, 2025

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
Commonwealth Insurance $318 $3,820 Houston, TX
Dairyland $355 $4,264 Houston, TX
Root $374 $4,493 Houston, TX
Progressive $481 $5,772 Houston, TX
Bristol West $613 $7,361 Houston, TX
Last Updated May 6, 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 $539 $6,472 Houston, TX
Dairyland $588 $7,061 Houston, TX
Mendota $639 $7,668 Houston, TX
Electric $686 $8,232 Houston, TX
Progressive $707 $8,483 Houston, TX
National General $810 $9,725 Houston, TX
The General $840 $10,077 Houston, TX
Bristol West $909 $10,908 Houston, TX
Commonwealth Insurance $971 $11,647 Houston, TX
Gainsco $1,644 $19,725 Houston, TX
Last Updated May 6, 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 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 $412 $4,943 Houston, TX
35-44 $370 $4,438 Houston, TX
45-54 $370 $4,440 Houston, TX
Last Updated May 6, 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
Aspen $138 $1,652 Houston, TX
Root $156 $1,869 Houston, TX
Commonwealth Insurance $189 $2,266 Houston, TX
Progressive $200 $2,396 Houston, TX
Bristol West $254 $3,046 Houston, TX
Last Updated May 6, 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 $3,168 Houston, TX
Root $324 $3,889 Houston, TX
Safeco $345 $4,142 Houston, TX
Bluefire $397 $4,759 Houston, TX
Dairyland $436 $5,233 Houston, TX
Bristol West $445 $5,343 Houston, TX
The General $488 $5,861 Houston, TX
Mendota $510 $6,118 Houston, TX
Aspen $540 $6,476 Houston, TX
Electric $563 $6,754 Houston, TX
Last Updated May 6, 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
55-64 $339 $4,062 Houston, TX
65+ $323 $3,880 Houston, TX
Last Updated May 6, 2025

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
Progressive $146 $1,749 Houston, TX
Electric $152 $1,827 Houston, TX
The General $153 $1,832 Houston, TX
Bristol West $174 $2,091 Houston, TX
Assurance America $188 $2,257 Houston, TX
Last Updated May 6, 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
Mendota $192 $2,299 Houston, TX
Progressive $225 $2,704 Houston, TX
Assurance America $290 $3,485 Houston, TX
Infinity $319 $3,832 Houston, TX
The General $323 $3,875 Houston, TX
Electric $324 $3,885 Houston, TX
Aspen $337 $4,046 Houston, TX
National General $378 $4,540 Houston, TX
Bristol West $435 $5,222 Houston, TX
Safeco $482 $5,789 Houston, TX
Last Updated May 6, 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
$348 $4,181 Houston, TX
Last Updated May 6, 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
Anchor General $178 $2,136 Houston, TX
Safeco $223 $2,680 Houston, TX
Progressive $247 $2,959 Houston, TX
Commonwealth Insurance $250 $2,996 Houston, TX
Aspen $268 $3,219 Houston, TX
Assurance America $297 $3,566 Houston, TX
Root $361 $4,327 Houston, TX
Bristol West $371 $4,446 Houston, TX
Dairyland $373 $4,473 Houston, TX
Mendota $399 $4,792 Houston, TX
Last Updated May 6, 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 $416 $4,987 Houston, TX
660-750 $372 $4,460 Houston, TX
<550 $401 $4,811 Houston, TX
750+ $332 $3,984 Houston, TX
Last Updated May 6, 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
Aspire Advantage <550 $106 $1,271 Houston, TX
Trexis <550 $162 $1,941 Houston, TX
Progressive <550 $287 $3,442 Houston, TX
Aspen <550 $302 $3,629 Houston, TX
Commonwealth Insurance <550 $305 $3,665 Houston, TX
Last Updated May 6, 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
At Fault With Injury $514 $6,164 Houston, TX
At Fault With No Injury $480 $5,756 Houston, TX
Not At Fault $438 $5,258 Houston, TX
Last Updated May 6, 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 $83 $993 Houston, TX
Progressive $298 $3,571 Houston, TX
Safeco $338 $4,056 Houston, TX
Root $345 $4,138 Houston, TX
Commonwealth Insurance $366 $4,389 Houston, TX
Last Updated May 6, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Root $307 $3,686 Houston, TX
Commonwealth Insurance $342 $4,101 Houston, TX
The General $343 $4,115 Houston, TX
Progressive $344 $4,122 Houston, TX
Clearcover $364 $4,364 Houston, TX
Last Updated May 5, 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 $471 $5,653 Houston, TX
Speeding under 15 $310 $3,714 Houston, TX
Last Updated May 6, 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 $83 $993 Houston, TX
Assurance America $198 $2,379 Houston, TX
Commonwealth Insurance $247 $2,959 Houston, TX
Progressive $263 $3,162 Houston, TX
Aspen $340 $4,078 Houston, TX
Safeco $350 $4,200 Houston, TX
Root $402 $4,826 Houston, TX
Dairyland $483 $5,802 Houston, TX
Electric $488 $5,857 Houston, TX
Gainsco $495 $5,943 Houston, TX
Last Updated May 6, 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 $415 $4,978 Houston, TX
$396 $4,756 Houston, TX
Last Updated May 6, 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
Root $186 $2,231 Houston, TX
Progressive $189 $2,273 Houston, TX
The General $257 $3,084 Houston, TX
Commonwealth Insurance $288 $3,452 Houston, TX
Bristol West $389 $4,667 Houston, TX
Dairyland $400 $4,802 Houston, TX
Electric $406 $4,877 Houston, TX
Gainsco $413 $4,960 Houston, TX
National General $527 $6,318 Houston, TX
Last Updated May 6, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 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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