Cheap Car Insurance in Houston (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Houston (July 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 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 $91 $1,091 Houston, TX
Geico $104 $1,252 Houston, TX
Safeco $108 $1,293 Houston, TX
Mercury $110 $1,322 Houston, TX
Progressive $112 $1,349 Houston, TX
ROOT $130 $1,563 Houston, TX
Bristol West $146 $1,756 Houston, TX
Liberty Mutual $171 $2,058 Houston, TX
Anchor General $172 $2,069 Houston, TX
Electric $185 $2,219 Houston, TX
Last Updated Jul 24, 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
Anchor General $174 $2,082 Houston, TX
First Acceptance $231 $2,777 Houston, TX
Trexis $241 $2,891 Houston, TX
Safeco $243 $2,913 Houston, TX
Mercury $266 $3,187 Houston, TX
Progressive $270 $3,234 Houston, TX
ROOT $283 $3,397 Houston, TX
Embark General $309 $3,711 Houston, TX
Infinity $331 $3,969 Houston, TX
Geico $344 $4,127 Houston, TX
Last Updated Jul 24, 2025

More: Best car insurance companies

Estimate car insurance costs

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

Average monthly quote:
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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 $757 $9,079 Houston, TX
21-24 $472 $5,666 Houston, TX
Last Updated Jul 24, 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 $191 $2,287 Houston, TX
Geico $218 $2,617 Houston, TX
Progressive $246 $2,954 Houston, TX
Embark General $280 $3,359 Houston, TX
Liberty Mutual $316 $3,797 Houston, TX
Last Updated Jul 24, 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 $426 $5,114 Houston, TX
Embark General $568 $6,810 Houston, TX
Progressive $593 $7,117 Houston, TX
Liberty Mutual $763 $9,152 Houston, TX
Dairyland $775 $9,301 Houston, TX
Bristol West $796 $9,547 Houston, TX
The General $801 $9,612 Houston, TX
Electric $864 $10,373 Houston, TX
Gainsco $1,048 $12,574 Houston, TX
Geico $1,096 $13,153 Houston, TX
Last Updated Jul 24, 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
25-34 $339 $4,064 Houston, TX
35-44 $269 $3,225 Houston, TX
45-54 $266 $3,190 Houston, TX
Last Updated Jul 24, 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 $76 $911 Houston, TX
Safeco $105 $1,266 Houston, TX
Progressive $108 $1,291 Houston, TX
ROOT $123 $1,473 Houston, TX
Bristol West $135 $1,625 Houston, TX
Last Updated Jul 24, 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
Geico $258 $3,098 Houston, TX
Progressive $264 $3,170 Houston, TX
Safeco $278 $3,332 Houston, TX
Gainsco $300 $3,595 Houston, TX
ROOT $310 $3,719 Houston, TX
Assurance America $320 $3,843 Houston, TX
The General $348 $4,180 Houston, TX
National General $358 $4,293 Houston, TX
Bristol West $359 $4,311 Houston, TX
Electric $379 $4,544 Houston, TX
Last Updated Jul 24, 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 $245 $2,938 Houston, TX
65+ $251 $3,018 Houston, TX
Last Updated Jul 24, 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
Progressive $89 $1,073 Houston, TX
Geico $91 $1,093 Houston, TX
Bristol West $118 $1,419 Houston, TX
The General $124 $1,483 Houston, TX
ROOT $136 $1,629 Houston, TX
Last Updated Jul 24, 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 $207 $2,484 Houston, TX
The General $220 $2,644 Houston, TX
Gainsco $246 $2,958 Houston, TX
Electric $262 $3,139 Houston, TX
ROOT $291 $3,496 Houston, TX
Assurance America $292 $3,499 Houston, TX
Geico $292 $3,508 Houston, TX
Bristol West $297 $3,567 Houston, TX
National General $314 $3,767 Houston, TX
Dairyland $321 $3,854 Houston, TX
Last Updated Jul 24, 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

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 $91 $1,091 Houston, TX
First Acceptance $160 $1,916 Houston, TX
Anchor General $173 $2,075 Houston, TX
Infinity $181 $2,168 Houston, TX
Safeco $213 $2,551 Houston, TX
Trexis $228 $2,735 Houston, TX
Progressive $231 $2,773 Houston, TX
Embark General $233 $2,798 Houston, TX
Mercury $237 $2,848 Houston, TX
ROOT $245 $2,937 Houston, TX
Last Updated Jul 24, 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 $397 $4,761 Houston, TX
660-750 $369 $4,425 Houston, TX
<550 $399 $4,786 Houston, TX
750+ $306 $3,672 Houston, TX
Last Updated Jul, 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
Progressive <550 $282 $3,387 Houston, TX
Commonwealth Insurance <550 $285 $3,415 Houston, TX
First Acceptance <550 $297 $3,568 Houston, TX
Last Updated Jul, 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 $412 $4,946 Houston, TX
At Fault With No Injury $446 $5,355 Houston, TX
Not At Fault $431 $5,177 Houston, TX
Last Updated Jul 21, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Safeco $277 $3,318 Houston, TX
Commonwealth Insurance $283 $3,399 Houston, TX
Progressive $300 $3,605 Houston, TX
ROOT $317 $3,806 Houston, TX
Aspen $319 $3,833 Houston, TX
Last Updated Jul 21, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $212 $2,539 Houston, TX
Assurance America $250 $2,995 Houston, TX
ROOT $269 $3,222 Houston, TX
National General $316 $3,791 Houston, TX
Clearcover $345 $4,134 Houston, TX
Last Updated Jul 24, 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 $459 $5,502 Houston, TX
Speeding under 15 $322 $3,862 Houston, TX
Last Updated Jul 24, 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
Commonwealth Insurance $213 $2,560 Houston, TX
Assurance America $243 $2,921 Houston, TX
Aspen $273 $3,280 Houston, TX
Progressive $286 $3,431 Houston, TX
Safeco $332 $3,986 Houston, TX
ROOT $333 $3,992 Houston, TX
Bluefire $396 $4,754 Houston, TX
Dairyland $438 $5,260 Houston, TX
Clearcover $460 $5,526 Houston, TX
Electric $497 $5,966 Houston, TX
Last Updated Jul, 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 $392 $4,705 Houston, TX
Last Updated Jul 24, 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
Commonwealth Insurance $171 $2,046 Houston, TX
Aspen $219 $2,631 Houston, TX
The General $279 $3,349 Houston, TX
Progressive $297 $3,561 Houston, TX
ROOT $298 $3,577 Houston, TX
Bristol West $333 $4,001 Houston, TX
Dairyland $339 $4,067 Houston, TX
Gainsco $394 $4,726 Houston, TX
Electric $398 $4,780 Houston, TX
National General $461 $5,526 Houston, TX
Last Updated Jul 21, 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.

MEET 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.

meet-experts-thumbnail
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 $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.