Cheap Car Insurance in Houston (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 2, 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 $91 $1,091 Houston, TX
Geico $94 $1,130 Houston, TX
Safeco $108 $1,298 Houston, TX
Mercury $110 $1,322 Houston, TX
Progressive $113 $1,351 Houston, TX
ROOT $128 $1,533 Houston, TX
Bristol West $145 $1,736 Houston, TX
Trexis $158 $1,896 Houston, TX
The General $164 $1,965 Houston, TX
Liberty Mutual $164 $1,973 Houston, TX
Last Updated Oct. 3, 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
Safeco $264 $3,169 Houston, TX
Mercury $266 $3,187 Houston, TX
Progressive $270 $3,240 Houston, TX
ROOT $277 $3,329 Houston, TX
Embark General $309 $3,711 Houston, TX
Infinity $331 $3,969 Houston, TX
The General $340 $4,075 Houston, TX
Gainsco $344 $4,126 Houston, TX
Last Updated Oct. 1, 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 $747 $8,962 Houston, TX
21-24 $462 $5,539 Houston, TX
$264 $3,169 Houston, TX
$266 $3,187 Houston, TX
$270 $3,240 Houston, TX
$277 $3,329 Houston, TX
$309 $3,711 Houston, TX
$331 $3,969 Houston, TX
$340 $4,075 Houston, TX
$344 $4,126 Houston, TX
Last Updated Oct. 1, 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 $180 $2,165 Houston, TX
Geico $205 $2,462 Houston, TX
Progressive $217 $2,605 Houston, TX
Trexis $228 $2,732 Houston, TX
The General $266 $3,191 Houston, TX
ROOT $277 $3,329 Houston, TX
Embark General $309 $3,711 Houston, TX
Infinity $331 $3,969 Houston, TX
The General $340 $4,075 Houston, TX
Gainsco $344 $4,126 Houston, TX
Last Updated Oct. 1, 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 $405 $4,859 Houston, TX
Trexis $522 $6,266 Houston, TX
The General $541 $6,493 Houston, TX
Progressive $543 $6,513 Houston, TX
Embark General $568 $6,810 Houston, TX
Gainsco $738 $8,854 Houston, TX
Geico $764 $9,167 Houston, TX
Dairyland $767 $9,207 Houston, TX
Bristol West $774 $9,290 Houston, TX
Electric $806 $9,670 Houston, TX
Last Updated Oct. 3, 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 $330 $3,958 Houston, TX
35-44 $268 $3,212 Houston, TX
45-54 $258 $3,098 Houston, TX
$543 $6,513 Houston, TX
$568 $6,810 Houston, TX
$738 $8,854 Houston, TX
$764 $9,167 Houston, TX
$767 $9,207 Houston, TX
$774 $9,290 Houston, TX
$806 $9,670 Houston, TX
Last Updated Oct. 1, 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 $71 $855 Houston, TX
Safeco $98 $1,181 Houston, TX
Progressive $112 $1,341 Houston, TX
ROOT $120 $1,437 Houston, TX
Bristol West $132 $1,587 Houston, TX
Gainsco $738 $8,854 Houston, TX
Geico $764 $9,167 Houston, TX
Dairyland $767 $9,207 Houston, TX
Bristol West $774 $9,290 Houston, TX
Electric $806 $9,670 Houston, TX
Last Updated Oct. 3, 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 $277 $3,330 Houston, TX
Gainsco $279 $3,351 Houston, TX
Assurance America $283 $3,398 Houston, TX
Safeco $285 $3,414 Houston, TX
ROOT $292 $3,508 Houston, TX
The General $296 $3,554 Houston, TX
Trexis $303 $3,634 Houston, TX
Geico $337 $4,047 Houston, TX
National General $349 $4,192 Houston, TX
Bristol West $352 $4,229 Houston, TX
Last Updated Oct. 1, 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 $239 $2,873 Houston, TX
65+ $244 $2,929 Houston, TX
45-54 $283 $3,398 Houston, TX
$285 $3,414 Houston, TX
$292 $3,508 Houston, TX
$296 $3,554 Houston, TX
$303 $3,634 Houston, TX
$337 $4,047 Houston, TX
$349 $4,192 Houston, TX
$352 $4,229 Houston, TX
Last Updated Oct. 1, 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 $84 $1,011 Houston, TX
Geico $92 $1,100 Houston, TX
Safeco $100 $1,205 Houston, TX
The General $115 $1,385 Houston, TX
Bristol West $119 $1,427 Houston, TX
The General $296 $3,554 Houston, TX
Trexis $303 $3,634 Houston, TX
Geico $337 $4,047 Houston, TX
National General $349 $4,192 Houston, TX
Bristol West $352 $4,229 Houston, TX
Last Updated Oct. 1, 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 $193 $2,318 Houston, TX
The General $212 $2,548 Houston, TX
Gainsco $229 $2,753 Houston, TX
Electric $249 $2,985 Houston, TX
ROOT $278 $3,330 Houston, TX
Bristol West $289 $3,467 Houston, TX
Assurance America $298 $3,571 Houston, TX
Geico $303 $3,632 Houston, TX
National General $319 $3,834 Houston, TX
Safeco $322 $3,864 Houston, TX
Last Updated Oct. 1, 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
$322 $3,865 Houston, TX
$212 $2,548 Houston, TX
$229 $2,753 Houston, TX
$249 $2,985 Houston, TX
$278 $3,330 Houston, TX
$289 $3,467 Houston, TX
$298 $3,571 Houston, TX
$303 $3,632 Houston, TX
$319 $3,834 Houston, TX
$322 $3,864 Houston, TX
Last Updated Oct. 1, 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
Aspire Advantage $91 $1,091 Houston, TX
Anchor General $173 $2,075 Houston, TX
Infinity $181 $2,168 Houston, TX
First Acceptance $217 $2,609 Houston, TX
Safeco $226 $2,712 Houston, TX
Progressive $230 $2,756 Houston, TX
Embark General $233 $2,798 Houston, TX
Mercury $237 $2,848 Houston, TX
ROOT $238 $2,861 Houston, TX
The General $251 $3,011 Houston, TX
Last Updated Oct. 1, 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 $391 $4,686 Houston, TX
660-750 $362 $4,340 Houston, TX
<550 $395 $4,744 Houston, TX
750+ $290 $3,481 Houston, TX
$226 $2,712 Houston, TX
$230 $2,756 Houston, TX
$233 $2,798 Houston, TX
$237 $2,848 Houston, TX
$238 $2,861 Houston, TX
$251 $3,011 Houston, TX
Last Updated Oct. 2, 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 $280 $3,361 Houston, TX
Commonwealth Insurance <550 $283 $3,397 Houston, TX
First Acceptance <550 $297 $3,568 Houston, TX
Progressive $230 $2,756 Houston, TX
Embark General $233 $2,798 Houston, TX
Mercury $237 $2,848 Houston, TX
ROOT $238 $2,861 Houston, TX
The General $251 $3,011 Houston, TX
Last Updated Oct. 2, 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 $389 $4,671 Houston, TX
At Fault With No Injury $434 $5,204 Houston, TX
Not At Fault $419 $5,025 Houston, TX
$283 $3,397 Houston, TX
$297 $3,568 Houston, TX
$230 $2,756 Houston, TX
$233 $2,798 Houston, TX
$237 $2,848 Houston, TX
$238 $2,861 Houston, TX
$251 $3,011 Houston, TX
Last Updated Oct. 2, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Commonwealth Insurance $288 $3,453 Houston, TX
Progressive $289 $3,465 Houston, TX
Safeco $320 $3,840 Houston, TX
ROOT $335 $4,018 Houston, TX
Assurance America $371 $4,451 Houston, TX
Progressive $230 $2,756 Houston, TX
Embark General $233 $2,798 Houston, TX
Mercury $237 $2,848 Houston, TX
ROOT $238 $2,861 Houston, TX
The General $251 $3,011 Houston, TX
Last Updated Oct. 2, 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 $201 $2,415 Houston, TX
ROOT $238 $2,853 Houston, TX
Assurance America $250 $2,995 Houston, TX
National General $316 $3,791 Houston, TX
Clearcover $345 $4,134 Houston, TX
Progressive $230 $2,756 Houston, TX
Embark General $233 $2,798 Houston, TX
Mercury $237 $2,848 Houston, TX
ROOT $238 $2,861 Houston, TX
The General $251 $3,011 Houston, TX
Last Updated Oct. 2, 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 $411 $4,928 Houston, TX
Speeding under 15 $371 $4,450 Houston, TX
$250 $2,995 Houston, TX
$316 $3,791 Houston, TX
$345 $4,134 Houston, TX
$230 $2,756 Houston, TX
$233 $2,798 Houston, TX
$237 $2,848 Houston, TX
$238 $2,861 Houston, TX
$251 $3,011 Houston, TX
Last Updated Sept. 29, 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
Trexis $265 $3,176 Houston, TX
ROOT $268 $3,212 Houston, TX
Safeco $282 $3,379 Houston, TX
Progressive $285 $3,422 Houston, TX
Geico $287 $3,440 Houston, TX
Gainsco $301 $3,618 Houston, TX
Assurance America $328 $3,935 Houston, TX
Electric $373 $4,478 Houston, TX
Clearcover $379 $4,542 Houston, TX
Bluefire $382 $4,579 Houston, TX
Last Updated Sept. 29, 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 $4,202 Houston, TX
Speeding under 15 $268 $3,212 Houston, TX
$282 $3,379 Houston, TX
$285 $3,422 Houston, TX
$287 $3,440 Houston, TX
$301 $3,618 Houston, TX
$328 $3,935 Houston, TX
$373 $4,478 Houston, TX
$379 $4,542 Houston, TX
$382 $4,579 Houston, TX
Last Updated Sept. 29, 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
Trexis $262 $3,143 Houston, TX
Gainsco $264 $3,166 Houston, TX
ROOT $270 $3,245 Houston, TX
Assurance America $273 $3,279 Houston, TX
The General $278 $3,330 Houston, TX
Progressive $284 $3,413 Houston, TX
Geico $291 $3,494 Houston, TX
Electric $298 $3,575 Houston, TX
Bristol West $345 $4,144 Houston, TX
Liberty Mutual $351 $4,210 Houston, TX
Last Updated Sept. 29, 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.

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 $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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