Cheap Car Insurance in Houston (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 4, 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 $61 $732 Houston, TX
Anchor General $105 $1,264 Houston, TX
Infinity $114 $1,364 Houston, TX
Safeco $143 $1,720 Houston, TX
Aspen $181 $2,176 Houston, TX
Progressive $183 $2,200 Houston, TX
Assurance America $184 $2,204 Houston, TX
Commonwealth Insurance $193 $2,313 Houston, TX
Bluefire $224 $2,688 Houston, TX
Root $234 $2,804 Houston, TX
Last Updated Jul 1, 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
Progressive $296 $3,551 Houston, TX
Anchor General $323 $3,880 Houston, TX
Safeco $343 $4,111 Houston, TX
Root $374 $4,483 Houston, TX
Assurance America $398 $4,777 Houston, TX
Bristol West $464 $5,564 Houston, TX
Bluefire $466 $5,597 Houston, TX
Mendota $469 $5,628 Houston, TX
Dairyland $536 $6,437 Houston, TX
Aspen $545 $6,536 Houston, TX
Last Updated Jul 1, 2025

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
18-20 $628 $7,542 Houston, TX
21-24 $451 $5,416 Houston, TX
Last Updated Jul 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 $340 $4,079 Houston, TX
Dairyland $359 $4,310 Houston, TX
Commonwealth Insurance $433 $5,196 Houston, TX
Progressive $449 $5,392 Houston, TX
Gainsco $538 $6,454 Houston, TX
Last Updated Jul 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 $515 $6,185 Houston, TX
Progressive $642 $7,710 Houston, TX
National General $655 $7,859 Houston, TX
Mendota $678 $8,134 Houston, TX
Electric $686 $8,232 Houston, TX
Dairyland $694 $8,332 Houston, TX
The General $840 $10,077 Houston, TX
Bristol West $926 $11,115 Houston, TX
Commonwealth Insurance $1,110 $13,316 Houston, TX
Gainsco $1,644 $19,725 Houston, TX
Last Updated Jul 1, 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 $370 $4,438 Houston, TX
35-44 $338 $4,055 Houston, TX
45-54 $335 $4,019 Houston, TX
Last Updated Jul 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
Aspen $157 $1,880 Houston, TX
Progressive $180 $2,161 Houston, TX
Bluefire $187 $2,243 Houston, TX
Commonwealth Insurance $189 $2,271 Houston, TX
Root $233 $2,801 Houston, TX
Last Updated Jul 2, 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 $269 $3,230 Houston, TX
Root $353 $4,238 Houston, TX
Safeco $389 $4,663 Houston, TX
Bristol West $408 $4,891 Houston, TX
Bluefire $431 $5,169 Houston, TX
Mendota $462 $5,549 Houston, TX
The General $467 $5,599 Houston, TX
Dairyland $471 $5,651 Houston, TX
Electric $525 $6,302 Houston, TX
Gainsco $566 $6,791 Houston, TX
Last Updated Jul 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 $309 $3,711 Houston, TX
65+ $291 $3,497 Houston, TX
Last Updated Jul 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
Safeco $98 $1,177 Houston, TX
ROOT $112 $1,341 Houston, TX
Progressive $125 $1,502 Houston, TX
The General $151 $1,811 Houston, TX
Bristol West $167 $1,998 Houston, TX
Last Updated Jul 2, 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 $183 $2,194 Houston, TX
Root $228 $2,733 Houston, TX
Mendota $275 $3,305 Houston, TX
Assurance America $290 $3,485 Houston, TX
Infinity $319 $3,832 Houston, TX
Electric $324 $3,885 Houston, TX
Aspen $337 $4,046 Houston, TX
The General $342 $4,104 Houston, TX
Gainsco $347 $4,162 Houston, TX
Bluefire $367 $4,407 Houston, TX
Last Updated Jul 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
$324 $3,882 Houston, TX
Last Updated Jul 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
Embark General $67 $806 Houston, TX
Anchor General $178 $2,136 Houston, TX
Safeco $224 $2,686 Houston, TX
Commonwealth Insurance $225 $2,695 Houston, TX
Progressive $229 $2,749 Houston, TX
First Acceptance $241 $2,893 Houston, TX
Aspen $248 $2,972 Houston, TX
Assurance America $266 $3,193 Houston, TX
Bluefire $327 $3,926 Houston, TX
Root $341 $4,093 Houston, TX
Last Updated Jul 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 $378 $4,531 Houston, TX
660-750 $333 $3,993 Houston, TX
<550 $388 $4,651 Houston, TX
750+ $296 $3,550 Houston, TX
Last Updated Jul 1, 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
Trexis <550 $162 $1,941 Houston, TX
Progressive <550 $275 $3,302 Houston, TX
Last Updated Jul 1, 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 $401 $4,817 Houston, TX
At Fault With No Injury $428 $5,134 Houston, TX
Not At Fault $408 $4,900 Houston, TX
Last Updated Jul 1, 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
Embark General $172 $2,064 Houston, TX
Progressive $272 $3,265 Houston, TX
Commonwealth Insurance $305 $3,666 Houston, TX
Root $308 $3,690 Houston, TX
Last Updated Jul 1, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Safeco $205 $2,464 Houston, TX
Progressive $246 $2,948 Houston, TX
The General $289 $3,464 Houston, TX
Commonwealth Insurance $306 $3,670 Houston, TX
Clearcover $346 $4,152 Houston, TX
Last Updated Jul 1, 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 $424 $5,090 Houston, TX
Speeding under 15 $312 $3,739 Houston, TX
Last Updated Jul 1, 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
Embark General $172 $2,064 Houston, TX
Assurance America $191 $2,297 Houston, TX
Commonwealth Insurance $252 $3,027 Houston, TX
Aspen $263 $3,152 Houston, TX
Progressive $269 $3,227 Houston, TX
Safeco $321 $3,850 Houston, TX
Root $337 $4,046 Houston, TX
Bluefire $410 $4,921 Houston, TX
Dairyland $428 $5,134 Houston, TX
Last Updated Jul 1, 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 $339 $4,072 Houston, TX
Last Updated Jul 5, 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
Aspen $219 $2,631 Houston, TX
Commonwealth Insurance $229 $2,749 Houston, TX
Progressive $236 $2,831 Houston, TX
Root $261 $3,134 Houston, TX
The General $279 $3,349 Houston, TX
Dairyland $339 $4,067 Houston, TX
Bristol West $341 $4,096 Houston, TX
Electric $398 $4,780 Houston, TX
Gainsco $400 $4,795 Houston, TX
National General $461 $5,526 Houston, TX
Last Updated Jul 1, 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.

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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 $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.