Cheap Full Coverage Car Insurance Texas
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Author: Daniel Robinson Author: Daniel Robinson Writer Daniel is a staff writer for Guides magazine and has written for several automotive news sites and marketing organizations in the US, UK and Australia specializing in the topics of car finance and car care. Danielle is the authority on the team of guides on auto insurance, loans, warranty options, auto services and more.
Cheap Full Coverage Car Insurance Texas
Editor: Rashan Michner Editor: Rashan Michner Executive Editor Rashan Michner is an editor on the Guides team with over 10 years of experience in the personal finance and insurance industry.
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Car insurance with minimum coverage in Houston is about 43% more expensive than the national average. If you’re a driver in Houston, it’s a good idea to compare rates from different companies when shopping for auto insurance.
To find the best auto insurance companies, we at TheGuides team evaluated 43 different providers across a variety of categories, including industry reputation, customer satisfaction and value. This article will help you find affordable fares to Houston based on your driving profile.
Best Texas Car Insurance. Cheap car insurance in Texas. Cheap car insurance in Dallas. Cheap car insurance in San Antonio. Cheap car insurance in Austin, TX.
The Guides team is committed to providing reliable information to help you make the best decision about your car insurance. Because consumers depend on us to provide objective and accurate information, we’ve created a comprehensive rating system to rank the best car insurance companies. We collected data from dozens of auto insurance providers to rate companies on a variety of factors. After 800 hours of research, the final result was an overall ranking for each provider, with the insurers with the highest scores at the top of the list.
Cheap Car Insurance Quotes In Texas Starting At $38
State Farm, Texas Farm Bureau, Geico, USAA and Allstate are our recommended auto insurance options in Houston. These insurers offer coverage at minimum and full coverage rates below the city average, but they also have impressive customer service records and a wide range of coverage options.
Unless otherwise noted, the cost tables below show average rates for the driving profile of a 35-year-old married driver with good credit and a good driving record.
Our data shows that minimum insurance in Houston costs an average of $74 per month or $893 per year. That’s about 43 percent more than the national average of $52 a month, or $625 a year. Similarly, comprehensive coverage car insurance costs $224 per month or $2,687 per year, about 34% more than the national average of $167 per month or $2,008 per year for comprehensive coverage.
State Farm offers the cheapest liability insurance with rates averaging $36 per month or $427 per year. Texas Farm Bureau Mutual is the second cheapest option in Houston with average rates of $39 per month or $467 per year.
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Liability coverage is the minimum coverage required by the state of Texas. According to Texas law, all drivers must meet or exceed the following minimum requirements:
Comprehensive coverage car insurance in Houston can be expensive. Comprehensive coverage includes liability insurance and comprehensive and collision coverage that protects you against damage to your vehicle in a variety of situations. Texas Farm Bureau is the cheapest comprehensive coverage option with average rates of $114 per month or $1,365 per year.
Car insurance rates can depend on many factors, so the cheapest provider for one driver may not be the cheapest option for another. In this section, we’ll look at average Houston auto insurance premiums based on various criteria insurers use to set rates, such as driver age, driving history, zip code, and credit score.
Most insurers charge higher car insurance rates for teenagers because drivers in this age group have less driving experience and are more prone to dangerous driving behavior. Our data shows that 16-year-olds pay $330 per month or $3,956 per year for car insurance in Houston.
Texas Car Insurance
As drivers hit their 20s and reach middle age, they begin to see lower car insurance rates. The chart below shows average car insurance costs for age groups in Houston with minimum coverage.
Although car insurance for teenagers can be expensive, some insurance companies offer cheaper options than others. Our data shows that Redpoint is the cheapest car insurance company for teenage drivers with minimum coverage rates of $69 per month or $822 per year. Texas Farm Bureau, State Farm and Geico also offer affordable premiums for Houston teens.
In most states, auto insurance companies are allowed to use a driver’s credit score to determine the cost of premiums. In Texas, drivers with poor credit usually incur higher car insurance costs, while those with better scores pay less for coverage.
Our rate data shows that Redpoint is the cheapest bad credit auto insurance option in Houston. The company offers a minimum coverage policy for drivers with bad credit for $69 a month or $822 a year. This is 8% below the overall average minimum coverage for good credit.
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Drivers with speeding tickets, accidents, or accidents on their record should expect their auto insurance rates to increase. On average, speeding can increase the rate of accidents by 67%, at-fault accidents by 50%.
However, the average price increase varies from company to company. Our research has shown that State Farm is an ideal choice for policyholders with driving convictions. The table below shows the company’s average rates for drivers with speeding, accident or serious penalties.
According to our data, State Farm offers the cheapest rates for speeding drivers at $36 per month or $427 per year. Texas Farm Bureau Mutual follows with an average monthly rate of $39, while Geico, USAA and Allstate round out the top five options for cheap speeding auto insurance in Houston.
If you are found at fault in a car accident, your insurance company will definitely increase your rates. State Farm and Texas Farm Bureau are the cheapest options here, with average rates around $44 per month and $67 per month, respectively. You may find that some car insurance companies charge more than this amount for coverage after an accident.
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Getting a DUI is a serious offense that can increase your auto insurance rates by hundreds of dollars each year. The good news is that State Farm is very cheap compared to other companies – they offer average rates of $64 per month or $771 per year for drivers with high impact. Redpoint, USAA, and Texas Farm Bureau are also good choices, with average rates below $89 per month.
The insurance rates you pay depend on fluctuations in insurance claims, crime, traffic accidents and population in different areas of the city. Below you will find some zip codes in Houston that could be 7.8% cheaper than the city average or 10.1% more expensive.
​Although car insurance in Houston is 43% more expensive than the national average, there are still options to find a cost-effective provider. By shopping around, Houston drivers can find competitive rates from State Farm with coverage premiums starting at $36 per month. With Texas Farm Bureau, drivers can get very affordable rates as low as $129 per month.
Our data shows that a minimum coverage car insurance policy in Houston costs an average of $74 per month or $893 per year. If you want full coverage, you’ll pay an average of $224 per month, or $2,687 per year.
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Full coverage car insurance in Houston is about 34% more expensive than the national average, while minimum coverage is 43% more expensive than the national average. The cheapest auto insurance companies in Texas are Texas Farm Bureau, State Farm and Geico. The difference between the cheapest and most expensive auto insurance in Texas is $2,265 per year, so it pays to compare prices.
Texas auto insurance isn’t always cheap. The Lone Star State is actually the 14th most expensive state in our national study for auto insurance because Texas has three of the largest cities in the country – Houston, San Antonio and Dallas. About 85 percent of the state’s population lives in densely populated cities, which increases the cost of insurance for everyone. Because urban areas have more traffic, accidents and claims, it costs insurance companies more money.
Another reason finding cheap auto insurance in Texas can be difficult is that state law requires higher than average coverage. More coverage costs more, so these requirements increase the cost of insurance across the state. For example, the average difference between the highest and lowest quotes for the same comprehensive coverage policy in Texas is $8,850 per year, so drivers who shop around can save a lot.
To help Texans find the most affordable coverage, we analyzed quotes from all major insurance companies using various driver profiles and zip codes in the state. You can check
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