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Aug 17 2017

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Houston Car Insurance

Houston car insurance rates

Houston ZIP code 77091 is not only the most expensive for car insurance in the Houston metropolitan area, it’s also the priciest in the state.

But even if you live in the most expensive area for car insurance in the state, you can still save money by shopping around. No two insurance companies will charge the same amount of money for the same policy. So if you compare rates and opt for the lowest, you won t over pay. For example, the highest rate from any carrier for ZIP 77091 in’s analysis was $2,934 — more than twice the lowest ($1,241).

Why shopping your policy saves you money

Many factors go into calculating car insurance rates, but a driver’s location is typically used to kick off the process. ZIP codes are judged to have different risk levels based on the number and severity of car insurance claims within the area. Car insurance companies create the base rate used as the starting point for drivers buying coverage, and then add other pricing factors such as the driver’s age, driving record and type of car.

To see how other Houston car insurance rates compare, use our average rates tool below. Enter a ZIP code and it will show the average rate, as well as the highest and lowest, for your location.

See rates by ZIP code analyzed car insurance rates from six car insurance companies for nearly every ZIP code in Texas. Here’s how Houston s highest average rate ($1,816) compares to others:

  • $678 more than the least expensive average rate ($1,138) in Texas, San Angelo ZIP code 76901
  • $405 more than the state average ($1,411)
  • $585 more than the national average rate ($1,231)

Here are the 12 most expensive ZIP codes for car insurance in Houston

Houston car insurance rates

*Methodology for rates by ZIP code: commissioned Quadrant Information Services to run auto insurance rates for a 2014 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers — Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer s rate wasn t available, another major carrier’s rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Cheapest car insurance in Houston

The lowest liability car insurance limits your insurer offers is the cheapest policy you can buy. This will be the state minimum required to drive legally. In Texas, (written as 30/60/25) that means your liability car insurance would pay up to:

  • $30,000 for injuries you cause to others
  • $60,000 per accident
  • $25,000 for damage you cause to others’ cars and property

To give you an idea of what to expect, here is how much the cheapest policy would cost, on average, per year, for Houston ZIP code 77002 for the following drivers:

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for by Quadrant Information Services.

The state average rate for a year of minimum coverage is $784, according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just $34 more.

Best car insurance in Houston

The best car insurance coverage usually isn t the cheapest. You may be sued if you re in an accident and your insurance doesn t cover all of the damages. That means your home or savings could be in jeopardy. To protect your assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In Texas, comprehensive costs $199 and collision costs $358, on average per year, according to the Insurance Information Institute. These optional coverages come with a deductible. That s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 you choose which one you want. The higher the deductible is, the lower your rate will be.

Houston ZIP 77002 car insurance rates for coverage recommendations

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for by Quadrant Information Services.

Driving in Houston

Traffic in Houston: The city and nearby areas came in fourth for the worst traffic in the country in a recent report by USA Today, which noted that drivers spend about 58 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of 180 deaths a year in recent year (2012-2014).

Commuting: The average commute in Houston lasts 27 minutes.

Public transportation: The U.S. Census Bureau says that the majority of riders in Houston who commute to work by public transportation are white (about 16 percent), Hispanic (about 41 percent) and black (about 37 percent). The bureau notes that commuting is the main reason people turn to mass transit.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In Texas, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. Use may be restricted during specified hours.

Smog rules: Texas requires Houston residents with vehicles two to 24 years old to have emissions testing every year as part of the registration process. New Houston residents must have the vehicle tested within 30 days of moving to the city to register it.

Bad intersection: The meeting of Genoa Red Bluff Road and Beltway 8 has consistently been called one of the worst intersections in the Houston area.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.

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