In 2020, there were more than 97,000 traffic crashes in Harris County. This is Houston, Texas. 466 of these accidents resulted in fatalities. Houston drivers want to avoid the financial consequences of an accident. One way to do this is to buy auto insurance. According to Bankrate’s 2021 study, the average cost of Houston car insurance is $691 for minimum coverage and $2146 for full coverage.
Houston drivers should consider many factors when looking for the best car insuring. These include average premiums, customer service scores and discounts, as well as available coverages. Bankrate has reviewed top-rated carriers in Houston to help you find the best auto insurance.
Houston’s best car insurance company
Bankrate’s editorial team reviewed the top providers to help you choose the best car insurance company for your needs. They used 2021 average rates from Quadrant Information Services, third party ratings, coverage options and customer service reviews.
Geico has a reputation for offering affordable car insurance policies in Houston and across the country. Geico may be able to provide a quote if price is your main concern. Geico doesn’t offer many coverage options and its policies are very basic. The company offers a variety of discounts that can help drivers save even further on their premiums. You can also pay your bills, change your policy, file claims, and call roadside assistance.
USAA is a good option for veterans and active-duty military personnel. USAA is a solely military-owned insurance company that sells auto insurance. If you meet the eligibility criteria, USAA may be willing to offer you auto insurance at a price well below the average premiums in the Houston area. J.D Power consistently gives USAA high marks, but it is not eligible to be ranked officially due to eligibility restrictions.
State Farm may be able to provide a quote for customers looking for a digital experience. State Farm offers a highly rated digital app as well as many online resources. State Farm offers two discount programs for safe drivers, Drive Safe and Save for adult drivers and Steer Clear to those under 25. Additionally, State Farm received an above-industry-average score from J.D. Power for claims services. This shows that State Farm customers are generally satisfied with their claims process.
Allstate was not awarded the highest J.D. Although Allstate did not receive the highest J.D., it could still be a good choice for you. Allstate offers many coverage endorsements that allow you to tailor your policy. These include sound system equipment coverage, and options for classic cars. Allstate also offers discounts to drivers who want to lower their rates. Customers of Allstate may be able save money by purchasing a new car, paying on time and being smart students.
Houston has the lowest car insurance
Houston is a high-cost city for auto insurance. Full coverage costs $2146 per year. The average annual premium for Texas full coverage is $1823, while the national average annual premium for full coverage is $1,674. In Houston, minimum coverage costs $691 annually. It is $524 per annum in Texas, and $565 per annum nationally.
When shopping for auto insurance, cost is often a major concern. Our research has shown that the cheapest and largest auto insurance providers in Houston is:
Geico has the lowest average coverage premium and maximum coverage. A company’s coverage does not necessarily mean it is better, even if it is more expensive than AMTrust Financial. When choosing car insurance, cost is not the only thing you should consider. Consider the company’s customer service ratings and available discounts. Digital tools are also important.
Houston insurance requirements
Houston drivers are legally required by law to have a minimum level of car insurance coverage. This is determined by state legislation. Every Texas driver must have at least 30/60/25 coverage. This includes:
- $30,000 per person in bodily injury liability insurance
- $60,000 per accident in bodily injury liability coverage
- $25,000 property damage liability coverage
You can also opt to have personal injuries protection (PIP), added to your Texas auto policy. However, you may reject this coverage by writing. Texas car insurance companies are required to offer you coverage for uninsured motorists, and underinsured drivers coverage. You can also reject this coverage in writing.
You could pay a lower rate if you purchase minimum coverage insurance. Insurance experts agree that drivers who have higher liability limits, or full coverage, will be better off.
Car accidents can have high-cost consequences. Houston’s minimum coverage requirements may not be sufficient to cover all the costs of an at fault crash. All damages beyond your policy’s limits will be directly out of your pockets.
Dealers and lenders will require that you have full coverage insurance in order to finance or lease your vehicle. Some lenders may require that you have a high deductible.
Houston insurance discount
Many Houston car insurance companies offer discounts that can help drivers cut down on their premiums. You might even qualify for multiple discounts. These are just a few of the Houston discounts available and who might be eligible:
- Bundling policies: Houston residents who combine their auto and home insurance policies from the same company often get a discount on their premiums. This discount is offered by most insurance companies that offer both auto and home insurance.
- Discounts for defensive drivers: You might be eligible to receive a discount on your car insurance if you complete a approved defensive driving course. It is worth contacting your insurance company to inquire about this discount and which organizations offer qualifying driving training courses.
- Students who are good students can get discounts from insurance companies. Every insurance company has different requirements, so make sure you check to see if your student is eligible.
- Car safety feature discounts are another popular discount for Houston car insurance. You may be eligible for a discount if your vehicle features anti-lock brakes and airbags.
Talking with your agent is a great way to find out if you qualify for additional savings. It is also possible to see the discounts offered by most auto insurance companies on their websites.
Questions frequently asked
Which is the best auto insurance company?
Car insurance is very personal. Therefore, the best car insurance company will be different for each driver. It all depends on what coverage you need, how much you can afford, and what you are looking for in an auto insurance company. Rates and eligibility are also affected by your age, gender, zip code, and driving record. It is a smart idea to shop for Houston car insurance and to get samples of quotes from different companies to determine which one can offer the best rate.
What are the factors that can impact my Houston car insurance cost?
Houston residents have many factors that can affect their car insurance rates. Rates can be affected by everything, from the make and model to the type and driving record. Your ZIP code, marital status, and the purpose of your car can all impact how much car insurance will cost you. You might find that getting quotes from multiple companies for the same coverage can help you get the right coverage at a lower cost, since every company has a different rating system.
What happens if I am driving in Houston without insurance?
You could face a ticket or a large fine if you’re an driver who is not insured in Houston. You could face fines and even having your license suspended or impounded. You will be responsible for any damages incurred if you cause an accident with no car insurance. Although insurance can be costly, the financial consequences of driving without it often exceed your premium.
Why is Houston car insurance so expensive?
On average, drivers in Houston are paid more than drivers in Texas or the country. It could be because of the city’s size and the sheer number of cars on the roads. Houston’s roads are very busy. There is also a higher chance of accidents due to more vehicles on the roads. Auto insurance companies may charge higher premiums to compensate for the increased risk.