As inflation continues to rise, saving money in any aspect can be a priority for many. Finding affordable rates for auto insurance is just one way for consumers to control their budget. To give you an idea of what you might pay, the average cost of car insurance in Houston is $2,106 per year for full coverage and $652 per year for minimum coverage, or about $175 and $54 $ per month, respectively.
The insurance companies in Houston with the cheapest rates are State Farm, Geico, Esurance, Mercury and USAA, according to Bankrate research. Your rate may vary, as Houston auto insurance rates are based on several factors, including personal characteristics, such as your age, gender, driving history, and claims history.
Best Cheap Auto Insurance Companies in Houston
The top three auto insurance companies in Houston with the cheapest rates are State Farm, Geico and Esurance, according to data provided by Quadrant Information Services. In addition to average annual premiums, we’ve compared and analyzed dozens of company discounts, coverage options, policy features, affordability, and third-party rankings for customer satisfaction and financial strength.
These factors also contribute to the Bankrate Score, which is our proprietary five-point scoring system. The Bankrate Score, along with the average annual car insurance price and customer satisfaction scores, can help car insurance shoppers make an informed decision on the best, cheapest car insurance in Houston, potentially reducing the time it takes to compare quotes to find the most affordable rates for the coverage you need.
Not only is State Farm one of the cheapest car insurance companies in Houston on average for full coverage on our list, but it also has a near-perfect bank rate score of 4.7. In Texas, the company ranks second in overall customer satisfaction in the 2022 JD Power US Auto Insurance Study. The carrier can be a great option for teen drivers because it offers teen driving discounts with up to 25% savings and additional savings of up to 15% with its Steer Clear program. However, State Farm does not offer gap insurance, which could be an inconvenience for drivers of new vehicles.
Learn more: State Farm Insurance Review
Geico is tied to State Farm with a bank rate score of 4.7 and also offers some of the cheapest rates for minimum coverage and full coverage. The carrier also has a long list of available discounts, which can help drivers keep rates affordable even if they need more extensive coverage. Geico falls short, however, with a below-average ranking in Texas for overall customer satisfaction, according to the JD Power survey.
Learn more: Geico Insurance Review
Esurance, an Allstate company, has average rates for full and minimum coverage that are consistently lower than the city of Houston average and the state average for auto insurance in Texas. The carrier only offers auto, home, motorcycle, and renters insurance, but still offers the common types of coverage you’d expect from carriers for auto insurance, including extras like gap insurance and car coverage. lease. Esurance has a respectable 4.2 Bankrate score, but did not rank in the JD Power Texas study for customer satisfaction.
Learn more: Esurance Insurance Review
Even though Mercury is one of the less popular car insurers, it still offers Houston drivers optional add-ons, such as rental car, roadside assistance, and transportation coverage. This carrier has the lowest bank rate score on our list of 4.1 and was not ranked for Texas customer satisfaction in the 2022 JD Power Auto Insurance Study. However, its minimum and full coverage rates are still below Houston’s average.
Learn more: Mercury Insurance Review
With a perfect Bankrate score of 5 and the highest JD Power score in Texas for customer satisfaction, USAA may be the best auto insurance in Houston for some drivers. Unfortunately, he is not eligible for official ranking with JD Power due to its eligibility restrictions, which are limited to current and past service members and their eligible immediate families. USAA also has one of the highest average rates for cheap auto insurance companies on our Houston list, though it’s still lower than the city average.
Learn more: USAA Insurance Review
How to Get and Keep the Cheapest Auto Insurance in Houston
To get the most competitive auto insurance rates, Houston drivers may have to work a little. Here are some ways to get and keep the cheapest car insurance in Houston:
- Shop around and compare quotes. Just because a carrier offers affordable rates doesn’t mean they’re the best option for your needs. Shopping around by comparing multiple quotes from different companies can help ensure you get the cheapest rates on the best auto insurance in Houston without having to limit coverage to make it affordable.
- Maintain a clean driving record. Keeping a clean driving record is one of the best ways to maintain cheap car insurance rates. It also often opens you up to eligibility for accident forgiveness, which protects your rates if you cause your first at-fault accident, and safe driving discounts, which people with faults on their driving record may not get. right.