Best car insurance
Best car insurance in Houston for 2021, in 2020, there were over 97,000 traffic accidents in Harris County, home to Houston, Texas. 466 of those accidents were fatal.
Drivers in Houston likely want to protect themselves from the financial implications of causing an accident, and one of the best ways to do that is to purchase auto insurance.
The average cost of car insurance in Houston is $691 per year for minimum coverage and $2,146 per year for full coverage, according to Bankrate’s 2021 study of quoted annual premiums.
To find the best car insurance, Houston drivers may want to consider several factors, such as average premiums, customer service scores, discounts, and available coverages. Bankrate has reviewed the largest carriers by market share in the area to help you find the best car insurance in Houston.
Best cheap car insurance companies in Houston
To help you find the best car insurance companies in Houston for your needs, Bankrate’s editorial team looked at the biggest providers and carefully evaluated each one based on 2021 average rates obtained from Quadrant Information Services, third-party ratings, coverage options, discounts, and customer service reviews.
If you are looking for car insurance coverage in the Houston area, these companies might be a good fit:
|Insurance company||J.D. Power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||832 / 1,000||$503||$1,529|
|USAA||*879 / 1,000||$510||$1,556|
|State Farm||838 / 1,000||$665||$1,651|
|Allstate||836 / 1,000||$700||$2,033|
In Houston, and around the country, Geico is known for selling affordable car insurance policies. If price is your primary concern, you may want to get a quote from Geico. However, Geico does not offer a wide selection of coverage options; its policies are fairly basic.
But the company does have a wide variety of discount opportunities that could help drivers save even more money on their premiums. The company also has a robust mobile app that allows you to pay bills, make policy changes, call for roadside assistance, and file claims.
USAA may be a good choice for policyholders who are active-duty military members or veterans. The company exclusively sells insurance to military members and their eligible families, and if you meet the criteria, USAA may be able to provide you with auto insurance that is well below the Houston area’s average premiums.
The company also consistently receives high scores from J.D Power, although it is not eligible for official ranking due to its eligibility restrictions
Although Allstate did not receive the highest J.D. Power score of the providers we chose as being among the best, the company could still be a good fit for your needs. Allstate offers numerous coverage endorsements to help you to customize your policy,
including sound system equipment coverage and coverage options for classic cars. In addition, Allstate offers a long list of discounts for drivers who are looking to lower their rates. Allstate customers may be able to save money on their insurance by insuring a new vehicle, being a smart student, and paying their premiums on time.
Cheapest vehicle insurance plan in Houston
The auto insurance plan is incredibly pricey in Houston. Full insurance fees are $2,146 per year, whereas the common annual full insurance top class in Texas is $1,823 and the country-wide common annual full insurance top rate is $1,674. Minimum insurance fees are $691 per yr in Houston, $524 per yr in Texas, and $565 per yr nationally.
Cost is regularly a challenge when purchasing auto insurance. Based on our research, some of the largest, most inexpensive auto insurance plan carriers in Houston are:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
The desk above compares the most inexpensive auto insurance plan quotes from the most famous carriers primarily based on market share. This data is really useful to preserve in thinking when studying vehicle insurance plan carriers.
As shown, Geico provides the most inexpensive common full and minimal insurance premium. However, simply due to the fact a company’s insurance is a bit extra highly-priced — like AmTrust Financial — does no longer imply that it is no longer an accurate company.
Cost is now not the solely element that you would possibly favor to think about when deciding on your vehicle insurance plan company. You may additionally favor to assume about a company’s consumer carrier ratings, handy discounts, digital equipment and insurance choices as well.
Houston insurance plan requirements
Drivers in Houston are legally required to elevate a minimal quantity of automobile insurance plan coverage, as decided by way of nation law. In Texas, each and every driver need to elevate at least 30/60/25 coverage, which includes:
- $30,000 in bodily damage legal responsibility insurance per person
- $60,000 in bodily harm legal responsibility insurance per accident
- $25,000 in property harm legal responsibility coverage
Your Texas auto coverage will additionally mechanically consist of non-public harm safety (PIP), even though you can reject this insurance in writing. Car insurance plan corporations in Texas are additionally required to provide you uninsured motorist insurance and underinsured motorist coverage, which you might also additionally pick to reject in writing.
Purchasing a minimal insurance plan should suggest you will pay a decrease rate. However, insurance plan professionals agree that most drivers will advantage from buying greater legal responsibility limits or even full insurance.
The fees in the aftermath of automobile accidents can be excessive and there is no warranty that Houston’s minimum insurance requirement will be ample to cowl the full fee of an at-fault crash. Any damages above your policy’s restriction will come without delay out of your pocket.
Additionally, most lenders and dealerships require you to raise a full insurance insurance plan if your automobile is financed or leased. Lenders may additionally mandate how excessive your deductibles can be.
Car insurance plan reductions in Houston
Most Houston vehicle insurance plan organizations provide reductions to assist drivers to shop cash on premiums. You would possibly even qualify for a couple of discounts. Here are some of the extraordinary reductions provided in Houston and who is eligible for them:
Policy bundling: Houston drivers who bundle an auto and domestic insurance plan coverage from the identical business enterprise can regularly retailer cash on their premiums. Most insurance plan groups that provide auto and property insurance plans provide this discount.
Defensive driver discounts: If you take an permitted protecting driver course, you may be capable to keep cash on your automobile insurance. You may additionally favor to contact your insurance plan organization to ask if they provide this cut price and to test which corporations provide a qualifying riding coaching course.
Good scholar discounts: Many insurance plan businesses provide a bargain for students who get correct grades or hold a sure GPA. The necessities are exceptional for each and every insurance plan company, so take a look at to see if you or your pupil qualifies.
Car protection characteristic discounts: Another famous automobile insurance plan bargain in Houston is the automobile security characteristic discount. If your automobile has positive features, like anti-lock brakes, airbags, daylight going for walks lights, or an anti-theft system, you might also qualify for a discount.
Talking to your agent is one of the first-class approaches to take a look at to see if there are extra financial savings possibilities that you would possibly qualify for. You can additionally typically see what reductions are presented on most auto insurance plan companies’ websites.
Frequently requested questions
What is the pleasant vehicle insurance plan company?
Car insurance plan is enormously personalized, so the nice auto insurance plan business enterprise is one-of-a-kind for each and every driver. It relies upon on the quantity of insurance you need, the kind of insurance you want, your price range, and what you cost in a auto insurance plan company.
Your age, gender, ZIP code and driving records additionally thing into your fees and eligibility. When you are buying for vehicle insurance plan in Houston, it is a properly concept to evaluate vendors and get pattern rates to see which organization can provide you the lowest rate.
What elements can have an effect on the value of my auto insurance plan in Houston?
There are many distinct elements that can increase or decrease your auto insurance plan quotes if you stay in the metropolis of Houston. Everything from the make and mannequin of your vehicle to the kind of insurance and your using file can have an effect on your rates.
Even your ZIP code can have an effect on how a whole lot your vehicle insurance plan coverage will fee you, as can your marital reputation and what functions you use your automobile for. Because each and every enterprise weighs your ranking elements differently, getting charges from exclusive businesses for the equal insurance would possibly help you discover the insurance you want for a decrease price.
What will manifest if I power uninsured in the town of Houston?
If you are an uninsured driver in Houston, you might also be searching at a ticket and a hefty fine. In addition to fines, you may want to additionally have your vehicle impounded or have your license suspended. If you purpose an accident besides automobile insurance, you will be accountable for the damages out of pocket.
Insurance can be expensive, however, the monetary fallout from riding besides insurance regularly outweighs your top class amount.
Why is an automobile insurance plan luxurious in Houston?
Drivers in Houston pay extra than drivers in Texas and in the state as a whole, on average. This may want to be due to the dimension of the metropolis and the wide variety of automobiles on the road. Houston’s roadways are busy and greater motors on the street suggest there is a larger risk of accidents. To compensate for this accelerated risk, auto insurance plan organizations can cost greater premiums.
makes use of Quadrant Information Services to analyze 2021 fees for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted quotes are primarily based on a 40-year-old male and girl driver with an easy using record, right savings, and the following full insurance limits:
- $100,000 bodily harm legal responsibility per person
- $300,000 bodily damage legal responsibility per accident
- $50,000 property injury legal responsibility per accident
- $100,000 uninsured motorist bodily harm per person
- $300,000 uninsured motorist bodily harm per accident
- $500 collision deductible
- $500 complete deductible
To decide minimal insurance limits, Bankrate used minimal coverages that meet every state’s requirements. Our base profile driver personal a 2019 Toyota Camry, travel 5 days a week and force 12,000 miles annually.