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open/ TX/ houston

Cheapest car insurance in Houston, Texas

Texas requires minimum liability coverage of 30/60/25. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of Texas →

Pulled directly from carrier rate filings for this city.

Houston is one of the larger markets Open Rate Index tracks, with 2,320,000 residents and enough filed volume to keep the spread below stable month to month. The spread here is wide, 64% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 38% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 Texas Farm BureauFiled rate, credit/record adjusted $161.34
02 Auto Club of SoCalFiled rate, credit/record adjusted $198.34
03 State FarmFiled rate, credit/record adjusted $207.36
04 USAAFiled rate, credit/record adjusted $213.51
05 ProgressiveFiled rate, credit/record adjusted $284.80
06 GEICOFiled rate, credit/record adjusted $288.08
07 AllstateFiled rate, credit/record adjusted $341.63
08 GermaniaFiled rate, credit/record adjusted $343.61
09 National GeneralFiled rate, credit/record adjusted $396.47
10 ChubbFiled rate, credit/record adjusted $445.86
Rate explainer
Why is your best rate $161.34 and not $209.31?

Houston is priced against 10 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$32.79
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, One ticket (modeled) +$46.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.