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Who Has the Cheapest Car Insurance Quotes in Houston?

Who Has the Cheapest Car Insurance Quotes in Houston?

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

The average cost of minimum coverage auto insurance in Houston is $1,284 compared to the state average of $951. Houstonians need their cars to get around, and to have a car, you need car insurance.

Houston, Texas’ biggest city, has insurance rates that tend to be more expensive than the state average, but you can still find savings by shopping and seeing how your background affects your rates. The cost of the same insurance policy can vary across different insurance companies.


Cheapest auto insurer

Fred Loya logo
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Best for customer service

Farmers logo
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In fact, the cheapest minimum insurance policy costs $777 on average, while the most expensive minimum policy costs $2,405 on average, highlighting the importance of contacting multiple insurers before making a decision.

Cheapest car insurance for minimum policy in Houston

Loya had the cheapest auto insurance quotes for our sample driver, with an average premium of $777 — nearly half as expensive as the city average. The next best auto insurer for Houstonians is State Farm, which is around $14 per year more expensive at an average price of $791.

Qualified former and current military members should consider obtaining a quote from USAA, which costs $526 on average and is the cheapest overall insurer.

The graph shows which companies are the cheapest for car insurance in Houston TX

Find Cheap Auto Insurance Quotes in Houston

Currently insured?

Given Houston’s high auto insurance prices, it might seem worthwhile and cost-effective to purchase a minimum liability policy. However, liability insurance won't protect against the cost of damage to your own vehicle. In the event that you get into an expensive crash, you won’t be covered by the minimum policy and will have to pay out of pocket costs to repair your car.

We recommend drivers who own new or expensive vehicles invest in additional coverage or full coverage policy.

Rank
Auto insurer
Average annual rate
1Loya$777
2State Farm$791
3Chubb$956
4Geico$1,200
5Nationwide$1,313
6Allstate$1,771
7Dairyland$1,815
8MetLife$2,405
N/A*USAA$526
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Cheapest company in Houston for full coverage insurance

Loya, State Farm and Geico have the cheapest minimum and full coverage policies, costing less than $2,000 annually. Drivers who are interested in switching from a minimum policy to a full coverage policy will see the smallest price jump with Loya. Loya’s full coverage policy is $444 more expensive on average than its minimum policy.

USAA had one of the cheapest full coverage policies, averaging $1,496 per year, but the company only insurers qualified military members.

Rank
Company
Average annual premium
1Loya$1,221
2State Farm$1,731
3Geico$2,633
4Chubb$2,708
5Nationwide$2,849
6Dairyland$5,014
7Allstate$5,334
8MetLife$6,191
N/A*USAA$1,496

*USAA is only available to current and former military members and their families.

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A full coverage policy can cost as much as three times more than a minimum policy. Paying more for a full policy means that you not only meet the state insurance requirements but you will also receive comprehensive and collision coverage.

Comprehensive
Collision
Protects against "acts of God" or damage caused by circumstances out of your control, including storms, vandalism and falling objectsProtects you in cases where you crash your car into another object, or your car flips over or is driven into a ditch
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If you have a car that is less than 10 years old or an expensive car worth more than $3,000, it is recommended that you add this additional protection. Comprehensive covers situations that are unpredictable and out of your control, while collision covers some of the most common ways your vehicle can receive damage.

Cheapest car insurance for drivers with prior accidents

Nationwide, State Farm and Loya had the smallest premium increase for a driver with an accident history. Nationwide, notably, has no price change following an accident causing $2,000 in property damage, according to our data. Loya and State Farm increased prices by around $300.

With insurance premiums in Houston already being high for Texans, drivers with an accident history have the additional challenge of finding coverage that won’t ruin their budget. Your accident history is one of the biggest factors that will quote. If you’ve had an accident, insurance companies will likely raise your rates.

Depending on the company you are insured under, you could see your premium costs nearly double following an accident. When contacting insurers, ask how an accident history will impact your quote because one of the best things you can do to mitigate the price increase is to ask around.

Rank
Company
Car insurance rate before accident
Car insurance rate after accident
Difference
1Loya$1,221$1,536$315
2State Farm$1,731$2,024$293
3Geico$2,633$4,162$1,529
4Chubb$2,708$4,589$1,881
5Nationwide$2,849$2,849$0
6Dairyland$5,014$6,695$1,681
7Allstate$5,334$8,573$3,239
8MetLife$6,191$11,559$5,368
N/A*USAA$1,496$2,255$759

*USAA is not ranked because only military members (current and former) and their families are eligible.

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There are certain ways to lessen the impact of an accident on your rates. Many drivers take advantage of their insurance company’s discounts. Companies, more often than not, have a long list of discounts that you may already qualify for. You can receive discounts for having anti-theft gear installed in your car, wearing seatbelts or taking defensive driving courses.

Cheapest full coverage auto insurance for young drivers

Auto insurance rates are higher for young and inexperienced drivers than for older drivers. Teens and young adults are more likely to be involved in an accident and are seen as more risky investments. The most affordable insurers for the average 18-year-old driver are State Farm and Geico, which have premiums under $6,000.

USAA is by far the cheapest insurer, costing under $3,000 per year. We recommend that former and current military members and their family members reach out to USAA for a quote.

Insurance for young people is expensive, but you should still reach out to several insurers to receive quotes.

Rank
Insurer
Average annual premium
1State Farm$5,316
2Geico$5,712
3Loya$6,068
4Chubb$7,098
5Allstate$10,113
6Nationwide$11,148
7Dairyland$12,026
8MetLife$20,261
N/A*USAA$2,738

*USAA is not ranked because only military members (current and former) and their families are eligible. Our sample driver is an 18-year-old man.

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If you find that quotes are still too expensive even after contacting multiple insurers, here are two things you can do: ask about discounts or talk to your parents about being on their plan. Many insurers have discounts specifically for young people in school such as the "good student discount," and staying on a combined policy with other family members will be cheaper than having two separate policies.

Best car insurance company in Houston by customer service

The best insurance company will have not only affordable prices but also high-quality customer service. That means fast processing times, 24/7 customer service and open communication. The insurers with the best customer service, measured by the frequency of customer complaints, are:

  • Farmers Insurance
  • Chubb
  • Travelers

When deciding which insurer to rely on, you need to strike a balance between service and cost. Loya, which has the most affordable minimum and full coverage policy, is listed as having the worst customer service out of 14 insurers. Many customers cited a lack of returned calls or long claims resolution as a reason.

It’s crucial that you ask yourself which company will not only get you the best savings but also ensure that your problems are being taken care of.

Rank
Company
Market share
Complaint Index
1Farmers Insurance6.7%0.16
2Chubb0.4%0.27
3Travelers (Consumers County Mutual)1.9%0.34
4Nationwide1.5%0.39
5Progressive13.9%0.40
6Geico11.5%0.41
7Texas Farm Bureau Insurance2.8%0.42
8Allstate Corp.10.3%0.60
9State Farm12.2%0.69
9USAA7.1%0.69
11MetLife0.5%0.91
12Liberty Mutual4.1%0.93
Show All Rows

Insurers were selected based on market share and quote availability. Complaint index information is drawn from the National Association of Insurance Commissioners. The national median for the complaint index is 1.0, meaning companies with a lower index provide better customer service compared to the median company.

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A low complaint index indicates that consumers filed complaints about a given company to Texas state regulators less frequently than others, adjusted for market share.

Cost of car insurance in Houston by neighborhood

Car insurance rates will actually vary depending on which part of Houston you live in. For instance, drivers in Addicks, one of the more inexpensive areas, have average rates that are $144 cheaper than in Sharpstown, the most expensive neighborhood. Even if you live in an expensive neighborhood, you can still find affordable auto insurance if you shop around. Getting quotes from at least three local insurers increases your chances of getting good auto insurance rates.

ZIP code
Neighborhood
Average premium cost
77002Downtown$1,324
77003Downtown / East End$1,307
77004Binz$1,353
77005West University Place$1,248
77006Neartown / Montrose$1,283
77007Washington Avenue / Memorial$1,270
77008Greater Heights$1,290
77009Northside Village$1,295
77010Downtown$1,335
77011Magnolia Park / East End$1,312
77012Harrisburg / East End$1,257
77013Dorado$1,313
Show All Rows
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Auto insurance agents in Houston and Harris County

While many insurance companies like Geico and Progressive let customers get quotes as well as purchase policies online, most companies still want customers to buy policies from agents. That means speaking to one on the phone or in person. We found several insurers and agents around the Houston area:

City
Agent and address
Baytown
  • A-Z Auto Insurance
  • 3602 Garth Road
  • A1 Auto Insurance
  • 1102 Decker Drive
  • Allstate Insurance
  • Jeff Brabham
  • 6919 Garth Road
  • Baja Auto Insurance
  • 1248 Garth Road
  • Farmers Insurance
  • Chad Merling
  • 5523 West Road

Cypress

  • Farmers Insurance
  • Erlynne Rivera-Nansteel
  • 16718 House Hahl Road, Ste G
  • State Farm Insurance
  • Jerry Jungels
  • Cypress Creek Lakes Shopping Center, 10920 Fry Rod #700
  • State Farm Insurance
  • Mark Adkins
  • 17400 Spring Cypress Road, Suite #120

Houston

  • A Abana Auto Insurance
  • 2300 Wirt Road Suite C
  • Amtex Auto Insurance
  • 3815 Irvington Boulevard
  • Freeway Insurance Services
  • 10511 Eastex Fwy Suite #500
  • Nationwide Insurance
  • Noltensmeyer Insurance Services LLC, 10777 Westheimer Road #107
Show All Rows
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ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EBaja Auto Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 1248 Garth Road\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFarmers Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Chad Merling\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 5523 West Road\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["\u003C\/p\u003E\n\n\u003Cp\u003ECypress","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFarmers Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Erlynne Rivera-Nansteel\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 16718 House Hahl Road, Ste G\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Jerry Jungels\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cypress Creek Lakes Shopping Center, 10920 Fry Rod #700\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Mark Adkins\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 17400 Spring Cypress Road, Suite #120\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["\u003C\/p\u003E\n\n\u003Cp\u003EHouston","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EA Abana Auto Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 2300 Wirt Road Suite C\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAmtex Auto Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 3815 Irvington Boulevard\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFreeway Insurance Services\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 10511 Eastex Fwy Suite #500\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ENationwide Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Noltensmeyer Insurance Services LLC, 10777 Westheimer Road #107\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETexan Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 6161 Savoy Drive #960\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["\u003C\/p\u003E\n\n\u003Cp\u003EHumble","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EDirect Auto Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 9659 N Sam Houston Parkway E, Suite #200\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFarmers Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 8998 Will Clayton Parkway\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EKosub and Associates\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 320 East Main Street\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ESerna Insurance Agency, Inc.\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 9232 Will Clayton Parkway\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Chris Roberson\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 1420 Farmers to Market 1960 East Bypass, Suite #121\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["\u003C\/p\u003E\n\n\u003Cp\u003EKaty","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFarmers Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Salvador Navarro\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 722 Pin Oak Road #208\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFarmers Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Willard \"Tre\" Mays\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 2020 Katy Hockley Cut Off Road\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EG & H Financial Insurance Services, Inc.\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 5503 4th St\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EReliable Insurance Managers, Inc.\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 5345 Highway Boulevard\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Matt Schomburg\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 814 East Ave\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["\u003C\/p\u003E\n\n\u003Cp\u003EKingwood","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAllstate Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Steven Boyer\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 1800 Northpark Drive\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAllstate Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Gilvaner Soares\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 24551 TX-494 Loop Suite #108\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EDormer Insurance Services\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Ed Dormer\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 13 North Main Street\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Brian Burklow\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 23902 Highway 59 North\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Butch Standerfer\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 1329 Kingwood Drive\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["\u003C\/p\u003E\n\n\u003Cp\u003ELa Porte","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAmco Auto Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 8371 Spencer Highway\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAllstate Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Frederick Gintert\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 417 North 10th Street\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Tom Handy\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 10404 Spencer Highway\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Frank Nance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 8610 Spencer Highway\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETurrentine Insurance Agency\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 4003 Center Street\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["\u003C\/p\u003E\n\n\u003Cp\u003ETomball","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAcceptance Auto Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 27910 Tomball Parkway, Suite #104\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAllstate Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Chris Draper\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 14011 Park Drive, Suite #109\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAMCO REMCO Insurance\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 1335 West Main Street\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EGreat Southern Agency: Brian Hastings Agent\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 12111 Spring Cypress Road A\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],["^^^","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EState Farm Insurance Agent\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Caley Baillio\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 620 West Main St Suite B\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Minimum car insurance requirements in Texas: The 30/60/25 law

In Texas, drivers have to obey the 30/60/25 law, which requires drivers to hold a certain amount of car insurance for bodily injury liability and property damage liability coverage.

Below you can see the full breakdown:

  • $30,000 of bodily injury liability per person
  • $60,000 of bodily injury liability per accident
  • $25,000 of property damage liability

While these minimum amounts tend to be higher than in most other states, drivers should still consider higher and optional coverages such as collision and comprehensive insurance. Drivers in Texas are also allowed to purchase personal injury protection (PIP). If your health insurance does not cover injuries sustained from a car accident, you should strongly consider PIP for your policy.

Methodology

Our sample driver is a 30-year-old single man driving a 2015 Honda Civic EX and looking for minimum policy auto insurance from one of nine insurance companies in Houston. The driver also has below-average or poor credit and no accident history, except in instances where we state otherwise.

During instances where our driver sought full policy coverage, we used the following limits:

Coverage type
Study limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$50,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Uninsured/underinsured motorist property$50,000 per accident
Comprehensive and collision$500 deductible
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ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.