Auto Insurance Basics

Who Has The Cheapest Auto Insurance Quotes in Houston, TX?

Find the Cheapest Insurance Quotes in Your Area

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Houstonians need their cars to get around, and to have a car, you need car insurance. We compared car insurance companies from Houston and Harris County to see which have the most affordable rates. Read below to see which insurers had the best car insurance quotes, or put your information up top to see a list of insurers in your neighborhood.

Cheapest Car Insurance Companies in Houston, Texas

We surveyed 11 companies from Houston and the Harris County area to see which auto insurers in Texas generally offered the best car insurance rates. Overall, we found Texas Farm Bureau to have the cheapest auto insurance quotes for our sample driver with an average premium of $1,284--about half as expensive as the city average. Since they a membership however, not all may be willing to sign up for it. The next best auto insurer for Houstonians is Progressive, around $250 per year more expensive.

Graph shows the least expensive car insurance companies in Houston, Texas

Find the Cheapest Auto Insurance Quotes in Your Area

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The numbers above represent the average quote given to a 30 year old male Houston driver of a Toyota Camry getting full coverage for each of those companies. It is likely the numbers you will get are different based on your driving profile. To start comparing auto quotes, put in your zip code in the box above to begin. Below you can see our full survey of all 11 companies.

RankAuto Insurance CompanyAverage Annual Rate
1Texas Farm Bureau$1,284
2Progressive$1,542
3State Farm$1,560
4GEICO$1,577
5Mercury$1,992
6Unitrin$2,328
7Encompass$2,424
821st.Century$2,736
9MetLife$3,396
10Kemper Security$5,928
11Dairlyand$6,156

Cost of Car Insurance in Houston: by Neighborhood

Car insurance rates will actually vary depending on which part of Houston you live in. The city is quite large, and we found rates in certain neighborhoods can be up to $800 more expensive per year. We surveyed seven individual neighborhoods that are more expensive than the city average we list above.

NeighborhoodAverage Annual Car Insurance Rate
Upper Kirby$3,306
Downtown Houston$3,360
Oak Forest$3,378
Midtown$3,450
Eastex$3,828
Chinatown$3,858
Kashmere Gardens$3,942

Even if you live in an expensive neighborhood, you can still find affordable auto insurance if you shop around. Even in Kashmere Gardens, we found rates from companies that were over $1,500 cheaper than the average. Getting quotes from at least three insurers increases your changes of getting good auto insurance rates.

Best Auto Insurance Companies in Houston

Who is the best car insurance company in Houston? While it is not always the case, the most affordable auto insurer, Texas Farm Bureau, is also considered the best. According to the 2016 J.D. Power Survey of Texas car insurance companies, customers surveyed gave Texas Farm Bureau the highest marks. What Texans particularly enjoyed from Texas Farm Bureau was the smoothness in which they handle claims. The only drawback to the Farm Bureau is that you first need to become a member, as well as pay an annual fee of usually around $40. Other companies are also pretty decent for Houstonians. In the table below you can see what certain companies are best for.

Auto Insurance CompanyBest For...
Texas Farm BureauOverall

Progressive

Ease and convenience

USAA

Military Members

Mercury

Bundling

Progressive is your next best option if you're looking for the most painless auto insurance buying experience. While the company doesn't score great marks on the J.D. Power survey, it is the fastest and easiest way for Houstonians to buy auto insurance. If you are in the military--especially if you are likely to be deployed in the future--USAA is likely the best company for you. USAA is highly regarded by the J.D. Power survey, only placing second to the Texas Farm Bureau. USAA offers great discounts for cars parked on military bases--though there are none located within Houston. If you live in Houston and are part of a military family, you will likely benefit the most if you will be deployed since the company offers massive discounts for deployed customers.

Finally, Mercury is likely the best company to bundle with. It is the fifth cheapest provider in the city, but will likely be the cheapest bundle you can have. We found for homeowners insurance in Texas that Mercury was the most affordable homeowners company to go with at an average yearly rate of $1,109 for the entire state. It will likely be more expensive than that figure in Houston, but will also likely be one of the most affordable in the city. Combining your auto and homeowners policy under Mercury, which comes with a 10% to 20% discount, may be your lowest costing bundle.

Auto Insurance Agents in Houston and Harris County

While many insurance companies like GEICO and Progressive let customers get quotes as well as purchase them online, most companies still want customers to buy policies from agents. That means speaking to one on the phone or going in person. We found a few insurers and agents around Harris County:

CityAgent/AgencyAddress
BaytownFarmers Insurance - Chad Merling5523 W Rd, Baytown, TX 77521, United States
A1 Auto Insurance1102 Decker Dr, Baytown, TX 77520, United States
Baja Auto Insurance1248 Garth Rd, Baytown, TX 77520, United States
A-Z Auto Insurance3602 Garth Rd, Baytown, TX 77521, United States
Allstate Insurance: Jeff Brabham6919 Garth Rd, Baytown, TX 77521, United States
CypressState Farm: Mark Adkins17400 Spring Cypress Rd #120, Cypress, TX 77429, United States
Allstate Insurance: Todd Ray17521 Telge Rd a, Cypress, TX 77429, United States
Farmers Insurance - Erlynne Rivera-Nansteel16518 House Hahl Rd, Ste B2, Cypress, TX 77433, United States
Jerry Jungels - State Farm Insurance AgentCypress Creek Lakes Shopping Center, 10920 Fry Rd #700, Cypress, TX 77433, United States
Farmers Insurance Group: Patterson Wendy16007 Mary Ann Ln, Cypress, TX 77429, United States
HoustonNationwide Insurance: Noltensmeyer Insurance Services LLC10777 Westheimer Rd #107, Houston, TX 77042, United States
A Abana Auto Insurance2300 Wirt Rd Suite C, Houston, TX 77055, United States
Texan Insurance6161 Savoy Dr #960, Houston, TX 77036, United States
Amtex Auto Insurance3815 Irvington Blvd, Houston, TX 77009, United States
Freeway Insurance Services10511 Eastex Fwy Suite 500, Houston, TX 77093, United States
HumbleDirect Auto Insurance9659 N Sam Houston Parkway E, Suite 200, Humble, TX 77396, United States
State Farm Insurance: Chris Roberson1420 FM 1960 E Bypass, Ste 121, Humble, TX 77338, United States
Serna Insurance Agency, Inc.9232 Will Clayton Pkwy, Humble, TX 77338, United States
Farmers Insurance8998 Will Clayton Pkwy, Humble, TX 77338, United States
Kosub and Associates320 E Main St d, Humble, TX 77338, United States
KatyFarmers Insurance722 Pin Oak Rd # 208, Katy, TX 77494, United States
Reliable Insurance Managers, Inc.5345 Hwy Blvd, Katy, TX 77494, United States
Farmers Insurance: Willard "Tre" Mays2020 Katy Hockley Cut Off Rd b, Katy, TX 77493, United States
G & H Financial Insurance Services, Inc.5503 4th St, Katy, TX 77493, United States
State Farm: Matt Schomburg814 East Ave, Katy, TX 77493, United States
KingwoodDormer Insurance Services: Ed Dormer13 N Main St, Kingwood, TX 77339, United States
Allstate Insurance: Steven Boyer1800 Northpark Dr c, Kingwood, TX 77339, United States
State Farm: Brian Burklow23902 US-59, Kingwood, TX 77339, United States
Allstate Insurance: Gilvaner Soares24551 TX-494 Loop #108, Kingwood, TX 77339, United States
State Farm: Butch Standerfer1329 Kingwood Dr, Kingwood, TX 77339, United States
La PorteTom Handy - State Farm Insurance Agent10404 Spencer Hwy c, La Porte, TX 77571, United States
Frank Nance - State Farm Insurance Agent8610 Spencer Hwy g, La Porte, TX 77571, United States
Amco Auto Insurance8371 Spencer Hwy, Deer Park, TX 77536, United States
Allstate Insurance: Frederick Gintert417 N 10th St, La Porte, TX 77571, United States
Turrentine Insurance Agency4003 Center St, Deer Park, TX 77536, United States
TomballAllstate Insurance: Chris Draper14011 Park Dr Ste 109, Tomball, TX 77377, United States
Acceptance Auto Insurance27910 Tomball Pkwy #104, Tomball, TX 77375, United States
Caley Baillio - State Farm Insurance AgentSte A8, 27620 TX-249, Tomball, TX 77375, United States
AMCO REMCO Insurance1335 W Main St a, Tomball, TX 77375, United States
Great Southern Agency: Brian Hastings Agent12111 Spring Cypress Rd # A, Tomball, TX 77377, United States

Fatal Accidents in Houston

Between 2011 and 2015, there were 978 fatal car accidents that occured within Houston, making it one of the more dangerous cities in the U.S. for auto accidents. There are two pockets within the city where the most fatal accidents have occurred: around the center of the city where I-10 passes, as well as a section where I-69, I-610, and US-59 passes near the Bellaire area.

Most Dangerous Roads in Houston

Certain roads as we mention above tend to have more accidents. I-610 is one of the most driven roads within Houston and unsurprisingly has the most fatal accidents. The following is a list of the five roads with the most accidents between 2011 and 2015.

HighwayNumber of Fatal Accidents (2011 - 2015)Percent That Involve Drunk Driver
I-6104839.6%
US-593636.1%
I-452657.7%
I-102433.3%
I-45 GULF FWY1723.5%

Drunk driving appears to be a large issue on I-45 where over half of the fatal accidents involved a drunk driver. Caution should likely be exercised when driving on any of these roads.

Minimum Car Insurance Requirements in Houston, TX: The 30/60/25 Law

In Texas, drivers have to obey the 30/60/25 Law where they are required to hold that 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 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. If your health insurance does not cover injuries sustained from a car accident, PIP should be strongly considered for your policy.

How We Compared Quotes

We collected quotes from different insurance companies across 78 towns and cities in Texas and eight in Harris County. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Texas. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. 

Coverage TypeTexas MinimumStudy Limits 
Bodily Liability  $30,000 per person / $60,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $25,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI   $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property 
 
$50,000 per accident 
Comprehensive & Collision $500 Deductible 

Sources:

Fatal car accident and DUI data: FARS 2011 to 2015.

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