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When you’re in search of low-cost auto insurance coverage in Houston, Texas, procuring round can actually repay. Charges range by driver, automobile and firm, so you possibly can solely predict which shall be least expensive for you by evaluating quotes.
To assist simplify your search, we analyzed charges from a number of automotive insurance coverage firms within the Houston-The Woodlands-Sugar Land metro space to search out out that are the most affordable. We checked charges in Houston for:
A 40-year-old single driver with a brand new 2019 automobile.
A 40-year-old single driver with a latest DUI, a 2016 Camry and minimal protection ranges.
A household — 50-year-old couple with and with no teen driver — with a 2016 Camry.
Least expensive in Houston for three widespread fashions
It’s sensible to buy round for automotive insurance coverage once you’re available in the market for a brand new automobile — no firm is at all times the most affordable for each mannequin. NerdWallet analyzed charges for seven firms in each ZIP code within the Houston metro space for female and male drivers with good credit score and no latest transferring violations or tickets. Drivers have been 40 years previous, single and had a preferred 2019 automobile used for commuting. We checked out charges for a pickup truck, SUV crossover and sedan, utilizing base fashions for every. The automobiles we selected — the Ford F-150, Honda CR-V and Toyota Camry — have been among the many best-selling fashions within the nation final 12 months.
Least expensive in Houston for a 2019 Ford F-150
The most cost effective insurer we present in Houston for a Ford F-150 was Nationwide with a median annual fee of $1,574 per 12 months — about $131 per thirty days.
The common annual automotive insurance coverage fee in Houston for the nation’s hottest pickup truck — and hottest automobile total — is $1,659, which is about $138 per thirty days.
Least expensive in Houston for a 2019 Honda CR-V
The most cost effective auto insurance coverage fee we present in Houston for a brand new Honda CR-V got here from Geico at a median annual price of $1,202 per 12 months, or simply about $100 per thirty days.
The common automotive insurance coverage fee in Houston for a 2019 Honda CR-V was $1,541 per 12 months, or round $128 per thirty days.
Least expensive in Houston for a 2019 Toyota Camry
The most cost effective fee in Houston for a brand new Camry in our take a look at was from Geico at an annual fee of $1,459 on common, which works out to $122 per thirty days.
The general common insurance coverage fee for the nation’s hottest sedan was $1,881 per 12 months in Houston, or about $157 per thirty days.
Common automotive insurance coverage charges in Houston by mannequin
Along with the fashions above, we analyzed charges for an extra 22 widespread 2019-model-year automobiles and located their common automotive insurance coverage prices. You probably have a more moderen automobile, you should utilize this listing as a benchmark to match in opposition to your personal charges and resolve whether or not it’s time to buy a brand new insurance coverage firm.
Just like the three fashions above, Geico or Nationwide had the most affordable common charges for all 25 automobiles we examined. Nationwide was least expensive for seven and Geico had the bottom common charges for the remaining 18. One exception: For lively army, veterans and their households, USAA was the most affordable for a majority of automobiles, however the firm isn’t out there to most people.
Least expensive auto insurance coverage in Houston after a DUI
Since automotive insurance coverage could be costly after a DUI, we checked out minimal protection charges for Houston drivers. The most cost effective fee we noticed was from Southern County Mutual, at $709 per 12 months, on common, or roughly $59 per thirty days. For these bare-bones insurance policies in Houston after a DUI, the general common fee was $998 per 12 months or about $83 per thirty days.
Wish to see charges for various driver profiles? Evaluate costs throughout the Lone Star state in our Greatest Low cost Automotive Insurance coverage in Texas for 2019 evaluation. Spoiler: In these teams, the most affordable choices are totally different.
Least expensive in Houston for and households with a teen
A pair on the identical insurance coverage coverage can profit from reductions for masking a number of automobiles and drivers collectively. However insurance coverage for younger drivers isn’t low-cost, doubling the price of a couples-only coverage, on common, in response to NerdWallet analysis. We checked out charges in Houston for a 50-year-old married couple and in contrast prices to insurance policies with an added male or feminine 18-year-old driver.
The most cost effective charges in Houston for a pair come from Nationwide at $1,408 per 12 months, on common, when excluding USAA. Nationwide additionally had the most affordable common charges for households with a teen driver at $2,395 per 12 months with a daughter and $2,674 per 12 months with a son. Charges are ranked so as of the most affordable for a pair with no teen on the coverage.
NerdWallet checked out insurance coverage charges from massive insurers in each ZIP code for counties within the Houston-The Woodlands-Sugar Land metro space and averaged them.
Common 2019 automobile fashions:
Charges have been for 40-year-old female and male drivers with good credit score and no tickets or violations. Automobiles listed have been the 25 top-selling fashions within the U.S. in 2018, in response to information collected by Automotive and Driver. Insurance coverage charges are for 2019 fashions. We checked out insurance policies with:
$100,000 bodily damage legal responsibility protection per individual.
$300,000 bodily damage legal responsibility protection per crash.
$50,000 property injury legal responsibility protection per crash.
$100,000 uninsured motorist bodily damage protection per individual.
$300,000 uninsured motorist bodily damage protection per crash.
Collision protection with $500 deductible.
Complete protection with $500 deductible.
Couples and households with a teen:
We analyzed charges for a coverage for 2 50-year-old married adults versus a coverage for 2 50-year-old married adults with both an 18-year-old son or daughter licensed at age 16. Insurance policies had the identical protection limits and deductibles as the favored automobiles listed above.
Drivers with a latest DUI:
NerdWallet averaged charges for 40-year-old women and men with a DUI throughout the previous six months from a number of insurers in Texas and remoted charges for counties within the Houston metro space. The pattern coverage consists of the minimal protection required by legislation in Texas.
All pattern charges are generated via Quadrant Info Providers. Your individual charges will differ.
Concerning the writer
Lacie is an insurance coverage author and NerdWallet’s authority on auto insurance coverage. Her work has been featured by USA At this time, U.S. Information & World Report and The Related Press.