Cheap Auto Insurance Quotes Houston

Cheap Auto Insurance Quotes Houston: cheapest car insurance in Texas

Finding cheap auto insurance quotes can be like navigating a maze in busy cities like Houston. It’s simple to become overwhelmed by the abundance of policy options and the numerous providers fighting for your attention. But if you have the right information and tactics, you can easily find low-cost auto insurance quotes in Houston. We’ll go over useful advice and insights in this in-depth guide to help you get the best auto insurance prices without sacrificing coverage.

If you live in Houston, the fourth largest city in the U.S. by population, you may be wondering how to find cheap car insurance. Whether you only get in the car to head downtown for a Houston Astros game, or you’re regularly commuting, finding the most affordable car insurance can sometimes be a time-consuming process. Shopping around and comparing quotes from multiple insurers is the best way to ensure you’ll get the cheapest car insurance possible. Auto insurance quotes are highly personalised, and prices are based on a variety of factors, including your ZIP code and driving history. To help get you started on your search, NerdWallet has compiled average car insurance rates in Houston. Read on to find out how auto insurance companies in Houston stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Cheapest car insurance companies in Houston: cheapest car insurance in Texas

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Houston, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It’s important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company	Rate	NerdWallet Rating
Texas Farm Bureau	$1,521	3.5 NerdWallet rating
State Farm	$1,832	5.0 NerdWallet rating
Auto Club of SoCal	$2,162	Not yet rated
Geico	$2,312	5.0 NerdWallet rating
Allstate	$2,856	4.5 NerdWallet rating
Germania	$2,992	Not yet rated
Farmers	$3,282	4.5 NerdWallet rating
National General	$3,636	3.0 NerdWallet rating
Progressive	$3,696	4.5 NerdWallet rating
Nationwide	$3,885	4.5 NerdWallet rating

If you’re looking for cheap car insurance in Houston, Texas, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Houston — or anywhere.

Houston’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet for getting the lowest rate. According to NerdWallet’s analysis, these are the average rates in Houston by the company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim and good drivers are considered among the least risky. Here are the average rates for good drivers in Houston according to NerdWallet’s most recent analysis.

Company	Rate	NerdWallet Rating
Texas Farm Bureau	$1,521	3.5 NerdWallet rating
State Farm	$1,832	5.0 NerdWallet rating
Auto Club of SoCal	$2,162	Not yet rated
Geico	$2,312	5.0 NerdWallet rating
Allstate	$2,856	4.5 NerdWallet rating
Germania	$2,992	Not yet rated
Farmers	$3,282	4.5 NerdWallet rating
National General	$3,636	3.0 NerdWallet rating
Progressive	$3,696	4.5 NerdWallet rating
Nationwide	$3,885	4.5 NerdWallet rating

Minimum car insurance requirements in Texas

When shopping for car insurance, be aware of Texas’ minimum car insurance requirements. You’ll need $30,000 in bodily injury liability per person and $60,000 in bodily injury liability per accident, plus $25,000 in property damage coverage per accident to drive legally in the state. While these are the minimum required amounts, you may want higher limits if you’re regularly on the road, have a history of traffic violations, have a high net worth or simply want greater financial protection.

Although it might seem difficult, obtaining cheap auto insurance quotes in Houston is completely doable with the appropriate strategy. You can save a lot of money on your auto insurance premiums by being aware of your coverage needs, comparing quotes, keeping your driving record spotless, bundling policies, thinking about higher deductibles, taking advantage of discounts, keeping your credit score high, and yearly policy reviews. You’ll be ready to find coverage that fits your needs and budget if you have these strategies in place.