Houston Auto Insurance Rates, Quotes, Agents & Reviews in TX

Houston, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Houston, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Houston, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Houston, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Houston, TX with that of other cities in and around Houston.

Houston Spring Valley Village West University Place Southside Place Harris County Hunters Creek Village
Average Insurance Rates $1,588 $2,612 $2,236 $2,090 $1,565 $2,205

Houston, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Houston, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Houston $1,269 $1,072
Harris County $1,136 $960
Hilshire Village $1,539 $1,300
West University Place $1,987 $1,678
Hunters Creek Village $2,583 $2,182
Spring Valley Village $1,879 $1,587
Southside Place $2,287 $1,931
Aldine $1,349 $1,140

Houston, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Houston, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,153
20 Years $2,040
30 Years $1,572
40 Years $1,512
50 Years $1,400
60 Years $1,420
70 Years $1,653

Houston, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Houston, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,763 $413
3 Vehicles $4,145 $619
4 Vehicles $5,526 $826

Savings on 2 Vehicles bundle:$413

Savings on 3 Vehicles bundle:$619

Savings on 4 Vehicles bundle:$826


Houston, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Houston, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Houston $1,588 $2,472
Harris County $1,565 $2,436
Hilshire Village $2,841 $4,423
West University Place $2,236 $3,481
Hunters Creek Village $2,205 $3,433
Spring Valley Village $2,612 $4,066
Southside Place $2,090 $3,254
Aldine $1,855 $2,888

Houston, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,362
Excellent (740-799) $1,555
Good (670-739) $1,655
Average (580-669) $2,159
Poor (300-579) $2,590

Houston, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Rodney Poole Farmers 2020 MONTROSE BLVD STE 300, Houston, 77006 (713) 528-9955
Carl S Smith Allstate 1200 McKinney St Ste 309, Houston, 77010 (713) 658-0869
Myron F Steves & Co Travelers 3131 EASTSIDE STE 600, HOUSTON, 77098 866-441-1061
Solomon Bowens Farmers 5959 Westheimer Rd Ste 104, Houston, 77057 (713) 931-9313
Frost Insurance Agency Inc Liberty Mutual Independent 3707 RICHMOND AVE, HOUSTON, 77046 713-388-1250
Arlene Lollie & Associates Inc. None 6001 Savoy Drive 6001 Savoy Drive, Houston, 77036 None
Jack Armstrong Insurance Agency Travelers 3501 ALDINE MAIL RT, HOUSTON, 77039 281-449-0111
Advisor Insurance Group Llc Travelers 13831 NW FWY STE 350, HOUSTON, 77040 713-688-1660
John R Ray & Sons Inc Travelers 9525 Katy Fwy, Ste 315, Houston, 77024 None
Twfg Insurance Services None 1800 Bering Ste 940, Houston, 77057 None

Houston, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$70 $1,658
Driver's Failure In Showing Documents +$154 $1,742
Driving With An Expired Registration +$164 $1,752
Driving At A Considerably Slow Pace +$345 $1,933
Using A Cellphone While Driving +$364 $1,952
Running A Red Light +$370 $1,958
Speeding +$389 $1,977
Driving A Vehicle Without The Required Permission +$494 $2,082
Driving With An Expired/Suspended License +$1,070 $2,658

Houston, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,524
Active Disabling Device $1,524
Tracking Device $1,493
Passive Disabling Device $1,477

Latest Auto Insurance Reviews in Houston, TX | Back to Top

Usaa
My car insurance is the same as my house insurance, and I've used them more than I've used house insurance. They have been quick and very easy to work with.
Farm Bureau
Farm Bureau has the best policies and prices in our area. They have plans that have good deductibles that meet my needs.
Progressive
I would definitely recommend Progressive for home insurance based on my experience with their cost, offerings, and customer service.
Usaa
I dislike the company. In fact, I am now actively looking to switch.
Usaa
I have nothing to dislike about USAA. Although you do have to be in the service or have a qualifying family member in the service to be able to use their products. So not everyone can utilize the services they have to offer.
Geico
GEICO's premium is pretty competitive for my location which tends to be high. I have priced my premium with other insurers and they are not able to compete with GEICO's prices.
State Farm
since I am technically on a family plan, my premium is the same as my fathers' who's is very low so because of that , I get to benefit from a very low premium.
Safeco Insurance
A good company that is quick to respond to my claims. I really haven't had an issue with them in the past. I like working with them.
Farm Bureau
So far there has been little to upset me. There were some initial communication issues but nothing too severe. Over all I can't complain.
Geico
We had Allstate for the last ten years or so. We were rear ended at a stop light twice and our rates were super high. No other insurance companies would even give us a quote because of the multiple accidents even though we were completely not at fault. Finally, the accidents got old enough to stop effecting us and we were able to switch companies which saved us almost $400 per month so I am very happy with Geico compared to Allstate in this regard but very unhappy that we were put into that position by no fault of our own.
State Farm
I wish the bundling prices and good driver discounts were better. I have been a loyal customer for almost 10 years, and I wish my premium reflected that.
Mercury
What I hate about the company I doubt is unique to the company, more like insurance as a whole. I don't like hos expensive it is when you neevr use it. I don't liek the random increases when i'm not changing my policy. Just this month my bill went up from 118 to 180 for no reason! I live on a budget where i need to know about an increase like that before it happens so i can try to save money from somewhere else.