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.
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 Rates
- Houston, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Houston, TX
- Multi Vehicle Insurance Savings in Houston, TX
- How Credit Score Affects Car Insurance Rates in Houston, TX
- How DUI Affects Auto Insurance Premiums in Houston, TX
- Top Auto Insurance Agents Near Houston, TX
- How Driving Violations Affect Auto Insurance Rates in Houston, TX
- Houston, TX Auto Insurance Discounts on Anti Theft Feature
- Houston, TX Auto Insurance Company Reviews
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
UsaaMy 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 BureauFarm Bureau has the best policies and prices in our area. They have plans that have good deductibles that meet my needs.
ProgressiveI would definitely recommend Progressive for home insurance based on my experience with their cost, offerings, and customer service.
UsaaI dislike the company. In fact, I am now actively looking to switch.
UsaaI 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.
GeicoGEICO'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 Farmsince 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 InsuranceA 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 BureauSo far there has been little to upset me. There were some initial communication issues but nothing too severe. Over all I can't complain.
GeicoWe 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 FarmI 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.
MercuryWhat 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.