Car insurance rates in Houston can vary greatly depending on the coverage you need, your driving record, and the insurance provider you choose. Research by Way.com has analyzed millions of rate averages from ZIP codes across the U.S. to give drivers a clearer picture of auto insurance costs in Houston.
Cheapest Liability Insurance in Houston
If you’re just looking to meet Houston’s minimum car insurance requirements, liability-only insurance is often the most affordable option. The following companies offer the lowest rates for liability coverage in the city:
Texas Farm Bureau: $48 per month
Mercury: $51 per month
USAA: $58 per month
State Farm: $60 per month
Progressive: $64 per month
Cheapest Full Coverage Insurance in Houston
Full coverage insurance combines liability, comprehensive, and collision insurance, providing more protection than basic liability. If you’re looking for more coverage, here are the cheapest options in Houston:
Texas Farm Bureau: $122 per month
AAA Texas: $147 per month
State Farm: $149 per month
National General: $168 per month
USAA: $171 per month
How Traffic Violations Impact Car Insurance Rates
In Houston, traffic violations can lead to significant increases in your car insurance premiums. The extent of the increase varies based on the violation, your insurance provider, and local regulations. Minor violations, such as speeding, may only cause a small increase, while more serious offenses, like DUIs, can cause your rates to skyrocket.
Here’s a breakdown of how common traffic violations affect average auto insurance rates in Houston:
No violation: $274 per month
Not-at-fault accident: $293 per month
Failure to wear a seatbelt: $315 per month
Speeding 6-10 MPH over limit: $314 per month
Speeding 21-25 MPH over limit: $318 per month
DUI: $442 per month
Reckless driving: $411 per month
Driving with a suspended license: $389 per month
Leaving the scene of an accident (hit and run): $422 per month
Conclusion
Choosing the right car insurance provider in Houston can save you money, but your rates will also depend on your driving history. Violations can significantly increase your premiums, especially for offenses like DUIs or reckless driving. Understanding the pricing trends and how traffic violations impact your insurance will help you make better decisions when selecting coverage.
