Car Insurance In Houston, Texas (2021)

Car Insurance In Houston

What Is The Average Car Insurance In Houston?

The average car insurance in Houston is around $1,671 for car insurance. Houston is the largest city in Texas. The average insurance in Texas is around $1,415, the national average car insurance rate is $1,548.


What Impacts Car Insurance In Houston?

Car Theft Rate

According to Neighborhoodscout  over 13,000 cars were stolen in Houston, TX.  Houston has a population of 2,310,000 and 5.68 stolen cars per 100 residents. The national average is 2.29 cars stolen per 100 residents.

The chance of getting your car stolen in Houston is almost 3 times higher than the national average.  

The high rate of car theft is a major contributor in  car insurance in Houston being average rates being 8% higher than the state average

Fatality Rate

The fatality rates are also a major factor which impacts the car insurance rates of your ZIP or city.

Crime Rate

Overall crime is much higher in Houston than the rest of the country. This also leads to the much higher car insurance costs compared to the rest of the state and country.


Car Insurance Rates By Age

 Age pays a big factor in how much you pay for car insurance. In Houston the age group that pays the lowest car insurance premiums are this in their 50s.  The average annual premium for drivers in their 50s is around $1,454 per year. Drivers in their 60s also pay below the average at $1,508 per year.


It is no surprise that teenage drivers pay the highest annual premiums. On average teenage drivers pay over $4,263 a year on car insurance. The largest drop in annual premiums occurs once drivers reach 20 years of age. Drivers in their 20s pay around $2,168 which is a savings of almost $2,100 per year


Car Insurance Rates By Marital Status & Gender


Marital status and gender can play a role in calculating your car insurance premiums.  In Houston married drivers pay the same as the single drivers.  In many parts of the country married drives pay less than single drivers. Even divorced or and widowed drivers surprisingly pay less than single drivers.


When it comes to the car insurance cost gap, female drivers in Houston pay on average $8 less on car insurance than male drivers. 



Car Insurance Rates By Driving Incidents 

One of the most important factors in determining how much you pay for your Houston car insurance is your driving history.  

You might not have control of where you live but you are in full control of how many tickets you get. Keeping a clean record can save you hundred of dollars on your car insurance. 

Houston drivers will pay an extra $919 per year for car insurance with 1 reckless driving charge.  An at fault accident with damages of $2,000 or more will cost you $876 more a year.

 Key Takeaways 

  • Keep a clean driving record
  • Add anti-theft devices if you live in an area with high car theft
  • Take advantage of age and marital status to get better car insurance rates
QuotesPilot content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation.