Cheapest Car Insurance In Houston

Insurance For Homeowners And Renters

• Homeowners insurance: With the right policy, you can cover damage to your homes structure and the items inside, whether caused by theft, fire, or the infamous New England weather.
• Condo insurance: Secure protection against potential liabilities and expenses incurred inside your unit to be prepared for unexpected circumstances like fire, water damage, vandalism, and more.
• Renters insurance: When an unexpected accident occurs in your rented home, it pays to be prepared with the right policy in place that will cover your possessions, medical expenses, and liabilities relating to guest injuries.
• Flood insurance and earthquake insurance: Damage from these natural disasters is not covered in standard homeowners policies, but its smart to have this coverage, as floods and earthquakes are unpredictable.
• Other types of coverage: Insure valuable collections, jewelry, firearms, and much more with replacement cost insurance and cover any uninsured liability with an umbrella policy.

Auto Insurance Coverage Types

Most drivers do not consider car insurance unless they are forced to. Most people buy car insurance without giving it much thought or knowing exactly what their policy covers.

In Texas, drivers are responsible for the costs of any collisions they cause. If another driver causes a collision that results in injury, the victim may be eligible to seek compensation through a personal injury or wrongful death claim.

The majority of people buy car insurance to cover the costs of causing a collision. In reality, Texas law mandates that all motorists carry liability insurance. When an insured’s negligence or misconduct results in personal injury or property damage, the insured’s coverage may offer reimbursement for the following costs:

• Medical and funeral costs, lost wages, compensation for pain and suffering
• Car repair or replacement costs
• The cost of a car rental

Even though Texas law only mandates liability coverage, many insurance firms employ a standardized policy called the Texas Personal Automobile Policy, which includes eight different categories of coverage:

• Personal injury protection coverage
• Uninsured/underinsured motorist coverage

Many Texas drivers choose to carry some of the Texas Personal Automobile Policy’s optional coverages.

Car Insurance Discounts In Texas

You can get the cheapest car insurance in Texas through discounts. Your Texas quotesof car insurance might be on the higher side but once you activate the following discounts you will be eligible for cheap insurance in Texas. Some insurers offer an annual discount on the prepayment of your premium. Here are several more auto insurances offers that could be made available from some of the best insurance companies in Texas.

See what you could save on auto insurance

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Car Insurance Quotes From Multiple Texas Car Insurance Companies

Itâs important that you shop around and not just settle for the first car insurance provider you come across. Make sure you get car insurance quotes from various car insurance companies, both businesses local to Texas and national providers.

No matter what your driving record or other personal factors look like, you can find the cheapest option out there. But also do not settle for any car insurance company just because they have the cheapest rates.

You want to make sure you are getting substantial coverage, or else you are practically paying for nothing. Being a smart and patient car insurance shopper will pay off.

Cheapest Car Insurance For Drivers With A Speeding Ticket In Houston

State Farm has the cheapest auto insurance in Houston for most drivers with a speeding ticket on their records at an average rate of $278 a month. Houston drivers with ties to the military should find even cheaper car insurance rates from USAA, though, at an average rate of $150 a month.

Teen drivers almost always pay more for car insurance than older drivers. Insurance companies consider teen drivers high risk due to their lack of experience behind the wheel.

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The Cheapest Car Insurance In Houston

As the fourth-largest city in the country, Houston is a thriving area with its busy roads and highways full of drivers coming and going. Its a lively junction found near the Gulf of Mexico and Galveston Bay with more than 2 million residents who call the Magnolia City home.

With so much ground to cover, the price of auto insurance can vary significantly from place to place, so the cheap auto insurance companies in Houston may not be the same elsewhere. Still, locals have a few options when it comes to the cheapest auto insurance Houston has to offer.

Cheapest Houston Auto Insurance Companies In 2022

The best way to find the cheapest car insurance in Houston while still maintaining sufficient coverage limits is to shop around and get quotes from at least five carriers. Every carrier sets its own rates based on internal risk analysis, so the exact same coverage for the same vehicle and driver will vary across carriers.

At TGS Insurance Agency, our five cheapest Houston auto insurance companies for full coverage auto insurance are Progressive, Mercury, Travelers, Safeco, and Allstate.

While these carriers have been the cheapest for the most customers, they are only five of the companies we represent. Various carriers have insurance catered to drivers with specific situations, such as high-risk drivers with multiple citations. But again, the best way to assure you are getting the best policy is to shop around.

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Average Car Insurance Cost In Houston And Texas

Rates across Texas differ from those in Houston for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallets most recent analysis, the average rate in Texas is $1,717, while in Houston, it’s $2,042.

No matter what company you’re currently getting auto insurance from, remember that it’s important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average Car Insurance Cost In Houston By Coverage Limits

In Houston, the average car insurance rates based on coverage types are as follows:

• State minimum coverage: $675 per year
• Liability only coverage: $863 per year
• Full coverage: $2,226 per year
• Non-owners coverage: $528 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you dont own a car but borrow or rent one frequently.

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Cheapest Car Insurance Companies In Houston

The biggest variable in your insurance cost will be the company you choose, so youll want to shop around to be confident youre 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 NerdWallets most recent analysis. It’s important to remember that rates are determined individually, so these may not be the cheapest companies for you.

If youre looking for cheap car insurance in Houston, Texas, youll 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. Thats why shopping around is your best bet to getting the cheapest car insurance in Houston or anywhere.

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Who Has The Best Cheap Car Insurance In Houston

• Best Large Insurance Carrier: GEICO – Every single source showed GEICO as the price leader. USAA has better rates, but is only available for current or former military members and their families. Texas Farm Bureau also undercuts Geico in some situations, but is only a regional carrier.

• Cheapest Insurance from a Smaller Carrier: Texas Farm Bureau – The regional carrier actually undercuts many of the big boys in the Houston area.

• Cheapest Insurance with One Accident: Texas Farm Bureau – Though youll pay more with an accident across the board, Texas Farm Bureau is the best for people whove been in an at-fault crash.

• Cheapest Insurance for Higher Mileage: GEICO – The large national insurance carrier dominates the list of cheapest insurance in the state of Houston if youre not current or former military.

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What Are The Required Insurance Needs Of Texas Drivers

To legally drive in Texas, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.

Monthly Average Rates By Country State And City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Houston typically pay around $139.09 per month compared to the national average of $140.66 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

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Texas Car Insurance Discounts

Itâs vital that you ask your insurance agent about any discounts you qualify for. Insurance providers offer numerous discounts to help get you the cheapest annual premiums.

For those with clean driving records, good drivers discount can be very helpful. Some providers also offer breaks if you are a homeowner. Bundling policies is a great way to save on auto insurance rates as well.

Pretty much no matter what your driving record looks like, there are at least one or two discounts available for you to get the cheapest premiums possible.

Average Cost Of Car Insurance In Houstons Largest Zip Codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallets analysis, here are the most populated ZIP codes in Houston and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

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Car Insurance In Houston Tx

From its southern perch, Houston is a city that experiences regular inclement weather each year, including the occasional hurricane or tropical storm. There is a lot of rain, so between weather-related issues and the sheer number of drivers on the road, car insurance in Houston can bring higher risk than other cities with fewer residents and fewer road hazards.

How Can You Get Car Insurance Discounts In Houston

We have an exhaustive story on the tens of thousands of discount programs available for insurers across the country, based on memberships, military service, and other associations. Several carriers in the Houston area give discounts for multiple policies, safe driving, good grades , solid credit scores, and more.

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Cheapest Car Insurance After An At

As is with the case with speeding tickets and DUI convictions in Texas, being found to be at fault for a car accident will increase a drivers car insurance costs. The increase after an accident typically only sticks around for three to five years, but it still will be significant for your budget.

When it comes to the cheapest car insurance in Texas for drivers with an at-fault accident on their record, a policy can average around $1,200-$2,100 per year.

Some reports have found that Texas car insurance coverage for drivers with an accident on their record can reach the $2,500 range annually.

Be mindful when shopping for cheap coverage in Texas in you have an accident on your driving history. It may not be the easiest to come across due to your less-than-stellar driving record.

The good news is your rates will most likely not be expensive forever so long as you stay accident and claims-free following your initial accident.

Nissan Sentra Insurance Rates

In Houston, the most affordable auto insurance rates on a 2022 Nissan Sentra are on the S trim level, costing an average of $1,520 per year, or around $127 per month. This model stickers at $19,510.

The most expensive 2022 Nissan Sentra trim level to insure in Houston is the SR Premium model, costing an average of $1,654 per year, or about $138 per month. The retail cost for this model is $24,570, not including destination charges and documentation fees.

When Houston insurance rates for a Nissan Sentra are compared to the average cost for the entire U.S. for the same model, the cost is $90 to $98 less per year in Houston, depending on the trim level being insured.

On a monthly basis, full-coverage insurance on a 2022 Nissan Sentra for a good driver can cost from $127 to $138 per month, depending on exact policy limits and your Zip Code in Houston.

The rate chart below should be a good visualization how the prices of car insurance on a Nissan Sentra can be significantly different based on an assortment of driver ages and common risk profiles. For our example drivers, cost varies from $1,312 to $3,534 per year, which is a cost difference of $2,222.

The Nissan Sentra is part of the compact car segment, and other similar models that are popular in Houston include the Volkswagen Jetta, Chevrolet Cruze, Hyundai Elantra, and Toyota Corolla.

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Different Types Of Tx Car Insurance For Houston Drivers

People often get hung up when going through the quote process for Texas auto insurance. They start their insurance quote and find themselves looking at all types of coverages, and it’s not clear what’s essential and what’s not. Terms like comprehensive and liability pop up. And how do deductibles factor into everything? Though vehicle insurance laws vary by state, there are a couple of coverages that offer benefits to all kinds of people.

Liability coverage is one of the easiest to understand. If you cause an accident on the road, your auto policy’s liability coverage will pay for the other vehicle to get fixed. Bodily injury liability is another commonplace coverage. Again, let’s say you cause an auto accident. Your bodily injury liability coverage would help cover the medical costs of folks in the other car. But neither one of these insurance coverages would help pay for damages to your vehicle or any medical bills you might get stuck with after an accident. Comprehensive, collision, and med pay would, though! These three coverages tend to be optional. You aren’t required to get them unless your car is leased or financed. We know Texas car insurance requirements and our friendly local agents can shop for you to get the coverage and the flexible payments you need.

How To Get Cheap Car Insurance In Houston Tx

Because Houston is such a large city, drivers pay a lot for car insurance. But, many companies offer discounts as a way to save money. Here are some of the most common:

• Multi-Line discount: Savings for bundling home and car insurance with the same company.

• Military discount: A discount for active-duty service members and their families.

• Good student discount: A discount for high school drivers who maintain a B average or better.

• Safe driver discount: For drivers who maintain a good driving record or take a defensive driving course.

• Low mileage discount: For drivers who drive less than 7,500 miles a year.

Not everyone will qualify for these discounts, so be sure and ask your provider about other ways to lower your insurance costs.

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Cheapest Company In Houston For Full Coverage Insurance

Loya, State Farm and Geico have the cheapest minimum and full coverage policies, costing less than $2,000 annually.

Drivers who are interested in switching from a minimum policy to a full coverage policy will see the smallest price jump with Loya. Loyas full coverage policy is $444 more expensive on average than its minimum policy.

USAA had one of the cheapest full coverage policies, averaging $1,496 per year, but the company only insures qualified military members and their family members.

*USAA is only available to current and former military members and their families.

A full coverage policy can cost as much as three times more than a minimum policy. Paying more for a full coverage policy means that you not only meet the state insurance requirements but you will also receive comprehensive and collision coverage.

Comprehensive

Protects against “acts of God” or damage caused by circumstances out of your control, including storms, vandalism and falling

Collision

Protects you in cases where you crash your car into another object, or your car flips over or is driven into a ditch

If you have a car that is less than 10 years old or an expensive car worth more than $3,000, full coverage is recommended. Comprehensive covers situations that are unpredictable and out of your control, while collision covers some of the most common ways your vehicle can receive damage.