Consider your driver profile and needs when shopping for the best auto insurance in Houston. To help your decision-making process, we’ve answered some commonly asked questions.
Best Car Insurance in Houston
Updated: December 16, 2024
Advertising & Editorial Disclosure
Key Takeaways
Chubb is the best overall car insurance company in Houston and has the top overall customer service reputation in the city.
Texas Farm Bureau has the best cheap car insurance in Houston with low rates starting at $31 per month.
AAA offers the most extensive add-on car insurance coverage selection in Houston.
Best Car Insurance Companies in Houston
| Chubb | 90 | 1,594 |
| Mercury | 75 | 1,274 |
| State Farm | 74 | 903 |
| Texas Farm Bureau | 73 | 664 |
| AAA Texas | 73 | 1,254 |
*Average annual rates presented are combined averages for both minimum and full coverage for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry.
Chubb: Best Car Insurance Customer Service in Houston
Chubb earned the title of the best car insurance customer service in Houston because it ranked first for overall customer satisfaction and claims satisfaction in our study. While the company is not the most affordable on our list, policies include additional coverages other companies don’t provide, such as replacement with OEM parts, rental reimbursement up to $15,000 and the ability to determine the value you want paid back to you in the event of a total loss.
| Young Drivers | $2,064 | $3,513 | 10 |
| Adult Drivers | $1,084 | $2,103 | 9 |
| Drivers with Speeding Ticket | $1,269 | $2,382 | 9 |
| Bad Credit Drivers | $2,079 | $3,903 | 9 |
| Senior Drivers | $1,069 | $1,930 | 8 |
| Drivers with DUI | $2,299 | $4,318 | 10 |
| Drivers with Accident | $1,756 | $3,296 | 9 |
Texas Farm Bureau: Best Cheap Car Insurance in Houston
By far, Texas Farm Bureau is the most affordable car insurance company in Houston, ranking first for almost every single driver category we studied. You can save even more with its usage-based program Drive'n Save and get up to 10% off for participating. It also earned the second-highest claims satisfaction score in our study.
| Young Drivers | $543 | $1,113 | 1 |
| Drivers with Speeding Ticket | $424 | $904 | 1 |
| Adult Drivers | $424 | $904 | 1 |
| Senior Drivers | $369 | $749 | 1 |
| Drivers with Accident | $727 | $1,493 | 1 |
| Drivers with DUI | $973 | $1,788 | 3 |
| Bad Credit Drivers | $902 | $2,020 | 2 |
AAA: Best Car Insurance Coverage Options in Houston
AAA of Texas had the largest number of coverage options in our study, with unique offerings such as non-owner policies, add-on pet coverage and warranty coverages. The company also offers much more extensive roadside assistance coverage than any other auto insurance company. Costs for vehicle insurance are average with AAA, but drivers with bad credit can find relatively affordable rates with the company.
| Young Drivers | $1,072 | $2,136 | 6 |
| Drivers with Speeding Ticket | $1,121 | $2,150 | 7 |
| Senior Drivers | $876 | $1,629 | 5 |
| Adult Drivers | $845 | $1,663 | 6 |
| Drivers with Accident | $1,261 | $2,387 | 5 |
| Bad Credit Drivers | $1,309 | $2,572 | 4 |
| Drivers with DUI | $1,323 | $2,494 | 6 |
How to Find the Best Car Insurance in Houston
While we’ve given you some of our top recommendations for car insurance in Houston, there are still steps you should take to see which company is truly the best for you. So below, we’ve broken down the key steps you should take in order to get the best deal.
Compare Multiple Providers
Figure Out What Coverage You Need
Companies and agents will often try to sell you the highest level of coverage possible to make the most money. However, going into your search with a coverage level in mind that you’ll actually need will help you to not get oversold and have an easy apples-to-apples comparison of prices. Use our car insurance coverage calculator to get started.
Research Average Costs
Understanding what the average costs are in your area for your particular driving profile and coverage level will give you the best idea of how much you’ll save. You can check out our average cost of car insurance in Texas article to learn more.
Take Advantage of Discounts
You can save up to 10% on auto insurance with most companies if you take a state-approved defensive driving course in Texas regardless of your driving profile. We also recommend researching the types of car insurance discounts to look for so you can understand which companies have ones that you qualify for.
Compare Multiple Providers
Comparing as many car insurance quotes as possible allows you to get the cheapest rates. Costs can even differ by the method you’re using for comparison, whether that be with a captive agent, online provider quote tools, an independent broker or an online comparison site. We also provide a car insurance cost calculator that can help you get an estimate from major companies and help you compare multiple quotes at once.
Best Car Insurance Houston: Bottom Line
Overall, Chubb, Mercury and State Farm are our top three best car insurance providers in Houston, Texas. If you are looking strictly for the most affordable car insurance in the city, Texas Farm Bureau will be your best option. Even so, we recommend that you shop around, find out what coverage is right for you and research costs for your profile to determine the best option for your unique situation.
Best Auto Insurance in Houston: FAQ
We have provided some of our expert answers to frequently asked questions regarding the top picks for car insurance in Houston:
Who is the most reputable car insurance company in Houston, TX?
Overall, we found that Chubb was the best overall car insurance company in Houston and had the highest customer service ratings in the city.
Who offers the cheapest car insurance in Houston?
Texas Farm Bureau offers the cheapest car insurance in Houston, with rates starting at $396 per year for minimum coverage and $749 for full coverage. Compared to the average in the state, you’ll save 62% on minimum coverage and 65% on full coverage policies.
How much does car insurance cost in Houston?
On average per month, car insurance in Houston costs around $86 for minimum coverage and $177 for full coverage. However, this only applies to 40-year-old drivers with good credit and no driving violations and rates can range anywhere from $33 to $1,244 per month, depending on your personal driving profile.
Best Car Insurance Companies in Houston: Our Methodology
MoneyGeek’s car insurance scoring system incorporates original research on provider rates, hand-collected data on available coverages and aggregated surveys on customer satisfaction and claims experience. Houston auto insurance rates are derived from MoneyGeek’s analysis of quotes data from Quadrant Information Services.
MoneyGeek’s Scoring System
We assessed Houston car insurance companies based on the factors that matter most to potential consumers, such as affordability, claims processing, essential coverages and customer satisfaction. We also evaluated financial stability to determine an insurer’s track record of paying claims.
Using our MoneyGeek scoring system, we assigned weights to each of these factors:
- Overall customer satisfaction (35%)
- Affordability (30%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
We adjusted affordability ratings as needed based on a sample driver’s driving record or age.
Qualitative judgments were made when specific providers offered coverages that competitors did not.
Houston Driver Profile
Our analysis incorporated quotes for a range of drivers, including teens and individuals in their 20s, 40s and 60s, all driving a 2012 Toyota Camry LE. Sample drivers in this guide have a clean driving record unless stated otherwise.
Coverage Levels in Houston
We gathered car insurance quotes for both minimum and full coverage policies. Minimum coverage policies adhered to the minimum requirements mandated by Texas law:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
We used the following limits for a full coverage policy:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.