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Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a columnist for Lead Group and has written about the U.S. has written for numerous automotive news sites and advertising companies in Daniel is the leading authority on auto insurance, loans, warranty options, auto service and more.
Car Insurance Companies Near Me Open Today
Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a team editor with over 10 years of experience covering finance and insurance topics.
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The minimum cost of Houston car insurance is about 43% higher than the national average. If you are a Houston driver, it may be a good idea to compare rates from different companies when shopping for auto insurance.
To find the best car insurance companies, we at The Guides Group evaluated 43 different providers on a number of criteria, including business reputation, customer satisfaction and cost. This article will guide you in finding affordable Houston rates based on your driver profile.
Best car insurance in Texas Cheap car insurance in Texas, car insurance in Dallas, San Antonio, car insurance in Austin, Texas.
Guide Group is committed to providing reliable information to help you make the best decisions about your car insurance. Because consumers rely on us to provide objective and accurate information, we have developed an extensive rating system to compile our rankings of car insurance companies. We collected data from several car insurance providers to rate companies on a number of factors in the list. After 800 hours of research, the final result was an overall rating for each provider, with the insurance companies scoring the highest on the list.
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State Farm, Texas Farm Bureau, Geico, USAA and Allstate are our recommended options for car insurance in Houston. Not only do these insurance companies offer the lowest rates and average comprehensive coverage in town, they also boast excellent customer service records and a wide range of coverage options.
Unless otherwise stated, the price charts below show average prices for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
Our data shows that the minimum cost of insurance coverage in Houston is $74 per month, or an average of $893 per year. This is about 43% higher than the national average of $52 per month or $625 per year. Similarly, comprehensive auto insurance costs $224 per month or an average of $2,687 per year, which is about 34% more expensive than the national average of $167 per month or $2,008 per year for comprehensive insurance.
State Farm offers the cheapest credit insurance with average rates of $36 per month or $427 per year. Texas Farm Bureau Mutual is the second cheapest option in Houston with an average of $39 per month or $467 per year.
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Liability coverage is the minimum coverage required by the state of Texas. According to Texas law, all drivers must meet or exceed the following minimum requirements:
Comprehensive car insurance in Houston can be expensive. Comprehensive insurance includes liability and comprehensive insurance and collision insurance, which protects against damage to your vehicle in various situations. Texas Farm Bureau is the most affordable option with an average cost of $114 per month or $1,365 per year.
Car insurance rates can be affected by many factors, so the cheapest provider for one driver may not be the cheapest option for another. In this section, we’ll analyze the average cost of car insurance in Houston based on various criteria that insurance companies use to set rates, such as the driver’s age, driving history, zip code, and credit score.
Most insurers charge the highest car insurance premiums to teenagers because drivers in this age group have less driving experience and are more likely to behave unsafely behind the wheel. Our data shows that 16-year-olds pay $330 per month or $3,956 per year for car insurance in Houston.
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As drivers enter their 20s and move into middle age, they begin to see lower rates on car insurance. The chart below shows the lowest cost of auto insurance for various age groups in Houston.
Although youth car insurance is expensive, some insurance companies offer cheaper options than others. Our data shows that Redpoint is the cheapest car insurance company for teen drivers with premiums as low as $69 per month or $822 per year. Texas Farm Bureau, National Farm and Gecko also offer affordable rates to Houston youth.
In most areas, car insurance companies are allowed to use a driver’s credit score to determine the cost of their premiums. In Texas, drivers with poor credit scores experience higher car insurance costs, while drivers with good scores often pay less.
Our pricing data shows that Redpoint is the cheapest option for bad credit car insurance in Houston. The company offers a minimum coverage policy for drivers with bad credit for $69 per month or $822 a year. This is 8% lower than the national average for good credit.
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Drivers with a speeding ticket, wrong-way accident or DUI on their record should expect their car insurance rates to increase. On average, speeding can increase your rates by 18%, at-fault accidents by 67%, and DUIs by 50%.
However, average price increases vary among companies. Our research found that State Farm is the best option for policyholders with driving errors. The chart below shows the company’s average rates for drivers without a speeding ticket, accident or DUI on their record.
According to our data, State Farm offers the lowest rates to drivers with speeding tickets on their record – $36 per month or $427 per year. Texas Farm Bureau Mutual is close behind with a monthly average of $39, while Geico, USAA and Allstate Houston round out the top five choices for speeding ticket car insurance.
If you are found at fault in a car accident, your insurance company will certainly raise your rates. State Farm and Texas Farm Bureau are the cheapest options, with average rates of about $44 per month and $67 per month, respectively. Some car insurance companies charge more than this coverage after an accident.
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Getting a DUI is a serious crime that can increase your car insurance rates by several hundred dollars annually. The good news is that State Farm is a lot cheaper than other companies – it pays an average rate of $64 per month, or $771 per year, for drivers with a DUI. Redpoint, USAA, and Texas Farm are good options that average less than $89 per month.
The insurance rates you pay are affected by fluctuating rates of insurance claims, crime, traffic accidents and general population in different parts of the city. Below, you can see some zip codes in Houston that are 7.8% cheaper or 10.1% more expensive than the city average.
Although auto coverage in Houston is 43% more expensive than the national average, there are options to find affordable providers. By shopping around, Houston drivers can get competitive rates with State Farm, with coverage premiums as low as $36 per month. Through the Texas Farm Bureau, drivers can find affordable rates starting at $129 per month.
Our data shows that the minimum auto insurance policy in Houston costs $74 per month, or an average of $893 per year. If you want full coverage, you’ll pay an average of $224 per month, or $2,687 per year.
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Comprehensive car insurance in Houston is about 34% more expensive than the national average while mini-insurance is 43% more expensive than the national average. . Drivers spend more than $1,900 on car insurance in Austin, TX, higher than the national average of $1,449 per year.
But the cost of car insurance premiums can vary because there are many different factors to consider. These differences range from national trends to individual factors you can control and everything in between.
In Austin, TX, you should get adequate insurance for your car without paying high premiums from a top quality insurance company. Freedom Insurance Group helps Texas drivers find the best value for the right amount of coverage. Explore your options for cheap car insurance quotes and learn how to save without sacrificing coverage.
The average cost of car insurance in Austin, TX will be based on several factors. This includes things like your age, what you drive, and more. Here’s a breakdown of typical costs Austin residents can expect to pay for their monthly premiums:
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Yes, Austin drivers face many ways that increase their car insurance costs. From trends in Texas to local trends, there are many variables