How much is car insurance in Houston?

Texas is a huge state, the largest in southern United States! Everything is bigger in the Lone Star state and as the biggest state in the south, you’ll likely need a car. Insuring that car is a requirement by law in the state of Texas.

How are Insurance Premiums Calculated?

Insurance premiums are calculated considering a variety of factors. There isn’t one set price for car insurance in Houston. When calculating premiums, insurance companies evaluate: personal info- credit, location, discounts, vehicle type, etc. Because this varies from person to person, you may pay a different premium than your cousin that lives in the same city, 10 minutes away.

Texas state insurance requirements are: 30/60/25. What does this mean? The required limits are broken down like this:

$30K for bodily injury of any 1 person in any 1 accident

$60K for bodily injury of any 2 or more persons in any 1 accident- $30K per person

$25K for injury to or total loss of property of others in an accident.

These are the minimum requirements for car insurance in Houston. There are options for higher limits. An insurance agent can assist with that.

Is Car Insurance Expensive in Houston?

Drivers in the state of Texas pay premiums higher than the national average. According to Quote Wizard, the average cost of car insurance in the state of Texas is $934.22 per year. The national average for car insurance is $889.01 per year.

Unfortunately, the answer is yes. Houston isn’t the most expensive location for car insurance. Michigan ranked #1 for the 5^th time. Much of the reason that Texans pay higher insurance premiums is due to the number of natural disasters that Texans experience.

So, How Much is Car Insurance in Houston?

Quote Wizard provided the statistics shown above. It appears that women in Houston pay rates higher than both the Texas average and national average. Men pay below state average, but still higher than national average.