Cheap Auto Insurance Quotes Houston

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Cheap Auto Insurance Quotes Houston

Cheap Auto Insurance Quotes Houston

Tips for Finding Cheap Auto Insurance Quotes in Houston:

Driving on the Katy Freeway, which gets super wide with 26 lanes at Beltway 8, shows why Houston is known for being a huge city where people heavily rely on cars. Lots of folks in Houston spend at least 30 minutes driving to work, and most of them drive alone. The busy roads in Houston might be why the average monthly car insurance bill is $232. Checking out different insurance companies could help you find a cheaper rate.

Even though most Houston drivers pay about $646 a year for the least amount of required car insurance and $2,219 for full coverage, you might find a cheaper option. Study has found that State Farm, Geico, Esurance, Mercury, and USAA are the cheapest insurers in the city. The insurance experts analyze these choices to help you  start your search for affordable car insurance in Houston.

If you are trying to spend less on car insurance in Houston, you are in luck.  This is your go-to guide for finding cheap auto insurance quotes in Houston. It doesn’t matter if you are a new driver or someone who is lived for ages and wants to save money, this article got everything you need. Take a look at the helpful resource to discover the top deals and tips for getting affordable auto insurance quotes in Houston.

Read: Cheap car Insurance Quote Near Me

How Much Auto Insurance You Need In Houston

In Texas, all drivers have to have at least a basic level of car insurance. This includes two main types: bodily injury liability and property damage liability. Bodily injury liability helps pay for expenses if you cause an accident that injures someone else. It covers medical bills, lost wages, and legal fees if you end up in court. Texas law says you need at least:

  • $30,000 for each injured person
  • $60,000 total for each accident

Property damage liability helps cover costs if you damage someone else’s property, like their car, in an accident. In Houston, you are required to have at least:

  • $25,000 for property damage

These amounts are the minimum required by the state. But it might be a good idea to consider getting more coverage. Minimum coverage might not be enough if you are in a serious accident. Also, if you are leasing or financing a car, the company you are working with might ask for extra coverage.

Which Are The Best Companies That Offers Cheap Auto Insurance Quotes In Houston

Based on information from Quadrant Information Services, the top four (4) car insurance companies in Houston with the lowest average rates are State Farm, Geico, and Mercury. This special rating system doesn’t just consider prices but also examines possible discounts, coverage choices, policy features, how easy it is to reach the company, and additional data like customer satisfaction scores from J.D. Power Auto Insurance Study and financial strength ratings from AM Best.

  • Cheap Auto Insurance Quotes From State Farm In Houston:

State Farm stands out not just for its affordability in providing full coverage car insurance in Houston, but also for its impressive score of 4.2. In Houston, it clinches the second spot for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Insurance Study, suggesting it is a great choice for those who prioritize a positive customer experience.

State Farm could be particularly appealing for young drivers, as it offers various discounts and savings through programs like Steer Clear, tailored for teen drivers. However, it’s important to note that State Farm doesn’t offer gap insurance, which might be a drawback for owners of new vehicles.

  • Cheap Auto Insurance Quotes From Geico In Houston:

Geico boasts an even higher score and provides some of the most cheap average rates for both minimum and full coverage in Houston. With a wide range of potential discounts, Geico offers opportunities for many drivers to keep their rates affordable, even if they require additional coverage.

However, Geico falls behind with a below-average ranking in the Texas J.D. Power study for overall customer satisfaction. Hence, for customers prioritizing a positive customer experience, Geico might not be the optimal choice.

  • Cheap Auto Insurance Quotes From Mercury In Houston:

While Mercury may not be as widely recognized as other car insurance companies listed, it remains a viable option for Houston drivers seeking affordable average rates and various optional endorsements like rental car, roadside assistance, and ride-hailing coverage.

Mercury does not provide gap insurance, making it potentially less suitable for drivers who recently bought and financed a new car.

  • Cheap Auto Insurance Quotes From USAA In Houston:

USAA stands out with a solid score, low average rates, and the highest J.D. Power score in Texas for customer satisfaction, making it a top contender for the best car insurance in Houston for certain drivers.

Although it doesn’t receive an official ranking from J.D. Power due to its eligibility restrictions, limited to current and former service members and their eligible immediate families, USAA consistently earns high praise from J.D. Power.

This makes it a promising choice, especially for National Guard members or those stationed at Joint Reserve Base Ellington, who prioritize excellent customer service and military-tailored coverage.

  • Cheap Auto Insurance Quotes From Nationwide In Houston:

Nationwide provides policies that are highly customizable, catering to the preferences of Houston drivers who seek features such as accident forgiveness or a vanishing deductible. While its rates for minimum coverage slightly exceed the Houston average, its full coverage rates remain lower than what many residents typically pay.

Nationwide wasn’t evaluated in the Texas region by the J.D. Power Auto Insurance Study, but it is important to mention that it received a below-average score in J.D. Power’s Claims Satisfaction Study. Therefore, for drivers who prioritize excellent customer service, Nationwide might not be the optimal choice.

What Is The Minimum Car Insurance Coverage In Houston

A minimum-coverage policy fulfills Houston’s demands for liability insurance. In this analysis, Texas Farm Bureau emerges as the most economical option among the companies studied, with an average annual rate of $988 for minimum-coverage car insurance. Conversely, Farmers displays the highest sample rate, averaging $3,762 annually. Overall, the average yearly cost for minimum coverage across the city stands at $1,992.

  • Texas Farm Bureau: $988 for low coverage
  • State Farm: $1,127 for low coverage
  • USAA: $1,486 for low coverage
  • Geico: $1,533 for low coverage
  • Mercury: $1,770 for low coverage

How Much Is A Premium Coverage Car Insurance In Houston

The cost of insurance rises with higher levels of coverage, providing increased protection. Texas Farm Bureau boasts the most affordable average rate for high coverage, standing at $1,080 annually. Conversely, Farmers exhibits the highest sample premium at $4,541 per year. On average, high-coverage plans in Houston amount to $2,230 per annum. Below is a comparison of high coverage rates among various insurance companies:

  • Texas Farm Bureau offers high coverage at an annual rate of $1,080.
  • State Farm provides high coverage at $1,275 per year.
  • USAA offers high coverage at an annual rate of $1,696.
  • National General’s high coverage plan costs $1,702 per year.
  • Geico offers high coverage at a rate of $1,935 annually.

Also Read: Geico Truck Insurance Quote

How To Find A Cheap Auto Insurance Quotes Houston

Discovering the most affordable car insurance in Houston hinges on variables such as your driving record, age, ZIP code, and coverage requirements. Nevertheless, you retain influence over certain aspects to reduce your expenses by adhering to the following:

Keep A Clean Driving Record:

  • Try to avoid violations and speeding tickets to obtain the cheapest car insurance rates insurers have to offer.

Improve Your Credit Score:

  • Car insurance companies in Texas may look at your credit to determine, in part, your likelihood of filing an insurance claim. If you have a high credit score, you are less likely to file a claim and will usually pay a lower premium. If you have a low credit score, you’re statistically more likely to file a claim and will pay a higher premium.

Ask About Discounts:

  • Insurers offer a variety of discounts for coverage, including discounts for bundling auto insurance with homeowners insurance, owning a car with anti-theft and safety protection, and remaining accident-free.

Shop Around:

  • Consider shopping around and gathering quotes from at least three different insurers to make sure you’re getting the best rate.

Finding cheap car insurance in Houston depends on different things like how you drive, how old you are, where you live, and what kind of coverage you want. Even though some of these things might seem like you can’t change them, you can still do things to help lower your costs. If you think about what you need and know what choices you have, you can find the best price for your insurance. Visit the official Website of any Insurance Company For More Details.

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