Houston Neighborhood Auto Insurance Rates by ZIP code rated for 5 star by Get Auto Insurance in Houston for our United States readers, especially for you at Houston, TX, USA. Get Auto Insurance in Houston help you get free online car auto insurance quote comparisons by save your time to getting auto insurance quotes with one form for instant compare rates from over 5 auto insurance companies in Houston, Texas.

Auto Insurance rates in Houston by zip code.

Houston Neighborhood Auto Insurance Rates by ZIP code. The following are the results of auto insurance rates analysts from six auto insurance companies for almost every ZIP code in Texas. Here's a comparison of the highest Houston average rates ($1,659) for ZIP 77076 compared to the others:

$578 more than the cheapest average rate ($1,081) in code ZIP 76901, Grape Creek.
$359 more than the state average ($1,300)
$304 more than the national average ($1,355)

And here are 12 of the most expensive ZIP codes for auto insurance in Houston. You will see how much you can save by comparing auto insurance companies.

The average of auto insurance rates in Houston and surrounding areas are based on ZIP codes

ZIP code	Average rate	Highest rate	Lowest rate
77076	$1,659	$2,706	$1,085
77093	$1,654	$2,701	$1,108
77016	$1,648	$2,731	$1,065
77020	$1,645	$2,867	$1,068
77022	$1,637	$2,706	$1,085
77078	$1,635	$2,731	$1,086
77028	$1,629	$2,867	$1,053
77011	$1,629	$2,867	$1,045
77091	$1,626	$2,706	$1,047
77038	$1,623	$2,635	$1,071
77204	$1,623	$2,706	$1,029
77050	$1,618	$2,710	$1,055

* The rates methodology is based on the ZIP code: according to Quadrant Information Services for the 2016 Honda Accord type auto insurance rates from six major automobile insurance operators - Allstate, Farmers, GEICO, National, Progressive and State Farm. (In cases where insurance company rates are not available, other major operator rates are replaced.)

The average is based on insurance for 40-year-old single men who travel 12 miles to work every day, with a policy limit of 100/300 / 100 ($100,000 for injury responsibility for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and $500 deductible from collisions and comprehensive protection.

This hypothetical driver has good credit and a clean record.

Prices include coverage of uninsured motorized vehicles. Average rates for comparison purposes. Your own value will depend on your personal and vehicle factors.

Cheap auto insurance in Houston

The limit of the lowest liability auto insurance offered by your insurance company is the cheapest policy that you can buy.

This will be the minimum required to drive legally. In Texas, (written as 30/60/25), that means your auto insurance will pay up to:

$30,000 for injuries that you cause to others
$60,000 per accident
$25,000 for damage you cause to other people's cars and property

The best auto insurance in Houston

The best coverage of auto insurance is usually not the cheapest. You can be sued if you have an accident and your insurance does not cover all damage.

That means your home or savings can be in danger. To protect your assets, you must purchase liability insurance in the following amounts:

$100,000 to pay other people's medical bills
$300,000 to pay injury to others in the accident that you caused
$100,000 to pay for damage to other people's property

You should also consider purchasing this optional coverage:

Comprehensive, which replaces stolen cars and includes damage to your car from floods, fires, hail, vandalism.
Collision, which pays for damage to your car from an accident.

If you have a newer model car, it makes sense to get comprehensive insurance and collision protection. In Texas, a comprehensive fee of $199 and a collision fee of $358, on average per year, according to the Insurance Information Agency.

This optional coverage comes with deductibles. That's the amount you will pay before your insurance company pays. Common deductible amounts are $1,000, $500 and $250 - you choose which one you want. The higher the deductible, the lower your value.

The state average rate for a minimum annual coverage is $465, according to our exchange rate analysis. If you increase your coverage to 50/100/50, you will pay only $23 more a year.

You can get full coverage (100/300/100) by paying $70 more per month, or an additional $839 a year more than the minimum level coverage.

Driving in Houston

Traffic in Houston: Cities and nearby areas are fourth for the country's worst traffic in a recent report by USA Today, which noted that drivers spend around 58 hours a year trapped in traffic.

Car accidents: Major accidents have resulted in an average of 180 deaths per year in recent years (2012-2014).

Commuting: The average trip in Houston lasts 27 minutes.

Public transportation: U.S. Census Bureau said that the majority of motorists in Houston who go to work with white public transportation (around 16 percent), Hispanics (around 41 percent) and blacks (around 37 percent). The Bureau noted that traveling is the main reason people switch to mass transit.

High Residential Vehicle Rules: The HOV line, also known as a carpool or diamond lane, is designed to reduce traffic congestion and promote travel sharing on the highway. In Texas, only vehicles with at least two people, mass transit vehicles such as buses, and motorbikes are allowed to use the lane. Use can be limited during certain hours.

Smog rules: Texas requires Houston residents with vehicles aged two to 24 years to carry out emission testing every year as part of the registration process. New Houston residents must have a vehicle tested within 30 days after moving to the city to register it.

Bad intersection: The Genoa Red Bluff Road and Beltway 8 meeting is consistently referred to as the worst intersection in the Houston area.

This information was collected from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A & M Transportation Institute, the Insurance Institute for Highway Safety, the state transportation department and the city police department.

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