How Much Auto Insurance Costs in Houston, TX? 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 in Houston, TX.
How Much Auto Insurance Costs in Houston, TX? Texas premiums exceed the national average of 27%, which is why this country is known for its high tariffs. Premiums run higher in the city, so if you insure vehicles in Houston, saving is very important. We have analyzed how auto insurance rates in Houston are compared to national costs.Auto Insurance Costs: Houston vs. National / Country Average:
- City Average: $2,133
- Country Average: $1,810
- National average: $1,427
Houston Auto Insurance based on Gender and Marriage Status
Auto insurance premiums in Houston can be influenced by driver characteristics such as marital status and gender. However, women have premiums which are only slightly cheaper than for men.Did you know that in a city marital status you can actually change your premium substantially? Being single, as opposed to getting married, can cost you $220 more per year on auto insurance. Rates for widows are also much cheaper than the rates for those who are single.
Houston Automobile Insurance Premiums by Status and Gender
| Marital Status/Gender | Average Rate |
|---|---|
| Female | $2,114 |
| Male | $2,133 |
| Single | $2,133 |
| Married | $1,913 |
| Divorced | $2,133 |
| Widowed | $1,934 |
Houston Auto Insurance for High Risk Drivers
Having a history of driving that is not tarnished is very important to keep insurance premium prices at a minimum. Wrong accidents with more than $2,000 damage will increase your auto insurance premium more than other driving violations.No one plans to have an accident, but things happen, so be aware of the effects that can occur on your price. $1,077 is what you can expect to add to your annual insurance premium in Houston if you have a wrong accident on your driving record. $886 is an additional annual fee for drivers with DUI in Houston, compared to the city average of $2,133.
Driving carelessly will also drive your prices up, with an average rate of $2,942, which is 38% higher than the city average.
Average Price of Houston Insurance after Abuse or Accident
| Incident/Violation | Average Insurance Rate |
|---|---|
| DUI/DWI | $3,019 |
| Reckless Driving | $2,942 |
| At-fault Accident (damages less than $1,000) | $3,210 |
| At-fault Accident (damages greater than $2,000) | $3,210 |
| Speeding Ticket (16-20 mph over speed limit) | $2,227 |
Houston Auto Insurance premiums based on Age
When drivers reach their 20s in Houston, because they move from the teen age group, they pay $4,382 lower in premiums, the biggest difference between age groups.In Houston, turning 60 means an increase in insurance rates. Until then, the transition from one age group to the next age group meant a decline in prices.
The highest auto insurance premium for teenage drivers, with payments averaging $6,974 per year. Drivers in their 50s save money on premiums, because they have the smallest rate among all age groups, paying only $1,816 per year. However, those in their 60s ($1,899) don't pay more.
Houston Automobile Insurance Premium by Driver Age
| Age | Average Rate |
|---|---|
| Teenagers | $6,974 |
| 20s | $2,592 |
| 30s | $2,100 |
| 40s | $2,031 |
| 50s | $1,816 |
| 60s | $1,899 |
| 70s | $2,367 |
Houston Auto Insurance based on Credit Ratings
People with Very Bad credit (300-579) usually pay more than double each year for auto insurance than those who have Extraordinary credit (800-850).The most prominent benefits of better credit came from the increase from Very Poor (300-579) to Fair (580-669), where drivers could save nearly $440 per year.
Guaranteed Houston Tier Credit Cars
| Credit | Average Car Insurance Rate |
|---|---|
| Very Poor | $3,735 |
| Fair | $3,160 |
| Good | $2,619 |
| Very Good | $2,207 |
| Exceptional | $1,767 |
What raised auto insurance rates in Houston?
- Houston expensive Zip Code: 77201, 77011, 77016, 77076, 77078
- Cheap Houston Postal Code: 77095, 77070, 77005, 77339, 77489
So, if you find yourself in an environment that doesn't suit other people, a auto insurance company might think you are at high risk of being insured, which means: your rate can be higher than the rate of friends who live around the block.
And, unfortunately, Houston is no exception to the rules. From postal code 77095 to 77078, premiums rose 22 percent - that was $326.
How Much Auto Insurance Costs in Houston, TX?.
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