Auto insurance in Houston Texas

The rates companies offer will vary from one company to another depending on several factors, which is why it is important to compare rates among several to get the best protection at the best price possible.

Texas Cities	Monthly Av. Rate
El Paso	$108
Austin	$115
Flower Mound	$116
Dallas	$119
San Antonio	$120
Houston	$138

Houston TX Auto Insurance Rates

The following tables only show an average of the premiums paid in Houston, Texas; it gives a general idea of what you could expect to pay monthly for your insurance.

Average Monthly Auto Insurance by Age

Age	Av. Premium
Under 18	$379
18-24	$114
25-34	$70
35-44	$58
45-54	$58
55-64	$50
65+	$51

 

Average Monthly Auto Insurance by Vehicle

Vehicle Age	Av. Premium
Less than 1 year	$56
2-3 Years	$78
4-5 Years	$86
6-7 Years	$72
8-10 Years	$76
11-14 Years	$73
15 Years or older	$69

 

Average Monthly Auto Insurance by Carrier

Rank	Company	Av. Monthly Rate
1	Progressive	$106
2	Allstate	$112
3	Travelers	$117
4	Kemper Auto	$121
5	Safeco	$132
6	Bristol West	$137
7	Infinity	$152
8	Gainsco	$221
9	Others	$233+

 

Average Monthly Auto Insurance by Housing Status

Status	Av. Monthly Premium
Own	$61
Rent	$56
Live with parents	$99

 

Average Monthly Auto Insurance by Relationship Status

Relationship	Av. Monthly Premium
Single (never married)	$83
Married	$61
Divorced	$60
Widowed	$52

 

Average Monthly Auto Insurance by Driving Record

Infractions	Av. Monthly Premium
1 Accident	$104
Multiple Accidents	$92
1 Ticket	$125
Multiple Tickets	$179

Freedom Insurance Group partners with top-rated insurance companies to provide the best protection for your home, auto, and other needs. Texans are diverse and as a driver, your needs are also diverse. It only makes sense to work with a variety of providers who can meet the needs of each motorist in different ways. By doing so, we can compare your rate and look for the best possible coverage, discounts, and bundling options.

Why is Houston Texas Auto Insurance So Costly?

If you observe that your auto insurance rates are progressively rising, you are not the only one. Generally, car insurance rates have amplified for everyone in the past few years. An analysis reveals the following things might be contributing towards it:

• Population density: After California, Texas is the second most populated state in the United States. So, majority of the people are residing in metropolitan areas that are fairly close to each other. The urban public in the United States accounts to be 80% of the population, while in Texas it is 84%. In general, metropolitan regions tend to pay more than rural areas for the car insurance. The reason is that there is greater driving risk in larger cities due to congested traffic, high risk of robbery and vandalism.
• More accidents: As metropolitans have a higher population, it implies more road traffic. In 2017, Texas recorded the greatest number of fatal accidents compared to other states. More accidents result in more claims, so insurance companies must account for these risks.
• High speed limits: Texas is known to have the fastest highway in the nation with an 85 MPH speed limit. Besides, it also has the hastiest average allowable speed of 75 MPH. Hence, it helped relieve traffic congestion between Austin and San Antonio. As the speed limits are high, the probability of accidents is also greater, that leads to greater liability payments from insurance companies.
• Uninsured drivers: The number of uninsured motorists in Texas is somewhat higher than the nationwide average. Almost 15% of the drivers drive without insurance even though it is obligatory in Texas, this impacts insured motorists and their rates as insurance companies face a greater risk of people filing uninsured drivers’ claims.
• Long travel time: A substantial percentage of Texans drive long distances to their workplaces and spend a lot of time in traffic. In Houston, more than 72% of the people drive to work with an average travel time of 26 minutes.
• Driving trends: Matched to other states, Texan residents are required to drive more. The drivers in metropolitan and rural regions opt for more car trips and have to drive more miles per capita. The more you drive, the greater insurance premium you have to pay. Greater time spent on roads mean that there is higher opportunity for a car accident.
• Higher minimum requirements: In Texas, the liability coverage is needed. If you are responsible for an accident, the liability coverage pays for the repairs for your car and other person’s car. Moreover, the medical expenditures are also covered. You must have at least $30,000 coverage for injuries per individual, $60,000 for injuries per accident, and $25,000 of coverage for property damage.
• Natural disaster: Texas is listed among top states of the US that are susceptible to natural disasters like storms, tornadoes, hurricanes, floods, and wildfires. After the Hurricane Harvey in 2017, auto insurance rates spiked by 8%. While it was also due to the factors mentioned above, the likelihood of natural disaster was also a major contributor.

The factors that each company will assess include, but are not limited to the following:

• Your age/experience driving.
• Where you live.
• Your driving records.
• Your claims history.
• The type of vehicle you need to insure.
• The coverage options you select and your deductible.

Car Insurance Discounts Explained

Customer Loyalty Discount

Insurers often offer discounts to long-term customers as a special reward.

· Potential savings: 2% – 10%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Customer Retention Discount

Before you switch to a new insurer, many insurance companies will give you a discount for a chance to keep your business.

· Potential Savings: Up to 10%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

New Customer Discount

Most insurers offer customers an initial bonus for switching their coverage from another insurance company. With Travelers, for example, you can save up to 10%, depending on how far in advance you buy your policy. To maximize your savings, make sure to get a quote before your previous policy is due to expire.

· Potential Savings: 5% – 15%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Continuously Insured Discount

You will save on premiums with most insurance companies if you can prove you’ve had insurance throughout the prior six months. For instance, the exact amount that you save at Progressive depends on how long you’ve been continuously insured.

· Potential Savings: 5% – 25%

· Major insurers offering this discount: Progressive and Travelers.

Billing Discount

Receiving all correspondence through email, paying online, agreeing to automated payments, and paying up front can all add up to significant discounts. For example, Allstate offers a large discount when you set up automatic deductions from your bank account. All auto insurers in Texas offer some form of this discount.

· Potential Savings: 2% – 25%

· Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.

Bundled Policies Discount

Drivers can save by insuring multiple vehicles under the same policy. Similarly, insurers offer discounts for drivers who use the same insurer for other types of insurance such as homeowner’s or renters. At Progressive, for instance, drivers save an average of 12% when they ensure multiple vehicles and 5% when they purchase multiple policies.

· Potential Savings: 1% – 17%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Student Discount

Showing a “B” grade point average or higher may make young drivers eligible for a discount. At Progressive, for example, full-time students can save up to 15% on their premium with this discount.

· Potential Savings: 5% – 20%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Resident Student Discount

You can save on premiums if an insured student is attending school at least 100 miles away and doesn’t have access to the insured vehicle. For example, Travelers offers a 7% discount for long-distance students.

· Potential Savings: 7% – 35%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Driver Discount

Having a clean driving record and no history of car insurance claims will save you money. Some insurers will allow you to qualify even if you have claims on your record, as long as you’ve been a good driver for a certain period of time. For example, you can get a good driver discount at Safeco if you go five years without a claim or moving violation.

· Potential Savings: 10% – 30%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Driver Education Discount

Take an approved defensive or safe driver course for reduced rates. This discount has been phased out over the years with most insurers in Texas.

· Potential Savings: 2% – 3%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Usage Based Discount

Allowing an insurance company to track your actual driving habits, usually through a device attached to your car or a smartphone app, can offer substantial savings. Drivers at Progressive, for instance, save an average of $145 through the “Snapshot” program. Safeco offers their “Right track” program which gives the change of up to a 30% discount. Travelers “Intellidrive” program offers similar discounts. Allstate calls their phone-based telematics program “Drive wise”.

· Potential Savings: Up to 30%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Mature Driver Discount

Thirty-four states and the District of Columbia require insurance companies to provide discounts to older drivers who take an approved mature/senior driving course. Most insurers in Texas offer some form of this discount.

· Potential Savings: 1% – 15%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Occupational Discount

Certain professions are statistically less likely to file expensive claims. As a result, they pay lower rates for car insurance. Safeco and Progressive give the largest occupational discounts in Texas typically.

· Potential Savings: 10% – 20%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Organizational Discount

Many private organizations such as school alumni groups, credit unions, and auto clubs like AAA give savings opportunities to members by partnering with a specific insurer. Most insurers in Texas do not give this discount.

· Potential Savings: 2% – 20%

Married Discount

A married person is statistically less likely to file expensive claims, so insurance companies often quote them lower rates.

· Potential Savings: 10% – 20%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Homeowner Discount

Homeowners are usually offered a discount on car insurance because they are considered to be financially stable. At Travelers, for example, drivers can save up to 5% if they own a home or condo, even if they insure it with another company.

· Potential Savings: 2% – 10%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Safety Features Discount

You may save more if your car has safety features like anti-lock brakes and stability control, which are common among newer vehicles.

· Potential Savings: 4% – 40%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Passive Restraints Discount

Cars with airbags and automatic seatbelts can be cheaper to insure.

· Potential Savings: 2% – 40%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Anti-Theft System Discount

Several insurers offer discounts for cars with alarms, LoJack, or steering wheel locks, which can help prevent auto theft.

· Potential Savings: 5% – 25%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

New Car Discount

If you’re insuring a brand-new car, you may receive a discount from your insurer. Travelers, for example, offers a discount of up to 10% for newer model vehicles.

· Potential Savings: 5% – 20%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

What are the types of auto insurance coverages?

So, when you talk about auto insurance coverages, there are eight basic types to choose from:

1. Liability Coverage

This coverage pays for the damage caused to another person’s car or property. It also includes drivers’ and passenger’s medical charges and other expenses. According to the law in Texas you need to have at least $30,000 coverage for damage per person, up to $60,000 for every encounter, and $25,000 compensation for property damage.

2. Collision Coverage

Collision coverage is required to repair or replace your vehicle after an accident.

3. Comprehensive Coverage

Comprehensive coverage compensates you when your vehicle is damaged by other events besides a car accident. For example, this type of coverage could cover hail damage from a storm, theft, a break-in, among other things.

4. Medical Payment Coverage

Medical payment covers you or your passengers’ medical expenses in case you are injured in a car accident, whether you caused it or not.

5. Personal Injury Protection (PIP)

Like the medical payment coverage, personal injury protection covers for your and other passengers’ medical expenses. Furthermore, it provides compensation for lost wages or other non-medical expenses.

6. Uninsured Motorist Coverage

This coverage will protect you in case you have an accident with a driver without insurance or who does not carry enough liability to compensate for your medical expenses and vehicle repairs This type of coverage will also be helpful in a hit-and-run situation.

7. Towing and Labor Coverage

This is an optional coverage you can add to your policy. It will cover for the costs of your car being towed if it cannot be driven. It also pays for the expenses required to replace a punctured tire, deliver gas/oil, or kick-start your car battery.

8. Rental Reimbursement Coverage

This coverage compensates for the price of renting a car if yours is under repair after an accident. Some companies will also reimburse expenses for taxi services.

Am I covered if I am driving a borrowed car?

If you are involved in an accident while driving a borrowed car, the car owner’s insurance policy would cover for the damage or expenses. However, if the owner does not possess insurance or does not have enough funds to pay for the damages, your policy might cover for it.

If you don’t possess a vehicle and borrow one for driving, a non-owner liability policy is the best option for you. It will cover you for any injuries and/or damages you cause to other individuals while driving the borrowed car. So, whether you borrow the car from the repair shop, the liability insurance will cover for the car damages and even pay for the medical expenses of people hit in the accident.

Can insurance companies deny coverage or claims?

There are some reasons why an insurance company can deny coverage or reject renewing your existing policy. Some reasons are:

• Non-payment of premiums
• You committed fraud or provided false information during the application process.
• You did not provide required documentation on time.
• You are listed as an excluded driver.
• You have made a fraudulent claim.

Zip Codes in Houston, TX That We Insure

77001 77002 77003 77004

77005 77006 77007 77008

77009 77010 77011 77012

77013 77014 77015 77016

77017 77018 77019 77020

77021 77022 77023 77024

77025 77026 77027 77028

77028 77029 77030 77031

77032 77033 77034 77035

77036 77037 77038 77039

77040 77041 77042 77043

77044 77045 77046 77047

77048 77049 77050 77051

77052 77053 77054 77055

77056 77057 77058 77059

77060 77061 77062 77063

77064 77065 77066 77067

77068 77069 77070 77071

77072 77073 77074 77075

77078 77079 77080 77081

77082 77083 77084 77085

77086 77087 77088 77089

77090 77091 77092 77093

77094 77095 77096 77097

77098 77099 77201 77202

77203 77204 77205 77206

77207 77208 77209 77210

77212 77213 77213 77215

77216 77216 77217 77218

77219 77220 77221 77222

77223 77224 77225 77226

77227 77228 77229 77230

77231 77232 77233 77234

77235 77236 77237 77238

77239 77240 77241 77242

77243 77244 77245 77246

77247 77248 77249 77250

77251 77252 77253 77254

77255 77256 77257 77258

77259 77260 77261 77262

77263 77264 77265 77266

77267 77268 77269 77270

77271 77272 77273 77274

77275 77276 77277 77278

77279 77280 77281 77282

77283 77284 77285 77286

77287 77288 77289 77290

77291 77292 77293 77294

77295 77296 77297 77298

77299 77336 77338 77339

77345 77346 77357 77365

77373 77386 77388 77396

77401 77407 77411 77449

77449 77450 77477 77489

77491 77491 77494 77498

77504 77506 77520 77530

77532 77546 77547 77571

77581 77587 77598

Freedom Insurance Group is Proud to Serve Houston, Texas

Knowing you’re protected with the right coverages can bring you peace of mind. Finding the right coverages for the lowest price will deliver the protection you deserve while keeping money in your pocket. Freedom Insurance Group understands and helps find car owners throughout Houston, Texas, the right coverage options for your needs at the lowest cost possible.

We get to know our clients to better understand their needs. Each vehicle owners’ needs are different and by creating a custom approach to your insurance needs we can prevent gaps in your coverage while saving you the most amount of money.

Our agents work for you by comparing your coverage needs among more than 25 top-rated insurance companies with strong financial ratings and a range of coverage options. By comparing your coverage among multiple brands, we can build a custom coverage option for you and your auto insurance that doesn’t break the bank. Contact us today or get a free car insurance quote with only a few clicks of a button.

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• Auto Insurance Quotes
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