Car insurance rates can vary significantly based on multiple factors, making it essential for drivers to shop around and compare quotes to find the most affordable option. What may be the cheapest car insurance provider for one driver in Houston may not be the best choice for another. Factors such as age, credit score, driving record, and even ZIP code can all influence the cost of car insurance. In this article, we will break down the cheapest options in Houston for teen drivers, those with bad credit, a history of accidents, DUIs, or speeding tickets.
### Cheapest Car Insurance in Houston For Teen Drivers
For teen drivers in Houston, Redpoint stands out as the cheapest car insurance company, offering minimum-coverage rates as low as $69 per month or $822 per year. Other affordable options for teen drivers in Houston include Texas Farm Bureau, State Farm, and Geico.
– Redpoint: $69 per month, $822 per year
– Texas Farm Bureau: $119 per month, $1,431 per year
– State Farm: $135 per month, $1,615 per year
– Geico: $146 per month, $1,751 per year
– USAA: $172 per month, $2,065 per year
### Cheapest Car Insurance in Houston For Bad Credit
Drivers with bad credit in Houston can find affordable car insurance rates with Redpoint, offering minimum-coverage policies for $69 per month or $822 per year. Texas Farm Bureau, USAA, Allstate, and Nationwide also provide competitive rates for drivers with poor credit.
– Redpoint: $69 per month, $822 per year
– Texas Farm Bureau: $83 per month, $994 per year
– USAA: $83 per month, $999 per year
– Allstate: $90 per month, $1,076 per year
– Nationwide: $103 per month, $1,241 per year
### Cheapest Car Insurance in Houston With a DUI
State Farm emerges as the most affordable car insurance option for drivers with a DUI in Houston, with average rates of $64 per month or $771 per year for minimum coverage.
– State Farm: $64 per month, $771 per year
– Redpoint: $69 per month, $822 per year
– USAA: $85 per month, $1,021 per year
– Texas Farm Bureau: $89 per month, $1,069 per year
– Progressive: $92 per month, $1,110 per year
### Cheapest Car Insurance in Houston After an Accident
For drivers with a history of accidents in Houston, State Farm offers the most affordable auto insurance rates, with an average of about $44 per month for minimum coverage.
– State Farm: $44 per month, $525 per year
– Texas Farm Bureau: $67 per month, $801 per year
– Redpoint: $69 per month, $822 per year
– Geico: $79 per month, $948 per year
– USAA: $85 per month, $1,025 per year
### Cheapest Car Insurance in Houston: Speeding Ticket
Drivers with a speeding ticket on their record in Houston can find the cheapest rates with State Farm, offering policies for $36 per month or $427 per year.
– State Farm: $36 per month, $427 per year
– Texas Farm Bureau: $39 per month, $467 per year
– Geico: $57 per month, $688 per year
– USAA: $59 per month, $711 per year
– Allstate: $62 per month, $743 per year
### Average Car Insurance Cost In Houston
On average, minimum-coverage car insurance in Houston costs $74 per month or $893 per year, which is approximately 43% higher than the national average. Full-coverage car insurance in Houston averages $224 per month or $2,687 per year, about 34% more expensive than the national average.
### Houston Car Insurance Cost By Age
The average car insurance costs for Houston residents vary by age, with rates ranging from $330 per month for 16-year-olds to $93 per month for 55-year-olds.
– 16 years old: $330 per month, $3,956 per year
– 25 years old: $89 per month, $1,064 per year
– 35 years old: $74 per month, $893 per year
– 45 years old: $74 per month, $883 per year
– 55 years old: $93 per month, $1,115 per year
### Houston Car Insurance Cost by ZIP Code
Insurance rates in Houston can be influenced by factors such as insurance claims, crimes, traffic incidents, and population density in different areas of the city. Certain ZIP codes in Houston can be up to 7.8% cheaper or 10.1% more expensive than the city average.
### Car Insurance Requirements in Houston
In Texas, drivers are required to have liability coverage that meets or exceeds the following minimum requirements:
– $60,000 bodily injury liability per accident
– $30,000 bodily injury liability per person
– $25,000 property damage liability per accident
### Cheap Car Insurance in Houston: The Bottom Line
While car insurance in Houston may be pricier than the national average, there are still options for finding cost-effective providers. State Farm offers minimum-coverage premiums at around $36 per month, while Texas Farm Bureau provides highly affordable full-coverage rates at $129 per month.
In conclusion, by comparing quotes from different insurance providers and considering factors such as age, credit score, driving record, and ZIP code, drivers in Houston can find the cheapest car insurance options that suit their individual needs. Remember to review your coverage regularly to ensure you are getting the best rates available.