Car Insurance in Houston, TX – Cheapest Autos to Insure in 2025

What is the average cost of auto insurance in Houston? Sit back and find out as we compare the cheapest insurance rates on over 150 vehicles.

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  • Average car insurance cost in Houston is $2,512 per year, or around $209 per month, for a full-coverage policy.
  • Car insurance rates for a few popular models in Houston include the Jeep Cherokee at $2,708 per year, Toyota Corolla at $2,446, and Chevrolet Equinox at $2,312.
  • For cheap car insurance in Houston, small crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision cost less than most other makes and models.
  • Vehicles with segment-leading car insurance rates include the Acura Integra at $2,232 per year, Acura RDX at $2,102 per year, Nissan Titan at $2,350 per year, and Chevrolet Colorado at $2,212 per year.

How much does car insurance cost in Houston?

In Houston, average auto insurance cost is $2,512 per year, which is 12.3% more than the overall U.S. national average rate of $2,221. Per month, Houston drivers can expect to pay an average of $209 for a policy with full coverage.

In the state of Texas, the average cost to insure a vehicle is $2,350 per year, so the cost in Houston averages $162 more per year. The cost to insure a vehicle in Houston compared to other Texas locations is around $158 per year more than in Arlington, $164 per year more than in San Antonio, and $240 per year more than in Austin.

Driver age has the biggest impact on the price you pay for auto insurance. The list below illustrates these differences by showing average car insurance rates in Houston for drivers from 16 to 60.

Houston car insurance cost by driver age

  • 16-year-old driver – $8,946 per year or $746 per month
  • 17-year-old driver – $8,667 per year or $722 per month
  • 18-year-old driver – $7,766 per year or $647 per month
  • 19-year-old driver – $7,073 per year or $589 per month
  • 20-year-old driver – $5,054 per year or $421 per month
  • 30-year-old driver – $2,680 per year or $223 per month
  • 40-year-old driver – $2,512 per year or $209 per month
  • 50-year-old driver – $2,224 per year or $185 per month
  • 60-year-old driver – $2,084 per year or $174 per month

The next chart summarizes average auto insurance cost in Houston broken out for a range of driver ages, policy physical damage deductibles, and risk scenarios. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.

Average car insurance rates in Houston for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Houston for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Houston includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Houston, TX
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,624$469
Safe Driver Age 20$4,920$410
At-fault Accidents Age 40$3,462$289
Low Deductibles Age 40$3,188$266
Safe Driver Age 30$2,604$217
Safe Driver Age 40$2,440$203
Safe Driver Age 50$2,162$180
High Deductibles Age 40$2,056$171
Discount Rate Age 40$2,028$169
Safe Driver Age 60$2,026$169

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average rates in the chart range from $2,086 per year for a middle-aged driver who receives an exceptional discount rate to $5,776 per year for a 20-year-old driver with a lot of violations and accidents. The average rate we use for comparing different vehicles or locations is the 40-year-old safe driver rate, which has an average cost of $2,512 per year.

As a monthly price, car insurance cost in Houston ranges from $174 to $481 for the same driver ages shown in the chart.

Houston car insurance rates can have a wide range and depend on a lot of factors. This amount of variability reinforces the need for accurate free auto insurance quotes when searching online for the cheapest policy.

The car insurance rates mentioned above are the average cost across all 2024 model year vehicles, which is suitable when making broad comparisons such as the difference in average auto insurance cost for two different locations in Texas. Average auto insurance rates are terrific for answering questions like “are Houston car insurance rates cheaper than in Fort Worth?” or “are Texas car insurance rates cheaper than in California?”.

For deeper rate comparisons, however, we should use rates for the exact make and model of vehicle being insured. Every model has different characteristics for determining auto insurance prices and this data enables us to make detailed insurance cost comparisons.

The following chart details average car insurance cost in Houston for a handful of the more popular vehicles. Later on in this article, we explore the cost of insurance for some of these models even more in-depth.

Average cost to insure popular 2024 model year vehicles in Houston.
Figure 2: Average cost to insure popular 2024 model year vehicles in Houston. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Houston Zip Codes.

Houston Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,804$150
Honda CR-V$2,080$173
Honda Civic$2,160$180
Nissan Rogue$2,196$183
Toyota Highlander$2,220$185
Nissan Sentra$2,240$187
Toyota RAV4$2,256$188
Hyundai Tucson$2,266$189
Honda Accord$2,358$197
Honda Pilot$2,374$198
Toyota Corolla$2,378$198
Jeep Grand Cherokee$2,436$203
Hyundai Santa Fe$2,480$207
Toyota Camry$2,620$218
Ford Mustang$2,682$224
GMC Sierra$2,694$225
Chevrolet Silverado$2,704$225
Ford Bronco$2,706$226
Ford F150$2,734$228
Ram Truck$2,824$235

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Houston, TX Zip Codes. Updated June 27, 2025

Which vehicles cost the least to insure in Houston?

When all vehicles are compared, the models with the cheapest average insurance quotes in Houston tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Toyota Corolla Cross.

Average insurance rates for those compact SUVs cost $2,040 or less per year for a policy with full coverage.

Other vehicles that are ranked high in our overall cost comparison are the Volkswagen Taos, Honda CR-V, Kia Niro, and Subaru Outback.

The average cost is slightly more for those models than the cheapest crossover SUVs that rank at the top, but they still have an average cost of $2,184 or less per year ($182 per month) in Houston.

The following table lists the cheapest vehicles to insure in Houston, sorted by annual and monthly insurance cost.

Top 30 Cheapest Auto Insurance Rates in Houston
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,804$150
2Chevrolet Trailblazer$1,836$153
3Kia Soul$1,906$159
4Nissan Kicks$1,926$161
5Honda Passport$1,940$162
6Buick Envision$1,954$163
7Toyota Corolla Cross$1,970$164
8Hyundai Venue$1,986$166
9Mazda CX-5$1,990$166
10Ford Bronco Sport$2,000$167
11Volkswagen Tiguan$2,020$168
12Acura RDX$2,040$170
13Nissan Murano$2,048$171
14Buick Encore$2,072$173
15Subaru Outback$2,078$173
16Honda CR-V$2,080$173
17Buick Envista$2,090$174
18Volkswagen Taos$2,092$174
19Kia Niro$2,100$175
20Toyota GR Corolla$2,118$177
21Subaru Ascent$2,120$177
22Honda HR-V$2,126$177
23Nissan Leaf$2,140$178
24Chevrolet Colorado$2,148$179
25Lexus NX 250$2,158$180
26Honda Civic$2,160$180
27Volkswagen Atlas$2,162$180
28Acura Integra$2,168$181
29Subaru Forester$2,172$181
30Volkswagen Atlas Cross Sport$2,172$181

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Houston, TX Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Houston, TX with the Subaru Crosstrek ranking first at $1,804 per year
Top 30 cheapest vehicles to insure in Houston, TX with the Subaru Crosstrek ranking first at $1,804 per year

A table showing 30 of the cheapest vehicles to insure in Houston is not the best way to show a complete view of the cost of auto insurance. Considering we track over 700 makes and models of vehicles, that’s a lot of vehicles that get omitted from the list. So let’s take a different approach and reorganize the models with the cheapest rates in Houston in a more sensible format, by vehicle segment.

The next section of this article details the average cost of car insurance in Houston for each different automotive segment. The rates shown should provide a decent idea of which segments have the least expensive rates. The sections following the chart break out and rank the 20 models with the cheapest car insurance in the most popular automotive segments.

Houston auto insurance rates by vehicle segment

If you are considering buying a new vehicle, it’s important to have a basic understanding of which styles of vehicles have more favorable insurance rates.

For example, you may be wondering if midsize SUVs have more affordable insurance than small SUVs or if sports cars have more expensive auto insurance than regular cars.

The next chart shows average car insurance rates in Houston for different vehicle segments. From an overal segment perspective, small SUVs and midsize pickups tend to have the least expensive rates, with high-performance exotic models having the highest average insurance cost.

Car insurance average cost by automotive segment in Houston, TX.
Figure 3: Car insurance average cost by automotive segment in Houston, TX. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Houston Zip Codes.

Car Insurance Rates by Automotive Segment in Houston, TX
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,308$192
Midsize SUV$2,478$207
Compact Car$2,480$207
Minivan$2,484$207
Midsize Pickup$2,536$211
Midsize Car$2,558$213
Compact Luxury SUV$2,722$227
Compact Luxury Car$2,762$230
Large SUV$2,774$231
Half-ton Pickup$2,782$232
Heavy Duty Pickup$2,890$241
Midsize Luxury SUV$2,982$249
Midsize Luxury Car$3,078$257
Sports Car$3,454$288
Large Car$3,612$301
Large Luxury SUV$3,886$324
Large Luxury Car$4,020$335

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Houston, TX Zip Codes. Updated June 27, 2025

Average rates for different segments are practical for general comparisons, but insurance cost varies substantially within each of the segments listed above.

For example, in the small car segment, Houston auto insurance rates range from the Toyota GR Corolla at $2,184 per year to the Toyota Mirai costing $3,124 per year. As another example, in the large truck segment, average rates range from the Nissan Titan at $2,350 per year to the Toyota Tundra costing $2,990 per year, a difference of $640 within that segment.

In the sections going forward, we eliminate a lot of this variability by analyzing the cost of car insurance in Houston for individual vehicles.

Cheapest car insurance rates in Houston

The top five models for the cheapest Houston car insurance rates in the car segment (excluding luxury models) are the Subaru Impreza, Nissan Leaf, Toyota GR Corolla, Nissan Sentra, and Honda Civic. Insurance rates for these vehicles average $2,308 or less per year, or around $192 per month.

Not the cheapest in the list but still ranking well are cars like the Kia K5, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with average annual insurance rates of $2,446 per year or less.

In the lower half of the top 20 cars to insure, cars like the Hyundai Sonata, Volkswagen Arteon, Toyota Crown, Nissan Versa, Mazda 3, and Subaru Legacy average between $2,446 and $2,596 per year for insurance in Houston.

As a cost per month, auto insurance rates in this segment starts at an average of $182 per month, depending on your location.

If rates are ranked based on vehicle size, the most budget-friendly non-luxury compact car to insure in Houston is the Toyota GR Corolla at $2,184 per year, or $182 per month. For midsize 2024 models, the Kia K5 is cheapest to insure at $2,418 per year, or $202 per month. And for full-size sedans, the Chrysler 300 has the cheapest rates at $2,390 per year, or $199 per month.

The rate comparison table below ranks the cars with the cheapest average insurance rates in Houston.

Cheapest Insurance for Cars in Houston
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,184$182
Nissan LeafCompact$2,200$183
Honda CivicCompact$2,224$185
Nissan SentraCompact$2,302$192
Subaru ImprezaCompact$2,308$192
Toyota PriusCompact$2,346$196
Kia K5Midsize$2,418$202
Honda AccordMidsize$2,426$202
Chevrolet MalibuMidsize$2,436$203
Toyota CorollaCompact$2,446$204
Kia ForteCompact$2,450$204
Volkswagen ArteonMidsize$2,468$206
Nissan VersaCompact$2,474$206
Subaru LegacyMidsize$2,478$207
Hyundai Ioniq 6Midsize$2,498$208
Mitsubishi Mirage G4Compact$2,534$211
Toyota CrownMidsize$2,540$212
Volkswagen JettaCompact$2,540$212
Hyundai SonataMidsize$2,548$212
Mazda 3Compact$2,596$216

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Houston, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Houston, TX, with the Toyota GR Corolla ranking first at $2,184 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Houston, TX, with the Toyota GR Corolla ranking first at $2,184 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see your car in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Houston car insurance quotes from top companies in Texas.

Cheapest SUV insurance rates in Houston

The lowest-cost non-luxury SUVs to insure in Houston are the Subaru Crosstrek at $1,856 per year, the Chevrolet Trailblazer at $1,886 per year, and the Kia Soul at $1,960 per year.

Some other SUVs that have good average insurance rates are the Hyundai Venue, Mazda CX-5, Buick Envision, and Toyota Corolla Cross, with an average car insurance cost of $2,054 per year or less.

Additional SUVs on the list include the Subaru Outback, Volkswagen Taos, Nissan Murano, and Buick Encore, which average between $2,054 and $2,186 per year for insurance in Houston.

As a cost per month, auto insurance on this segment in Houston can cost as low as $155 per month, depending on the company and where you live.

When vehicle size is considered, the lowest-cost non-luxury compact SUV to insure in Houston is the Subaru Crosstrek at $1,856 per year. For midsize SUVs, the Honda Passport has the best rates at $2,000 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,358 per year.

The rate comparison table below ranks the SUVs with the most affordable insurance in Houston, starting with the Subaru Crosstrek at $1,856 per year and ending with the Subaru Ascent at $2,186 per year.

Cheapest Insurance for SUVs in Houston
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,856$155
Chevrolet TrailblazerCompact$1,886$157
Kia SoulCompact$1,960$163
Nissan KicksCompact$1,978$165
Honda PassportMidsize$2,000$167
Buick EnvisionCompact$2,012$168
Toyota Corolla CrossCompact$2,026$169
Hyundai VenueCompact$2,040$170
Mazda CX-5Compact$2,050$171
Ford Bronco SportCompact$2,054$171
Volkswagen TiguanCompact$2,080$173
Nissan MuranoMidsize$2,110$176
Buick EncoreCompact$2,132$178
Honda CR-VCompact$2,140$178
Subaru OutbackMidsize$2,140$178
Buick EnvistaMidsize$2,146$179
Volkswagen TaosCompact$2,150$179
Kia NiroCompact$2,160$180
Honda HR-VCompact$2,184$182
Subaru AscentMidsize$2,186$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Houston, TX Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Houston, TX, with the Subaru Crosstrek ranking first at $1,856 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Houston, TX, with the Subaru Crosstrek ranking first at $1,856 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see insurance rates for your SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Texas.

Cheapest luxury car insurance rates in Houston

The top five models for the lowest-cost Houston auto insurance rates in the luxury car segment are the Mercedes-Benz CLA250, BMW 330i, Lexus IS 300, Acura Integra, and Acura TLX. Car insurance prices for these models average $217 or less per month.

Not the cheapest, but still in the top 10, are luxury cars like the Mercedes-Benz AMG CLA35, Cadillac CT4, Lexus ES 350, and Genesis G70, with average insurance cost of $2,638 per year or less.

In the bottom half of the top 20, models like the Audi S3, Lexus ES 250, BMW 228i, Lexus IS 350, and BMW 230i average between $2,638 and $2,816 per year for insurance.

Full-coverage car insurance for this segment in Houston for the average driver starts at an average of $186 per month, depending on your location and insurance company.

When rates are compared by vehicle size, the most affordable small luxury car to insure in Houston is the Acura Integra at $2,232 per year, or $186 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,582 per year, or $215 per month. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $2,982 per year, or $249 per month.

The next table ranks the twenty luxury cars with the lowest-cost average insurance rates in Houston, starting with the Acura Integra at $2,232 per year and ending with the Audi S3 at $2,816 per year.

Cheapest Insurance for Luxury Cars in Houston
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,232$186
BMW 330iCompact$2,556$213
Mercedes-Benz CLA250Midsize$2,582$215
Lexus IS 300Midsize$2,590$216
Acura TLXCompact$2,598$217
Cadillac CT4Compact$2,620$218
Lexus ES 350Midsize$2,620$218
Genesis G70Compact$2,628$219
Mercedes-Benz AMG CLA35Midsize$2,632$219
Lexus RC 300Midsize$2,638$220
Lexus IS 350Compact$2,650$221
Jaguar XFMidsize$2,656$221
Cadillac CT5Midsize$2,706$226
Lexus ES 250Midsize$2,714$226
Lexus RC 350Compact$2,722$227
BMW 330eCompact$2,726$227
BMW 228iCompact$2,730$228
BMW 230iCompact$2,752$229
Lexus ES 300hMidsize$2,756$230
Audi S3Compact$2,816$235

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Houston, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Houston, TX, with the Acura Integra ranking first at $2,232 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Houston, TX, with the Acura Integra ranking first at $2,232 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Houston car insurance quotes from top companies in Texas.

Cheapest luxury SUVs to insure in Houston

Ranking in the top five for the cheapest Houston auto insurance rates in the luxury SUV segment are the Jaguar E-Pace, Lexus NX 250, Cadillac XT5, Cadillac XT4, and Acura RDX. Car insurance prices for these models average $2,368 or less per year, or around $197 per month.

Other luxury SUVs that have good average insurance rates are the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 350h, and Lincoln Corsair, with average annual insurance rates of $2,422 per year or less.

Ranked in the lower half of the top 20, SUVs like the Land Rover Evoque, Infiniti QX50, Mercedes-Benz GLA250, Acura MDX, and Lexus RX 350 average between $2,422 and $2,522 per year for insurance in Houston.

Car insurance in Houston for this segment for the average driver will start around $175 per month, depending on your location.

The cheapest small luxury SUV to insure in Houston is the Acura RDX at $2,102 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,348 per year. And for full-size luxury SUVs, the Infiniti QX80 is most affordable to insure at $2,816 per year.

The comparison table below ranks the SUVs with the cheapest insurance rates in Houston, starting with the Acura RDX at $175 per month and ending with the Lexus RX 350 at $210 per month.

Cheapest Insurance for Luxury SUVs in Houston
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,102$175
Lexus NX 250Compact$2,222$185
Cadillac XT4Compact$2,266$189
Jaguar E-PaceMidsize$2,348$196
Cadillac XT5Midsize$2,368$197
Lexus NX 350hCompact$2,368$197
Lincoln CorsairCompact$2,398$200
Mercedes-Benz GLB 250Compact$2,402$200
Lexus UX 250hCompact$2,406$201
Lexus NX 450hCompact$2,422$202
Infiniti QX50Midsize$2,440$203
Mercedes-Benz GLA250Compact$2,446$204
Mercedes-Benz GLA35 AMGCompact$2,456$205
Cadillac XT6Midsize$2,458$205
Infiniti QX60Midsize$2,472$206
Mercedes-Benz AMG GLB35Midsize$2,472$206
Land Rover EvoqueCompact$2,506$209
Acura MDXMidsize$2,510$209
Lexus NX 350Compact$2,516$210
Lexus RX 350Midsize$2,522$210

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Houston, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Houston, TX, with the Acura RDX ranking first at $2,102 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Houston, TX, with the Acura RDX ranking first at $2,102 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see insurance cost for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Houston car insurance quotes from top companies in Texas.

Cheapest pickups to insure in Houston

In our comparison, the top five most budget-friendly pickup trucks to insure in Houston are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Auto insurance rates for these five pickups range from $2,212 to $2,438 per year.

Also ranking well are pickups like the Hyundai Santa Cruz, GMC Sierra 2500 HD, Toyota Tacoma, and GMC Canyon, with average insurance cost of $2,582 per year or less.

On a monthly basis, auto insurance rates in Houston on this segment for the average driver starts at around $184 per month, depending on the company. The comparison table below ranks the twenty pickups with the lowest-cost average insurance rates in Houston, starting with the Chevrolet Colorado at $184 per month and ending with the Ram Truck at $242 per month.

Cheapest Insurance for Pickups in Houston
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,212$184
Nissan TitanFull-size$2,350$196
Nissan FrontierMidsize$2,374$198
Ford RangerMidsize$2,400$200
Ford MaverickMidsize$2,438$203
Honda RidgelineMidsize$2,490$208
Hyundai Santa CruzMidsize$2,532$211
Toyota TacomaMidsize$2,542$212
GMC Sierra 2500 HDHeavy Duty$2,556$213
GMC CanyonMidsize$2,582$215
Jeep GladiatorMidsize$2,644$220
GMC Sierra 3500Heavy Duty$2,662$222
Chevrolet Silverado HD 3500Heavy Duty$2,684$224
Chevrolet Silverado HD 2500Heavy Duty$2,756$230
GMC SierraFull-size$2,774$231
Nissan Titan XDHeavy Duty$2,776$231
Chevrolet SilveradoFull-size$2,778$232
Ford F150Full-size$2,810$234
GMC Hummer EV PickupFull-size$2,882$240
Ram TruckFull-size$2,906$242

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Houston, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Houston, TX, with the Chevrolet Colorado ranking first at $2,212 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Houston, TX, with the Chevrolet Colorado ranking first at $2,212 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup model? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Houston car insurance quotes from the best auto insurance companies in Texas.

Cheapest sports car insurance rates in Houston

The Mazda MX-5 Miata ranks at #1 for the lowest-cost sports car to insure in Houston, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model costs an average of $2,322 per year for full-coverage auto insurance.

Some other cars that are affordable to insure include the Subaru BRZ, Lexus RC F, Toyota GR Supra, and Nissan Z, with an average car insurance cost of $3,002 per year or less.

From a cost per month standpoint, auto insurance on this segment in Houston for the average driver can cost as low as $194 per month, depending on the company and where you live.

The comparison table below ranks the twenty sports cars with the most affordable average insurance rates in Houston, starting with the Mazda MX-5 Miata at $2,322 per year ($194 per month) and ending with the Porsche Taycan at $4,252 per year ($354 per month).

Cheapest Insurance for Sports Cars in Houston
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,322$194
Toyota GR86Sports Car$2,646$221
Ford MustangSports Car$2,760$230
BMW Z4Sports Car$2,774$231
Subaru WRXSports Car$2,818$235
Toyota GR SupraSports Car$2,820$235
BMW M2Sports Car$2,906$242
Nissan ZSports Car$2,908$242
Lexus RC FSports Car$2,968$247
Subaru BRZSports Car$3,002$250
BMW M3Sports Car$3,172$264
Porsche 718Sports Car$3,236$270
Chevrolet CamaroSports Car$3,262$272
Chevrolet CorvetteSports Car$3,480$290
Porsche 911Sports Car$3,598$300
BMW M4Sports Car$3,750$313
Lexus LC 500Sports Car$3,768$314
Jaguar F-TypeSports Car$3,964$330
Mercedes-Benz AMG GT53Sports Car$4,154$346
Porsche TaycanSports Car$4,252$354

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Houston, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Houston, TX, with the Mazda MX-5 Miata ranking first at $2,322 per year.
Ranking of the cheapest sports cars to insure in Houston, TX, with the Mazda MX-5 Miata ranking first at $2,322 per year.

Don’t see insurance cost for your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Houston.

Examples of rate variation

To supplement the earlier data and reinforce the extent to which the cost of identical auto insurance can vary for different drivers (and also emphasize the importance of accurate rate quotes), the sections below show detailed rates for three popular vehicles in Houston: the Chevrolet Silverado, Nissan Sentra, and Honda CR-V.

Each example uses a range of risk profiles to show how rates can be very different based on minor driver risk profile changes.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Houston averages $2,778 per year, ranging from a low of $2,354 per year for the Silverado EV WT trim level up to $3,292 per year for the Silverado EV RST First Edition trim level.

As a cost per month, car insurance rates for a Chevrolet Silverado for a safe driver can cost from $196 to $274 per month, depending on exactly where you live in Houston.

The bar chart below should aid in understanding how auto insurance quotes on a Chevrolet Silverado can change based on driver age and risk profiles. For our example, prices range from $2,302 to $6,448 per year, which is a price difference of $4,146.

Average 2024 Chevrolet Silverado insurance premiums in Houston for different driver ages and risk scenarios.
Figure 4: Average 2024 Chevrolet Silverado insurance premiums in Houston for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Houston includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Houston, TX
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,448$537
Safe Driver Age 20$5,640$470
At-fault Accidents Age 40$3,968$331
Low Deductibles Age 40$3,584$299
Safe Driver Age 30$2,954$246
Safe Driver Age 40$2,778$232
Safe Driver Age 50$2,468$206
High Deductibles Age 40$2,366$197
Safe Driver Age 60$2,310$193
Discount Rate Age 40$2,302$192

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

The Chevrolet Silverado is considered a full-size truck, and other top-selling models from the same segment include the Ram Truck, Toyota Tundra, Nissan Titan, and Ford F150.

Nissan Sentra insurance rates

In Houston, the most affordable auto insurance rates on a 2024 Nissan Sentra are on the S trim level, costing an average of $2,250 per year, or around $188 per month. This model stickers at $20,630.

The most expensive 2022 Nissan Sentra trim level to insure in Houston is the SR model, costing an average of $2,366 per year, or about $197 per month. The retail cost for this model is $23,720, not including destination charges and documentation fees.

When Houston insurance rates for a Nissan Sentra are compared to the average cost for the entire U.S. for the same model, the cost is $152 to $160 more per year in Houston, depending on the trim level being insured.

On a monthly basis, full-coverage insurance on a 2024 Nissan Sentra for a good driver can cost from $188 to $197 per month, depending on exact policy limits and your Zip Code in Houston.

The rate chart below should be a good visualization how the prices of car insurance on a Nissan Sentra can be significantly different based on an assortment of driver ages and common risk profiles. For our example drivers, cost varies from $1,912 to $5,232 per year, which is a cost difference of $3,320.

Average 2024 Nissan Sentra insurance premiums in Houston for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Sentra insurance premiums in Houston for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Houston includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Houston, TX
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,232$436
Safe Driver Age 20$4,550$379
At-fault Accidents Age 40$3,258$272
Low Deductibles Age 40$2,910$243
Safe Driver Age 30$2,442$204
Safe Driver Age 40$2,302$192
Safe Driver Age 50$2,058$172
High Deductibles Age 40$1,980$165
Safe Driver Age 60$1,918$160
Discount Rate Age 40$1,912$159

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 26, 2025

The Nissan Sentra is part of the compact car segment, and other similar models that are popular in Houston include the Volkswagen Jetta, Chevrolet Cruze, Hyundai Elantra, and Toyota Corolla.

Honda CR-V insurance rates

Honda CR-V insurance in Houston averages $2,140 per year, with a range of $2,028 per year on the CR-V LX trim (MSRP of $29,500) up to $2,258 per year on the CR-V Sport Touring Hybrid AWD trim level (MSRP of $39,850).

When Houston auto insurance rates on a Honda CR-V are compared with the national average cost on the same model, the cost is anywhere from $134 to $152 more expensive per year in Houston, depending on which model is insured.

The bar chart below illustrates how auto insurance quotes on a Honda CR-V can vary for a variety of different driver ages, deductibles, and risk profiles.

Average 2024 Honda CR-V insurance premiums in Houston for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda CR-V insurance premiums in Houston for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Houston includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Houston, TX
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,922$410
Safe Driver Age 20$4,304$359
At-fault Accidents Age 40$3,030$253
Low Deductibles Age 40$2,790$233
Safe Driver Age 30$2,282$190
Safe Driver Age 40$2,140$178
Safe Driver Age 50$1,898$158
High Deductibles Age 40$1,804$150
Discount Rate Age 40$1,782$149
Safe Driver Age 60$1,780$148

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 27, 2025

The Honda CR-V is considered a compact SUV, and other similar models include the Nissan Rogue, Ford Escape, Toyota RAV4, and Chevrolet Equinox.

Tips for getting cheaper Houston auto insurance quotes

Resourceful drivers should always be looking to pay less for car insurance, so run through the money-saving ideas in this next list and it’s very likely you can save a few dollars on your next renewal or new policy.

  • Get cheaper rates because of your occupation. Many auto insurance companies offer discounts for earning a living in occupations like firefighters, nurses, accountants, high school and elementary teachers, scientists, members of the military, and others. If you can qualify for this discount, you could potentially save between $75 and $244 on your annual car insurance premium, depending on the level of coverage purchased.
  • Stay claim free and save. Car insurance companies give a discount if you have no claims. Car insurance is intended to be used in the case of significant claims, not for minor claims that can easily be paid out-of-pocket.
  • Get cheaper rates by researching discounts. Discounted rates may be available if the insureds are good students, insure multiple vehicles on the same policy, drive a vehicle with safety or anti-theft features, belong to certain professional organizations, or many other discounts which could save the average Houston driver as much as $426 per year.
  • Compare insurance cost before you buy the car. Different vehicle models can have significantly different car insurance rates, and auto insurance companies can sell policies with a wide range of costs. Get plenty of comparison quotes before you buy a new vehicle to prevent price shock when you see your first bill.
  • Better credit scores yield better car insurance rates. Having an excellent credit rating above 800 could save as much as $394 per year compared to a rating of 670-739. Conversely, a mediocre credit score could cost as much as $457 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Shop around. Setting aside a few minutes before every renewal to get a few free car insurance quotes is a smart way to save money. Rates are always changing and switching companies is very easy to do.
  • Obey driving laws to save money. If you want to get cheap car insurance in Houston, it’s necessary to follow traffic laws. Just a couple of minor traffic violations can raise insurance rates as much as $670 per year. Being convicted of a serious infraction such as driving under the influence or reckless driving could raise rates by an additional $2,332 or more.