- Average car insurance cost in Houston is $2,556 per year, or around $213 per month, for a full-coverage policy.
- Car insurance rates for a few popular models in Houston include the Jeep Cherokee at $2,756 per year, Toyota Corolla at $2,488, and Chevrolet Equinox at $2,354.
- 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 $2,272 per year, Acura RDX at $2,136 per year, Nissan Titan at $2,392 per year, and Chevrolet Colorado at $2,254 per year.
How much does car insurance cost in Houston?
In Houston, average auto insurance cost is $2,556 per year, which is 11.6% more than the overall U.S. national average rate of $2,276. Per month, Houston drivers can expect to pay an average of $213 for a policy with full coverage.
In the state of Texas, the average cost to insure a vehicle is $2,394 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 $238 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 – $9,100 per year or $758 per month
- 17-year-old driver – $8,817 per year or $735 per month
- 18-year-old driver – $7,899 per year or $658 per month
- 19-year-old driver – $7,195 per year or $600 per month
- 20-year-old driver – $5,140 per year or $428 per month
- 30-year-old driver – $2,726 per year or $227 per month
- 40-year-old driver – $2,556 per year or $213 per month
- 50-year-old driver – $2,268 per year or $189 per month
- 60-year-old driver – $2,122 per year or $177 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 rates in the chart range from $2,124 per year for a middle-aged driver who receives an exceptional discount rate to $5,876 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 $2,556 per year.
As a monthly price, car insurance cost in Houston ranges from $177 to $490 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.
Car insurance cost for popular vehicles
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.
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 $2,076 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, Subaru Outback, Kia Niro, and Honda CR-V.
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 $2,220 or less per year ($185 per month) in Houston.
The following table lists the cheapest vehicles to insure in Houston, sorted by annual and monthly insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,834 | $153 |
| 2 | Chevrolet Trailblazer | $1,870 | $156 |
| 3 | Kia Soul | $1,940 | $162 |
| 4 | Nissan Kicks | $1,958 | $163 |
| 5 | Honda Passport | $1,978 | $165 |
| 6 | Buick Envision | $1,988 | $166 |
| 7 | Toyota Corolla Cross | $2,006 | $167 |
| 8 | Hyundai Venue | $2,020 | $168 |
| 9 | Mazda CX-5 | $2,026 | $169 |
| 10 | Ford Bronco Sport | $2,036 | $170 |
| 11 | Volkswagen Tiguan | $2,054 | $171 |
| 12 | Acura RDX | $2,076 | $173 |
| 13 | Nissan Murano | $2,088 | $174 |
| 14 | Buick Encore | $2,110 | $176 |
| 15 | Subaru Outback | $2,114 | $176 |
| 16 | Honda CR-V | $2,118 | $177 |
| 17 | Buick Envista | $2,130 | $178 |
| 18 | Volkswagen Taos | $2,134 | $178 |
| 19 | Kia Niro | $2,138 | $178 |
| 20 | Toyota GR Corolla | $2,156 | $180 |
| 21 | Subaru Ascent | $2,158 | $180 |
| 22 | Honda HR-V | $2,166 | $181 |
| 23 | Nissan Leaf | $2,178 | $182 |
| 24 | Chevrolet Colorado | $2,188 | $182 |
| 25 | Lexus NX 250 | $2,196 | $183 |
| 26 | Honda Civic | $2,198 | $183 |
| 27 | Volkswagen Atlas | $2,200 | $183 |
| 28 | Acura Integra | $2,208 | $184 |
| 29 | Volkswagen Atlas Cross Sport | $2,210 | $184 |
| 30 | Subaru Forester | $2,212 | $184 |
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 October 24, 2025
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.
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 $2,220 per year to the Toyota Mirai costing $3,180 per year. As another example, in the large truck segment, average rates range from the Nissan Titan at $2,392 per year to the Toyota Tundra costing $3,044 per year, a difference of $652 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 $2,350 or less per year, or around $196 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 $2,488 per year or less.
In the lower half of the top 20 cars to insure, cars like the Hyundai Sonata, Volkswagen Arteon, Volkswagen Jetta, Nissan Versa, Mazda 3, and Subaru Legacy average between $2,488 and $2,644 per year for insurance in Houston.
As a cost per month, auto insurance rates in this segment starts at an average of $185 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 $2,220 per year, or $185 per month. For midsize 2024 models, the Kia K5 is cheapest to insure at $2,464 per year, or $205 per month. And for full-size sedans, the Chrysler 300 has the cheapest rates at $2,434 per year, or $203 per month.
The rate comparison table below ranks the cars with the cheapest average insurance rates in Houston.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,220 | $185 |
| Nissan Leaf | Compact | $2,238 | $187 |
| Honda Civic | Compact | $2,264 | $189 |
| Nissan Sentra | Compact | $2,342 | $195 |
| Subaru Impreza | Compact | $2,350 | $196 |
| Toyota Prius | Compact | $2,388 | $199 |
| Kia K5 | Midsize | $2,464 | $205 |
| Honda Accord | Midsize | $2,468 | $206 |
| Chevrolet Malibu | Midsize | $2,478 | $207 |
| Toyota Corolla | Compact | $2,488 | $207 |
| Kia Forte | Compact | $2,494 | $208 |
| Volkswagen Arteon | Midsize | $2,512 | $209 |
| Nissan Versa | Compact | $2,518 | $210 |
| Subaru Legacy | Midsize | $2,522 | $210 |
| Hyundai Ioniq 6 | Midsize | $2,544 | $212 |
| Mitsubishi Mirage G4 | Compact | $2,580 | $215 |
| Volkswagen Jetta | Compact | $2,584 | $215 |
| Toyota Crown | Midsize | $2,588 | $216 |
| Hyundai Sonata | Midsize | $2,590 | $216 |
| Mazda 3 | Compact | $2,644 | $220 |
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 October 24, 2025
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 $1,888 per year, the Chevrolet Trailblazer at $1,920 per year, and the Kia Soul at $1,994 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 $2,094 per year or less.
Additional SUVs on the list include the Honda CR-V, Volkswagen Taos, Nissan Murano, and Buick Encore, which average between $2,094 and $2,224 per year for insurance in Houston.
As a cost per month, auto insurance on this segment in Houston can cost as low as $157 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 $1,888 per year. For midsize SUVs, the Honda Passport has the best rates at $2,036 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,400 per year.
The rate comparison table below ranks the SUVs with the most affordable insurance in Houston, starting with the Subaru Crosstrek at $1,888 per year and ending with the Subaru Ascent at $2,224 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,888 | $157 |
| Chevrolet Trailblazer | Compact | $1,920 | $160 |
| Kia Soul | Compact | $1,994 | $166 |
| Nissan Kicks | Compact | $2,012 | $168 |
| Honda Passport | Midsize | $2,036 | $170 |
| Buick Envision | Compact | $2,048 | $171 |
| Toyota Corolla Cross | Compact | $2,062 | $172 |
| Hyundai Venue | Compact | $2,076 | $173 |
| Mazda CX-5 | Compact | $2,084 | $174 |
| Ford Bronco Sport | Compact | $2,094 | $175 |
| Volkswagen Tiguan | Compact | $2,116 | $176 |
| Nissan Murano | Midsize | $2,148 | $179 |
| Buick Encore | Compact | $2,172 | $181 |
| Subaru Outback | Midsize | $2,176 | $181 |
| Honda CR-V | Compact | $2,178 | $182 |
| Buick Envista | Midsize | $2,186 | $182 |
| Volkswagen Taos | Compact | $2,190 | $183 |
| Kia Niro | Compact | $2,200 | $183 |
| Honda HR-V | Compact | $2,224 | $185 |
| Subaru Ascent | Midsize | $2,224 | $185 |
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 October 24, 2025
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 $220 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 $2,686 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 $2,686 and $2,866 per year for insurance.
Full-coverage car insurance for this segment in Houston for the average driver starts at an average of $189 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 $2,272 per year, or $189 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,630 per year, or $219 per month. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $3,040 per year, or $253 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 $2,272 per year and ending with the Audi S3 at $2,866 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,272 | $189 |
| BMW 330i | Compact | $2,604 | $217 |
| Mercedes-Benz CLA250 | Midsize | $2,630 | $219 |
| Lexus IS 300 | Midsize | $2,636 | $220 |
| Acura TLX | Compact | $2,644 | $220 |
| Cadillac CT4 | Compact | $2,670 | $223 |
| Lexus ES 350 | Midsize | $2,670 | $223 |
| Genesis G70 | Compact | $2,676 | $223 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,680 | $223 |
| Lexus RC 300 | Midsize | $2,686 | $224 |
| Lexus IS 350 | Compact | $2,698 | $225 |
| Jaguar XF | Midsize | $2,704 | $225 |
| Cadillac CT5 | Midsize | $2,754 | $230 |
| Lexus ES 250 | Midsize | $2,764 | $230 |
| Lexus RC 350 | Compact | $2,772 | $231 |
| BMW 330e | Compact | $2,776 | $231 |
| BMW 228i | Compact | $2,780 | $232 |
| BMW 230i | Compact | $2,802 | $234 |
| Lexus ES 300h | Midsize | $2,806 | $234 |
| Audi S3 | Compact | $2,866 | $239 |
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 October 24, 2025
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 $2,412 or less per year, or around $201 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 $2,464 per year or less.
Ranked in the lower half of the top 20, SUVs like the Acura MDX, Infiniti QX50, Mercedes-Benz GLA250, Land Rover Evoque, and Lexus RX 350 average between $2,464 and $2,566 per year for insurance in Houston.
Car insurance in Houston for this segment for the average driver will start around $178 per month, depending on your location.
The cheapest small luxury SUV to insure in Houston is the Acura RDX at $2,136 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,390 per year. And for full-size luxury SUVs, the Infiniti QX80 is most affordable to insure at $2,866 per year.
The comparison table below ranks the SUVs with the cheapest insurance rates in Houston, starting with the Acura RDX at $178 per month and ending with the Lexus RX 350 at $214 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,136 | $178 |
| Lexus NX 250 | Compact | $2,262 | $189 |
| Cadillac XT4 | Compact | $2,308 | $192 |
| Jaguar E-Pace | Midsize | $2,390 | $199 |
| Cadillac XT5 | Midsize | $2,412 | $201 |
| Lexus NX 350h | Compact | $2,412 | $201 |
| Lincoln Corsair | Compact | $2,440 | $203 |
| Mercedes-Benz GLB 250 | Compact | $2,448 | $204 |
| Lexus UX 250h | Compact | $2,452 | $204 |
| Lexus NX 450h | Compact | $2,464 | $205 |
| Infiniti QX50 | Midsize | $2,484 | $207 |
| Mercedes-Benz GLA250 | Compact | $2,492 | $208 |
| Mercedes-Benz GLA35 AMG | Compact | $2,500 | $208 |
| Cadillac XT6 | Midsize | $2,502 | $209 |
| Infiniti QX60 | Midsize | $2,514 | $210 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,518 | $210 |
| Land Rover Evoque | Compact | $2,552 | $213 |
| Acura MDX | Midsize | $2,554 | $213 |
| Lexus NX 350 | Compact | $2,564 | $214 |
| Lexus RX 350 | Midsize | $2,566 | $214 |
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 October 24, 2025
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 $2,254 to $2,482 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 $2,630 per year or less.
On a monthly basis, auto insurance rates in Houston on this segment for the average driver starts at around $188 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 $188 per month and ending with the Ram Truck at $246 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,254 | $188 |
| Nissan Titan | Full-size | $2,392 | $199 |
| Nissan Frontier | Midsize | $2,418 | $202 |
| Ford Ranger | Midsize | $2,442 | $204 |
| Ford Maverick | Midsize | $2,482 | $207 |
| Honda Ridgeline | Midsize | $2,536 | $211 |
| Hyundai Santa Cruz | Midsize | $2,580 | $215 |
| Toyota Tacoma | Midsize | $2,588 | $216 |
| GMC Sierra 2500 HD | Heavy Duty | $2,600 | $217 |
| GMC Canyon | Midsize | $2,630 | $219 |
| Jeep Gladiator | Midsize | $2,692 | $224 |
| GMC Sierra 3500 | Heavy Duty | $2,708 | $226 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,732 | $228 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,806 | $234 |
| GMC Sierra | Full-size | $2,822 | $235 |
| Chevrolet Silverado | Full-size | $2,824 | $235 |
| Nissan Titan XD | Heavy Duty | $2,826 | $236 |
| Ford F150 | Full-size | $2,860 | $238 |
| GMC Hummer EV Pickup | Full-size | $2,930 | $244 |
| Ram Truck | Full-size | $2,956 | $246 |
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 October 24, 2025
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 $2,366 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 $3,054 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 $197 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 $2,366 per year ($197 per month) and ending with the Porsche Taycan at $4,330 per year ($361 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,366 | $197 |
| Toyota GR86 | Sports Car | $2,692 | $224 |
| Ford Mustang | Sports Car | $2,808 | $234 |
| BMW Z4 | Sports Car | $2,824 | $235 |
| Subaru WRX | Sports Car | $2,864 | $239 |
| Toyota GR Supra | Sports Car | $2,872 | $239 |
| BMW M2 | Sports Car | $2,954 | $246 |
| Nissan Z | Sports Car | $2,962 | $247 |
| Lexus RC F | Sports Car | $3,022 | $252 |
| Subaru BRZ | Sports Car | $3,054 | $255 |
| BMW M3 | Sports Car | $3,228 | $269 |
| Porsche 718 | Sports Car | $3,290 | $274 |
| Chevrolet Camaro | Sports Car | $3,320 | $277 |
| Chevrolet Corvette | Sports Car | $3,540 | $295 |
| Porsche 911 | Sports Car | $3,662 | $305 |
| BMW M4 | Sports Car | $3,812 | $318 |
| Lexus LC 500 | Sports Car | $3,834 | $320 |
| Jaguar F-Type | Sports Car | $4,032 | $336 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,230 | $353 |
| Porsche Taycan | Sports Car | $4,330 | $361 |
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 October 24, 2025
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 $2,824 per year, ranging from a low of $2,394 per year for the Silverado EV WT trim level up to $3,350 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 $200 to $279 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 $2,342 to $6,560 per year, which is a price difference of $4,218.
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 $2,290 per year, or around $191 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 $2,406 per year, or about $201 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 $140 to $146 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 $191 to $201 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 $1,944 to $5,322 per year, which is a cost difference of $3,378.
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 $2,178 per year, with a range of $2,068 per year on the CR-V LX trim (MSRP of $29,500) up to $2,300 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 $126 to $140 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.
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 $77 and $248 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 $432 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 $401 per year compared to a rating of 670-739. Conversely, a mediocre credit score could cost as much as $465 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 $682 per year. Being convicted of a serious infraction such as driving under the influence or reckless driving could raise rates by an additional $2,376 or more.