Car Insurance in Houston, TX – Cheapest Autos to Insure in 2023

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 $1,802 per year, or around $150 per month, for a full-coverage policy.
  • Car insurance rates for a few popular models in Houston include the Jeep Cherokee at $1,954 per year, Toyota Corolla at $1,690, and Chevrolet Equinox at $1,620.
  • For cheap car insurance in Houston, small crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, Nissan Rogue Sport, and Mazda CX-5 cost less than most other makes and models.
  • Vehicles with segment-leading car insurance rates include the Acura Integra at $1,616 per year, Acura RDX at $1,500 per year, Nissan Titan at $1,782 per year, and Ford Maverick at $1,496 per year.

How much does car insurance cost in Houston?

In Houston, average auto insurance cost is $1,802 per year, which is 6.7% more than the overall U.S. national average rate of $1,685. Per month, Houston drivers can expect to pay an average of $150 for a policy with full coverage.

In the state of Texas, the average cost to insure a vehicle is $1,638 per year, so the cost in Houston averages $164 more per year. The cost to insure a vehicle in Houston compared to other Texas locations is around $164 per year more than in Arlington, $166 per year more than in San Antonio, and $246 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 – $6,450 per year or $538 per month
  • 17-year-old driver – $6,030 per year or $503 per month
  • 18-year-old driver – $5,634 per year or $470 per month
  • 19-year-old driver – $5,100 per year or $425 per month
  • 20-year-old driver – $3,582 per year or $299 per month
  • 30-year-old driver – $1,898 per year or $158 per month
  • 40-year-old driver – $1,802 per year or $150 per month
  • 50-year-old driver – $1,638 per year or $137 per month
  • 60-year-old driver – $1,610 per year or $134 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 2023 vehicle models including luxury brand cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2023 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. Physical damage 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.Data last updated on May 5, 2023
Houston, TX Car Insurance Cost Summary
2023 Average Car Insurance Cost in Houston, TX
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,092$341
Safe Driver Age 20$3,582$299
At-fault Accidents Age 40$2,540$212
Low Deductibles Age 40$2,348$196
Safe Driver Age 30$1,898$158
Safe Driver Age 40$1,802$150
Safe Driver Age 50$1,638$137
Safe Driver Age 60$1,610$134
High Deductibles Age 40$1,520$127
Discount Rate Age 40$1,494$125

Average rates in the chart range from $1,494 per year for a middle-aged driver who receives an exceptional discount rate to $4,092 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 $1,802 per year.

As a monthly price, car insurance cost in Houston ranges from $125 to $341 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 2023 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Houston car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Houston Zip Codes.Data last updated on May 5, 2023
Houston Car Insurance Rates for Popular Vehicles
Houston Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,374$115
Honda CR-V$1,526$127
Hyundai Tucson$1,648$137
Nissan Rogue$1,656$138
Toyota RAV4$1,668$139
Nissan Sentra$1,672$139
Toyota Corolla$1,690$141
Toyota Camry$1,710$143
Honda Pilot$1,730$144
Honda Civic$1,764$147
Toyota Highlander$1,796$150
Honda Accord$1,822$152
Ford F150$1,830$153
Hyundai Santa Fe$1,848$154
Jeep Grand Cherokee$1,912$159
Ford Mustang$1,954$163
GMC Sierra$1,964$164
Ram Truck$1,968$164
Chevrolet Silverado$1,970$164
Ford Bronco$2,002$167

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 Subaru Crosstrek, Chevrolet Trailblazer, and Buick Encore.

Average insurance rates for those compact SUVs cost $1,440 or less per year for a policy with full coverage.

Other vehicles that are ranked high in our overall cost comparison are the Subaru Forester, Chevrolet Colorado, Ford Edge, and Acura RDX.

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 $1,526 or less per year ($127 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 Cost Monthly Cost
1Chevrolet Trailblazer$1,362$114
2Subaru Crosstrek$1,374$115
3Nissan Kicks$1,380$115
4Honda Passport$1,398$117
5Nissan Rogue Sport$1,404$117
6Mazda CX-5$1,416$118
7Buick Encore$1,434$120
8Buick Envision$1,440$120
9Kia Seltos$1,458$122
10Subaru Ascent$1,466$122
11Hyundai Venue$1,468$122
12Subaru Impreza$1,490$124
13Chevrolet Colorado$1,496$125
14Ford Maverick$1,496$125
15Honda HR-V$1,498$125
16Acura RDX$1,500$125
17Hyundai Kona$1,510$126
18Subaru Forester$1,520$127
19Ford Edge$1,526$127
20Honda CR-V$1,526$127
21Mazda CX-30$1,530$128
22Ford Explorer$1,534$128
23Volkswagen Atlas$1,536$128
24Nissan Murano$1,546$129
25Chevrolet Trax$1,548$129
26Subaru Outback$1,550$129
27Nissan Frontier$1,556$130
28Volkswagen Tiguan$1,564$130
29Ford Bronco Sport$1,568$131
30Fiat 500X$1,596$133

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Houston, TX.Data last updated on May 5, 2023
    Top 30 Cheapest Auto Insurance Rates in Houston

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Houston car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Houston Zip Codes.Data last updated on May 5, 2023
    Average Houston Auto Insurance Rates by Vehicle Segment
    Houston Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,638$137
    Midsize Pickup$1,698$142
    Midsize SUV$1,758$147
    Minivan$1,764$147
    Compact Car$1,794$150
    Midsize Car$1,836$153
    Compact Luxury SUV$1,946$162
    Half-ton Pickup$1,954$163
    Large SUV$1,970$164
    Compact Luxury Car$1,982$165
    Heavy Duty Pickup$2,068$172
    Midsize Luxury SUV$2,090$174
    Large Car$2,094$175
    Midsize Luxury Car$2,286$191
    Sports Car$2,462$205
    Large Luxury SUV$2,646$221
    Large Luxury Car$2,782$232

    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 Subaru Impreza at $1,490 per year to the Toyota Mirai costing $2,236 per year. As another example, in the large truck segment, average rates range from the Nissan Titan at $1,782 per year to the GMC Hummer EV Pickup costing $2,274 per year, a difference of $492 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 Toyota Corolla, Volkswagen Jetta, Subaru Impreza, Nissan Sentra, and Subaru Legacy. Insurance rates for these vehicles average $1,690 or less per year, or around $141 per month.

    Not the cheapest in the list but still ranking well are cars like the Toyota Prius, Mazda 3, Toyota Camry, and Kia K5, with average annual insurance rates of $1,736 per year or less.

    In the lower half of the top 20 cars to insure, cars like the Tesla Model 3, Chrysler 300, Honda Accord, Honda Civic, Volkswagen Arteon, and Kia Forte average between $1,736 and $1,890 per year for insurance in Houston.

    As a cost per month, auto insurance rates in this segment starts at an average of $124 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 Subaru Impreza at $1,490 per year, or $124 per month. For midsize 2023 models, the Subaru Legacy is cheapest to insure at $1,660 per year, or $138 per month. And for full-size sedans, the Chrysler 300 has the cheapest rates at $1,758 per year, or $147 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/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,490$124
    Volkswagen JettaCompact$1,646$137
    Subaru LegacyMidsize$1,660$138
    Nissan SentraCompact$1,672$139
    Toyota CorollaCompact$1,690$141
    Volkswagen GolfCompact$1,694$141
    Toyota PriusCompact$1,698$142
    Toyota CamryMidsize$1,710$143
    Mazda 3Compact$1,728$144
    Kia K5Midsize$1,736$145
    Chevrolet MalibuMidsize$1,752$146
    Chrysler 300Full-size$1,758$147
    Honda CivicCompact$1,764$147
    Kia ForteCompact$1,768$147
    Mitsubishi Mirage G4Compact$1,776$148
    Nissan LeafCompact$1,816$151
    Honda AccordMidsize$1,822$152
    Toyota CrownMidsize$1,828$152
    Tesla Model 3Midsize$1,840$153
    Volkswagen ArteonMidsize$1,890$158

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Houston, TX.Data last updated on May 5, 2023
      Cheapest Insurance for Cars in Houston

      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 Chevrolet Trailblazer at $1,362 per year, the Subaru Crosstrek at $1,374 per year, and the Nissan Kicks at $1,380 per year.

      Some other SUVs that have good average insurance rates are the Buick Envision, Kia Seltos, Mazda CX-5, and Buick Encore, with an average car insurance cost of $1,466 per year or less.

      Additional SUVs on the list include the Ford Edge, Mazda CX-30, Honda HR-V, and Hyundai Kona, which average between $1,466 and $1,548 per year for insurance in Houston.

      As a cost per month, auto insurance on this segment in Houston can cost as low as $114 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 Chevrolet Trailblazer at $1,362 per year. For midsize SUVs, the Honda Passport has the best rates at $1,398 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $1,688 per year.

      The rate comparison table below ranks the SUVs with the most affordable insurance in Houston, starting with the Chevrolet Trailblazer at $1,362 per year and ending with the Chevrolet Trax at $1,548 per year.

      Cheapest Insurance for SUVs in Houston
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$1,362$114
      Subaru CrosstrekCompact$1,374$115
      Nissan KicksCompact$1,380$115
      Honda PassportMidsize$1,398$117
      Nissan Rogue SportCompact$1,404$117
      Mazda CX-5Compact$1,416$118
      Buick EncoreCompact$1,434$120
      Buick EnvisionCompact$1,440$120
      Kia SeltosCompact$1,458$122
      Subaru AscentMidsize$1,466$122
      Hyundai VenueCompact$1,468$122
      Honda HR-VCompact$1,498$125
      Hyundai KonaCompact$1,510$126
      Subaru ForesterCompact$1,520$127
      Ford EdgeMidsize$1,526$127
      Honda CR-VCompact$1,526$127
      Mazda CX-30Compact$1,530$128
      Ford ExplorerMidsize$1,534$128
      Volkswagen AtlasMidsize$1,536$128
      Nissan MuranoMidsize$1,546$129

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Houston, TX.Data last updated on May 5, 2023
        Cheapest Insurance for SUVs in Houston

        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 Acura TLX, BMW 330i, Cadillac CT4, Acura Integra, and Genesis G70. Car insurance prices for these models average $160 or less per month.

        Not the cheapest, but still in the top 10, are luxury cars like the Lexus ES 250, Cadillac CT5, Lexus ES 350, and BMW 330e, with average insurance cost of $1,958 per year or less.

        In the bottom half of the top 20, models like the Volvo S60, BMW 230i, Lexus RC 350, Lexus RC 300, and Audi S3 average between $1,958 and $2,010 per year for insurance.

        Full-coverage car insurance for this segment in Houston for the average driver starts at an average of $135 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 $1,616 per year, or $135 per month. For midsize luxury car models, the Cadillac CT5 is the cheapest model to insure at $1,938 per year, or $162 per month. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $2,020 per year, or $168 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 $1,616 per year and ending with the Volvo S60 at $2,010 per year.

        Cheapest Insurance for Luxury Cars in Houston
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura IntegraCompact$1,616$135
        BMW 330iCompact$1,828$152
        Acura TLXCompact$1,858$155
        Cadillac CT4Compact$1,880$157
        Genesis G70Compact$1,918$160
        Cadillac CT5Midsize$1,938$162
        Lexus ES 350Midsize$1,942$162
        BMW 330eCompact$1,950$163
        Lexus ES 250Midsize$1,952$163
        BMW 228iCompact$1,958$163
        Lexus RC 300Midsize$1,958$163
        Mercedes-Benz AMG CLA35Midsize$1,964$164
        Audi A3Midsize$1,970$164
        BMW 230iCompact$1,972$164
        Mercedes-Benz C300Compact$1,988$166
        Audi A4Compact$1,994$166
        Lexus RC 350Compact$1,996$166
        Audi S3Compact$2,008$167
        Mercedes-Benz AMG CLA45Midsize$2,010$168
        Volvo S60Compact$2,010$168

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Houston, TX.Data last updated on May 5, 2023
          Cheapest Insurance for Luxury Cars in Houston

          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 Volvo XC40, Lexus RX 350, Infiniti QX50, Cadillac XT4, and Acura RDX. Car insurance prices for these models average $1,666 or less per year, or around $139 per month.

          Other luxury SUVs that have good average insurance rates are the Cadillac XT6, Mercedes-Benz GLA250, Lexus UX 250h, and Cadillac XT5, with average annual insurance rates of $1,752 per year or less.

          Ranked in the lower half of the top 20, SUVs like the Lincoln Nautilus, Lexus NX 250, Acura MDX, BMW X1, and Mercedes-Benz GLC300 average between $1,752 and $1,836 per year for insurance in Houston.

          Car insurance in Houston for this segment for the average driver will start around $125 per month, depending on your location.

          The cheapest small luxury SUV to insure in Houston is the Acura RDX at $1,500 per year. For midsize luxury models, the Lexus RX 350 is the cheapest model to insure at $1,612 per year. And for full-size luxury SUVs, the Volvo XC90 is most affordable to insure at $1,858 per year.

          The comparison table below ranks the SUVs with the cheapest insurance rates in Houston, starting with the Acura RDX at $125 per month and ending with the Mercedes-Benz GLC300 at $153 per month.

          Cheapest Insurance for Luxury SUVs in Houston
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,500$125
          Lexus RX 350Midsize$1,612$134
          Cadillac XT4Compact$1,624$135
          Volvo XC40Compact$1,656$138
          Infiniti QX50Midsize$1,666$139
          Lexus UX 250hCompact$1,686$141
          Cadillac XT5Midsize$1,710$143
          Mercedes-Benz GLA250Compact$1,748$146
          Cadillac XT6Midsize$1,752$146
          Mercedes-Benz GLB 250Compact$1,752$146
          Lexus NX 250Compact$1,774$148
          Acura MDXMidsize$1,790$149
          Lexus NX 350hCompact$1,798$150
          Lexus NX 350Compact$1,808$151
          Lincoln CorsairCompact$1,810$151
          Lexus NX 450hCompact$1,812$151
          Lincoln NautilusMidsize$1,824$152
          Alfa Romeo TonaleCompact$1,826$152
          BMW X1Compact$1,826$152
          Mercedes-Benz GLC300Compact$1,836$153

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Houston, TX.Data last updated on May 5, 2023
            Cheapest Insurance for Luxury SUVs in Houston

            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 Ford Maverick, Chevrolet Colorado, Nissan Frontier, Ford Ranger, and GMC Canyon. Auto insurance rates for these five pickups range from $1,496 to $1,636 per year.

            Also ranking well are pickups like the Hyundai Santa Cruz, Honda Ridgeline, Nissan Titan, and Ford F150, with average insurance cost of $1,830 per year or less.

            On a monthly basis, auto insurance rates in Houston on this segment for the average driver starts at around $125 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 Ford Maverick at $125 per month and ending with the Nissan Titan XD at $168 per month.

            Cheapest Insurance for Pickups in Houston
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Chevrolet ColoradoMidsize$1,496$125
            Ford MaverickMidsize$1,496$125
            Nissan FrontierMidsize$1,556$130
            Ford RangerMidsize$1,598$133
            GMC CanyonMidsize$1,636$136
            Toyota TacomaMidsize$1,646$137
            Hyundai Santa CruzMidsize$1,674$140
            Nissan TitanFull-size$1,782$149
            Honda RidgelineMidsize$1,788$149
            Ford F150Full-size$1,830$153
            GMC Sierra 2500 HDHeavy Duty$1,844$154
            Jeep GladiatorMidsize$1,874$156
            Toyota TundraFull-size$1,894$158
            GMC Sierra 3500Heavy Duty$1,904$159
            GMC SierraFull-size$1,964$164
            Ram TruckFull-size$1,968$164
            Chevrolet SilveradoFull-size$1,970$164
            Chevrolet Silverado HD 2500Heavy Duty$1,978$165
            Chevrolet Silverado HD 3500Heavy Duty$1,980$165
            Nissan Titan XDHeavy Duty$2,012$168

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Houston, TX.Data last updated on May 5, 2023
              Cheapest Insurance for Pickups in Houston

              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 Audi TT, Ford Mustang, BMW Z4, and Subaru WRX. The 2023 model costs an average of $1,664 per year for full-coverage auto insurance.

              Some other cars that are affordable to insure include the Subaru BRZ, BMW M2, Nissan Z, and Toyota GR86, with an average car insurance cost of $2,170 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 $139 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 $1,664 per year ($139 per month) and ending with the Lexus LC 500 at $2,706 per year ($226 per month).

              Cheapest Insurance for Sports Cars in Houston
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,664$139
              Audi TTSports Car$1,866$156
              Ford MustangSports Car$1,954$163
              BMW Z4Sports Car$1,968$164
              Subaru WRXSports Car$1,990$166
              Nissan ZSports Car$2,018$168
              Toyota GR SupraSports Car$2,052$171
              Toyota GR86Sports Car$2,078$173
              BMW M2Sports Car$2,080$173
              Subaru BRZSports Car$2,170$181
              Chevrolet CorvetteSports Car$2,222$185
              BMW M3Sports Car$2,270$189
              Lexus RC FSports Car$2,318$193
              Porsche 718Sports Car$2,320$193
              Chevrolet CamaroSports Car$2,358$197
              Mercedes-Benz AMG GT53Sports Car$2,500$208
              Jaguar F-TypeSports Car$2,584$215
              Porsche TaycanSports Car$2,642$220
              BMW M4Sports Car$2,676$223
              Lexus LC 500Sports Car$2,706$226

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Houston, TX.Data last updated on May 5, 2023
                Cheapest Insurance for Sports Cars in Houston

                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 $1,970 per year, ranging from a low of $1,762 per year for the Silverado WT Regular Cab 4WD trim level up to $2,184 per year for the Silverado ZR2 Crew Cab 4WD trim level.

                As a cost per month, car insurance rates for a Chevrolet Silverado for a safe driver can cost from $147 to $182 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 $1,634 to $4,502 per year, which is a price difference of $2,868.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
                Chevrolet Silverado Insurance Cost in Houston
                2023 Chevrolet Silverado Insurance Cost in Houston, TX
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,502$375
                Safe Driver Age 20$3,942$329
                At-fault Accidents Age 40$2,804$234
                Low Deductibles Age 40$2,524$210
                Safe Driver Age 30$2,060$172
                Safe Driver Age 40$1,970$164
                Safe Driver Age 50$1,800$150
                Safe Driver Age 60$1,764$147
                High Deductibles Age 40$1,686$141
                Discount Rate Age 40$1,634$136

                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 2023 Nissan Sentra are on the S trim level, costing an average of $1,622 per year, or around $135 per month. This model stickers at $19,950.

                The most expensive 2022 Nissan Sentra trim level to insure in Houston is the SR Midnight Edition model, costing an average of $1,716 per year, or about $143 per month. The retail cost for this model is $23,395, 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 $34 to $38 less per year in Houston, depending on the trim level being insured.

                On a monthly basis, full-coverage insurance on a 2023 Nissan Sentra for a good driver can cost from $135 to $143 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 $1,388 to $3,734 per year, which is a cost difference of $2,346.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
                Nissan Sentra Insurance Cost in Houston
                2023 Nissan Sentra Insurance Cost in Houston, TX
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,734$311
                Safe Driver Age 20$3,274$273
                At-fault Accidents Age 40$2,354$196
                Low Deductibles Age 40$2,108$176
                Safe Driver Age 30$1,744$145
                Safe Driver Age 40$1,672$139
                Safe Driver Age 50$1,520$127
                Safe Driver Age 60$1,488$124
                High Deductibles Age 40$1,442$120
                Discount Rate Age 40$1,388$116

                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 $1,526 per year, with a range of $1,478 per year on the CR-V EX trim (MSRP of $31,110) up to $1,604 per year on the CR-V Sport Touring Hybrid AWD trim level (MSRP of $38,600).

                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 $30 to $34 cheaper 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
                Honda CR-V Insurance Cost in Houston
                2023 Honda CR-V Insurance Cost in Houston, TX
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,488$291
                Safe Driver Age 20$3,052$254
                At-fault Accidents Age 40$2,164$180
                Low Deductibles Age 40$1,984$165
                Safe Driver Age 30$1,606$134
                Safe Driver Age 40$1,526$127
                Safe Driver Age 50$1,392$116
                Safe Driver Age 60$1,370$114
                High Deductibles Age 40$1,292$108
                Discount Rate Age 40$1,268$106

                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 $54 and $182 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 $308 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 $283 per year compared to a rating of 670-739. Conversely, a mediocre credit score could cost as much as $328 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 $474 per year. Being convicted of a serious infraction such as driving under the influence or reckless driving could raise rates by an additional $1,654 or more.