- Average car insurance cost in Houston is $1,838 per year, or around $153 per month, for a full-coverage policy.
- Car insurance rates for a few popular models in Houston include the Jeep Cherokee at $1,996 per year, Toyota Corolla at $1,728, and Chevrolet Equinox at $1,656.
- 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 $1,650 per year, Acura RDX at $1,532 per year, Nissan Titan at $1,822 per year, and Ford Maverick at $1,528 per year.
How much does car insurance cost in Houston?
In Houston, average auto insurance cost is $1,838 per year, which is 6.2% more than the overall U.S. national average rate of $1,728. Per month, Houston drivers can expect to pay an average of $153 for a policy with full coverage.
In the state of Texas, the average cost to insure a vehicle is $1,676 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 $160 per year more than in Arlington, $166 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 – $6,588 per year or $549 per month
- 17-year-old driver – $6,162 per year or $514 per month
- 18-year-old driver – $5,754 per year or $480 per month
- 19-year-old driver – $5,210 per year or $434 per month
- 20-year-old driver – $3,658 per year or $305 per month
- 30-year-old driver – $1,936 per year or $161 per month
- 40-year-old driver – $1,838 per year or $153 per month
- 50-year-old driver – $1,674 per year or $140 per month
- 60-year-old driver – $1,642 per year or $137 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.
Average rates in the chart range from $1,526 per year for a middle-aged driver who receives an exceptional discount rate to $4,178 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 $1,838 per year.
As a monthly price, car insurance cost in Houston ranges from $127 to $348 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 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.
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 $1,468 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 $1,556 or less per year ($130 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 Cost | Monthly Cost |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,390 | $116 |
| 2 | Subaru Crosstrek | $1,404 | $117 |
| 3 | Nissan Kicks | $1,408 | $117 |
| 4 | Honda Passport | $1,430 | $119 |
| 5 | Nissan Rogue Sport | $1,432 | $119 |
| 6 | Mazda CX-5 | $1,444 | $120 |
| 7 | Buick Encore | $1,462 | $122 |
| 8 | Buick Envision | $1,468 | $122 |
| 9 | Kia Seltos | $1,488 | $124 |
| 10 | Subaru Ascent | $1,496 | $125 |
| 11 | Hyundai Venue | $1,502 | $125 |
| 12 | Subaru Impreza | $1,520 | $127 |
| 13 | Ford Maverick | $1,528 | $127 |
| 14 | Honda HR-V | $1,530 | $128 |
| 15 | Acura RDX | $1,532 | $128 |
| 16 | Chevrolet Colorado | $1,532 | $128 |
| 17 | Hyundai Kona | $1,540 | $128 |
| 18 | Subaru Forester | $1,550 | $129 |
| 19 | Ford Edge | $1,556 | $130 |
| 20 | Honda CR-V | $1,556 | $130 |
| 21 | Mazda CX-30 | $1,562 | $130 |
| 22 | Ford Explorer | $1,564 | $130 |
| 23 | Volkswagen Atlas | $1,568 | $131 |
| 24 | Nissan Murano | $1,576 | $131 |
| 25 | Chevrolet Trax | $1,580 | $132 |
| 26 | Subaru Outback | $1,580 | $132 |
| 27 | Nissan Frontier | $1,588 | $132 |
| 28 | Volkswagen Tiguan | $1,594 | $133 |
| 29 | Ford Bronco Sport | $1,600 | $133 |
| 30 | GMC Terrain | $1,630 | $136 |
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 Subaru Impreza at $1,520 per year to the Toyota Mirai costing $2,284 per year. As another example, in the large truck segment, average rates range from the Nissan Titan at $1,822 per year to the GMC Hummer EV Pickup costing $2,322 per year, a difference of $500 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 $1,728 or less per year, or around $144 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 $1,776 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 $1,776 and $1,932 per year for insurance in Houston.
As a cost per month, auto insurance rates in this segment starts at an average of $127 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 $1,520 per year, or $127 per month. For midsize 2023 models, the Subaru Legacy is cheapest to insure at $1,692 per year, or $141 per month. And for full-size sedans, the Chrysler 300 has the cheapest rates at $1,790 per year, or $149 per month.
The rate comparison table below ranks the cars with the cheapest average insurance rates in Houston.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,520 | $127 |
| Volkswagen Jetta | Compact | $1,680 | $140 |
| Subaru Legacy | Midsize | $1,692 | $141 |
| Nissan Sentra | Compact | $1,706 | $142 |
| Toyota Corolla | Compact | $1,728 | $144 |
| Toyota Prius | Compact | $1,730 | $144 |
| Volkswagen Golf | Compact | $1,730 | $144 |
| Toyota Camry | Midsize | $1,748 | $146 |
| Mazda 3 | Compact | $1,766 | $147 |
| Kia K5 | Midsize | $1,776 | $148 |
| Chevrolet Malibu | Midsize | $1,790 | $149 |
| Chrysler 300 | Full-size | $1,790 | $149 |
| Honda Civic | Compact | $1,798 | $150 |
| Kia Forte | Compact | $1,804 | $150 |
| Mitsubishi Mirage G4 | Compact | $1,812 | $151 |
| Nissan Leaf | Compact | $1,856 | $155 |
| Honda Accord | Midsize | $1,860 | $155 |
| Toyota Crown | Midsize | $1,864 | $155 |
| Tesla Model 3 | Midsize | $1,880 | $157 |
| Volkswagen Arteon | Midsize | $1,932 | $161 |
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 $1,390 per year, the Subaru Crosstrek at $1,404 per year, and the Nissan Kicks at $1,408 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 $1,496 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 $1,496 and $1,580 per year for insurance in Houston.
As a cost per month, auto insurance on this segment in Houston can cost as low as $116 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 $1,390 per year. For midsize SUVs, the Honda Passport has the best rates at $1,430 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $1,720 per year.
The rate comparison table below ranks the SUVs with the most affordable insurance in Houston, starting with the Chevrolet Trailblazer at $1,390 per year and ending with the Chevrolet Trax at $1,580 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $1,390 | $116 |
| Subaru Crosstrek | Compact | $1,404 | $117 |
| Nissan Kicks | Compact | $1,408 | $117 |
| Honda Passport | Midsize | $1,430 | $119 |
| Nissan Rogue Sport | Compact | $1,432 | $119 |
| Mazda CX-5 | Compact | $1,444 | $120 |
| Buick Encore | Compact | $1,462 | $122 |
| Buick Envision | Compact | $1,468 | $122 |
| Kia Seltos | Compact | $1,488 | $124 |
| Subaru Ascent | Midsize | $1,496 | $125 |
| Hyundai Venue | Compact | $1,502 | $125 |
| Honda HR-V | Compact | $1,530 | $128 |
| Hyundai Kona | Compact | $1,540 | $128 |
| Subaru Forester | Compact | $1,550 | $129 |
| Ford Edge | Midsize | $1,556 | $130 |
| Honda CR-V | Compact | $1,556 | $130 |
| Mazda CX-30 | Compact | $1,562 | $130 |
| Ford Explorer | Midsize | $1,564 | $130 |
| Volkswagen Atlas | Midsize | $1,568 | $131 |
| Nissan Murano | Midsize | $1,576 | $131 |
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 $163 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 $2,002 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 $2,002 and $2,056 per year for insurance.
Full-coverage car insurance for this segment in Houston for the average driver starts at an average of $138 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 $1,650 per year, or $138 per month. For midsize luxury car models, the Cadillac CT5 is the cheapest model to insure at $1,980 per year, or $165 per month. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $2,062 per year, or $172 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 $1,650 per year and ending with the Volvo S60 at $2,056 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,650 | $138 |
| BMW 330i | Compact | $1,866 | $156 |
| Acura TLX | Compact | $1,896 | $158 |
| Cadillac CT4 | Compact | $1,918 | $160 |
| Genesis G70 | Compact | $1,956 | $163 |
| Cadillac CT5 | Midsize | $1,980 | $165 |
| Lexus ES 350 | Midsize | $1,982 | $165 |
| BMW 330e | Compact | $1,992 | $166 |
| Lexus ES 250 | Midsize | $1,998 | $167 |
| Lexus RC 300 | Midsize | $1,998 | $167 |
| BMW 228i | Compact | $2,002 | $167 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,002 | $167 |
| Audi A3 | Midsize | $2,012 | $168 |
| BMW 230i | Compact | $2,016 | $168 |
| Mercedes-Benz C300 | Compact | $2,028 | $169 |
| Audi A4 | Compact | $2,034 | $170 |
| Lexus RC 350 | Compact | $2,042 | $170 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,048 | $171 |
| Audi S3 | Compact | $2,050 | $171 |
| Volvo S60 | Compact | $2,056 | $171 |
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 $1,700 or less per year, or around $142 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 $1,788 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 $1,788 and $1,870 per year for insurance in Houston.
Car insurance in Houston for this segment for the average driver will start around $128 per month, depending on your location.
The cheapest small luxury SUV to insure in Houston is the Acura RDX at $1,532 per year. For midsize luxury models, the Lexus RX 350 is the cheapest model to insure at $1,646 per year. And for full-size luxury SUVs, the Volvo XC90 is most affordable to insure at $1,896 per year.
The comparison table below ranks the SUVs with the cheapest insurance rates in Houston, starting with the Acura RDX at $128 per month and ending with the Mercedes-Benz GLC300 at $156 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,532 | $128 |
| Lexus RX 350 | Midsize | $1,646 | $137 |
| Cadillac XT4 | Compact | $1,656 | $138 |
| Volvo XC40 | Compact | $1,692 | $141 |
| Infiniti QX50 | Midsize | $1,700 | $142 |
| Lexus UX 250h | Compact | $1,718 | $143 |
| Cadillac XT5 | Midsize | $1,746 | $146 |
| Mercedes-Benz GLA250 | Compact | $1,782 | $149 |
| Cadillac XT6 | Midsize | $1,788 | $149 |
| Mercedes-Benz GLB 250 | Compact | $1,788 | $149 |
| Lexus NX 250 | Compact | $1,810 | $151 |
| Acura MDX | Midsize | $1,830 | $153 |
| Lexus NX 350h | Compact | $1,832 | $153 |
| Lexus NX 350 | Compact | $1,844 | $154 |
| Lincoln Corsair | Compact | $1,848 | $154 |
| Lexus NX 450h | Compact | $1,854 | $155 |
| Lincoln Nautilus | Midsize | $1,864 | $155 |
| Alfa Romeo Tonale | Compact | $1,868 | $156 |
| BMW X1 | Compact | $1,868 | $156 |
| Mercedes-Benz GLC300 | Compact | $1,870 | $156 |
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 $1,528 to $1,672 per year.
Also ranking well are pickups like the Hyundai Santa Cruz, Honda Ridgeline, Nissan Titan, and Ford F150, with average insurance cost of $1,870 per year or less.
On a monthly basis, auto insurance rates in Houston on this segment for the average driver starts at around $127 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 $127 per month and ending with the Nissan Titan XD at $171 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,528 | $127 |
| Chevrolet Colorado | Midsize | $1,532 | $128 |
| Nissan Frontier | Midsize | $1,588 | $132 |
| Ford Ranger | Midsize | $1,634 | $136 |
| GMC Canyon | Midsize | $1,672 | $139 |
| Toyota Tacoma | Midsize | $1,682 | $140 |
| Hyundai Santa Cruz | Midsize | $1,710 | $143 |
| Nissan Titan | Full-size | $1,822 | $152 |
| Honda Ridgeline | Midsize | $1,828 | $152 |
| Ford F150 | Full-size | $1,870 | $156 |
| GMC Sierra 2500 HD | Heavy Duty | $1,882 | $157 |
| Jeep Gladiator | Midsize | $1,912 | $159 |
| Toyota Tundra | Full-size | $1,932 | $161 |
| GMC Sierra 3500 | Heavy Duty | $1,942 | $162 |
| GMC Sierra | Full-size | $2,008 | $167 |
| Ram Truck | Full-size | $2,012 | $168 |
| Chevrolet Silverado | Full-size | $2,014 | $168 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,018 | $168 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,022 | $169 |
| Nissan Titan XD | Heavy Duty | $2,056 | $171 |
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 $1,698 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 $2,218 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 $142 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 $1,698 per year ($142 per month) and ending with the Lexus LC 500 at $2,766 per year ($231 per month).
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,698 | $142 |
| Audi TT | Sports Car | $1,904 | $159 |
| Ford Mustang | Sports Car | $1,994 | $166 |
| BMW Z4 | Sports Car | $2,010 | $168 |
| Subaru WRX | Sports Car | $2,032 | $169 |
| Nissan Z | Sports Car | $2,064 | $172 |
| Toyota GR Supra | Sports Car | $2,098 | $175 |
| Toyota GR86 | Sports Car | $2,124 | $177 |
| BMW M2 | Sports Car | $2,134 | $178 |
| Subaru BRZ | Sports Car | $2,218 | $185 |
| Chevrolet Corvette | Sports Car | $2,270 | $189 |
| BMW M3 | Sports Car | $2,320 | $193 |
| Lexus RC F | Sports Car | $2,366 | $197 |
| Porsche 718 | Sports Car | $2,370 | $198 |
| Chevrolet Camaro | Sports Car | $2,408 | $201 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,548 | $212 |
| Jaguar F-Type | Sports Car | $2,640 | $220 |
| Porsche Taycan | Sports Car | $2,696 | $225 |
| BMW M4 | Sports Car | $2,734 | $228 |
| Lexus LC 500 | Sports Car | $2,766 | $231 |
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 $2,014 per year, ranging from a low of $1,800 per year for the Silverado WT Regular Cab 4WD trim level up to $2,230 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 $150 to $186 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 $1,668 to $4,602 per year, which is a price difference of $2,934.
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 $1,656 per year, or around $138 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 $1,750 per year, or about $146 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 $24 to $24 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 $138 to $146 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 $1,420 to $3,812 per year, which is a cost difference of $2,392.
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 $1,556 per year, with a range of $1,508 per year on the CR-V EX trim (MSRP of $31,110) up to $1,636 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 $22 to $24 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.
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 $55 and $186 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 $312 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 $289 per year compared to a rating of 670-739. Conversely, a mediocre credit score could cost as much as $335 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 $482 per year. Being convicted of a serious infraction such as driving under the influence or reckless driving could raise rates by an additional $1,692 or more.