Car Insurance in Houston, TX – Cheapest Autos to Insure in 2022

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 $1,618 per year, or around $135 per month, for a full-coverage policy.
  • Car insurance rates for a few popular models in Houston include the Jeep Cherokee at $1,796 per year, Toyota Corolla at $1,592, and Chevrolet Equinox at $1,512.
  • For cheap car insurance in Houston, small crossovers like the Mazda CX-5, Nissan Kicks, Subaru Crosstrek, and Toyota C-HR cost less than most other makes and models.
  • Vehicles with segment-leading car insurance rates include the Mercedes-Benz A220 at $1,592 per year, Acura RDX at $1,388 per year, Ford F150 at $1,568 per year, and Chevrolet Colorado at $1,332 per year.

How much does car insurance cost in Houston?

In Houston, average auto insurance cost is $1,618 per year, which is 3.3% more than the overall U.S. national average rate of $1,567. Per month, Houston drivers can expect to pay an average of $135 for a policy with full coverage.

In the state of Texas, the average cost to insure a vehicle is $1,436 per year, so the cost in Houston averages $182 more per year. The cost to insure a vehicle in Houston compared to other Texas locations is around $156 per year more than in Arlington, $160 per year more than in San Antonio, and $232 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 – $5,800 per year or $483 per month
  • 17-year-old driver – $5,416 per year or $451 per month
  • 18-year-old driver – $5,060 per year or $422 per month
  • 19-year-old driver – $4,574 per year or $381 per month
  • 20-year-old driver – $3,212 per year or $268 per month
  • 30-year-old driver – $1,706 per year or $142 per month
  • 40-year-old driver – $1,618 per year or $135 per month
  • 50-year-old driver – $1,472 per year or $123 per month
  • 60-year-old driver – $1,444 per year or $120 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 2022 vehicle models including luxury brand cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 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 June 24, 2022
Houston, TX Car Insurance Cost Summary
Average Car Insurance Cost in Houston, TX
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,666$306
Safe Driver Age 20$3,212$268
At-fault Accidents Age 40$2,282$190
Low Deductibles Age 40$2,104$175
Safe Driver Age 30$1,706$142
Safe Driver Age 40$1,618$135
Safe Driver Age 50$1,472$123
Safe Driver Age 60$1,444$120
High Deductibles Age 40$1,370$114
Discount Rate Age 40$1,342$112

Average rates in the chart range from $1,342 per year for a middle-aged driver who receives an exceptional discount rate to $3,666 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 $1,618 per year.

As a monthly price, car insurance cost in Houston ranges from $112 to $306 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 2022 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 2022 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 June 24, 2022
Houston Car Insurance Rates for Popular Vehicles
Houston Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,300$108
Honda CR-V$1,416$118
Hyundai Tucson$1,504$125
Toyota RAV4$1,530$128
Ford F150$1,568$131
Nissan Sentra$1,580$132
Nissan Rogue$1,584$132
Toyota Camry$1,592$133
Toyota Corolla$1,592$133
Honda Civic$1,602$134
Toyota Highlander$1,626$136
Ford Bronco$1,628$136
Honda Pilot$1,642$137
GMC Sierra$1,650$138
Honda Accord$1,690$141
Hyundai Santa Fe$1,690$141
Ford Mustang$1,708$142
Chevrolet Silverado$1,740$145
Jeep Grand Cherokee$1,786$149
Ram Truck$1,850$154

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 Nissan Kicks, Mazda CX-5, and Buick Encore.

Average insurance rates for those compact SUVs cost $1,350 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, Toyota Corolla Cross, Mazda MX-5 Miata, and Subaru Ascent.

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 $1,404 or less per year ($117 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
1Mazda CX-5$1,230$103
2Nissan Kicks$1,262$105
3Chevrolet Trailblazer$1,270$106
4Honda Passport$1,300$108
5Subaru Crosstrek$1,300$108
6Toyota C-HR$1,330$111
7Chevrolet Colorado$1,332$111
8Buick Encore$1,340$112
9Nissan Rogue Sport$1,350$113
10Hyundai Venue$1,374$115
11Buick Envision$1,378$115
12Kia Seltos$1,380$115
13Ford Maverick$1,384$115
14Acura RDX$1,388$116
15Toyota Corolla Cross$1,388$116
16Subaru Ascent$1,390$116
17Hyundai Kona$1,400$117
18Subaru Forester$1,400$117
19Mazda MX-5 Miata$1,402$117
20Subaru Impreza$1,402$117
21Volkswagen Tiguan$1,404$117
22Chevrolet Spark$1,414$118
23Honda CR-V$1,416$118
24Cadillac XT4$1,422$119
25Mazda CX-30$1,430$119
26Ford Ranger$1,440$120
27Honda HR-V$1,456$121
28Ford Edge$1,458$122
29Ford Ecosport$1,468$122
30Subaru Outback$1,484$124

    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 June 24, 2022
    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 2022 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 June 24, 2022
    Average Houston Auto Insurance Rates by Vehicle Segment
    Houston Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,514$126
    Midsize Pickup$1,554$130
    Minivan$1,630$136
    Midsize SUV$1,636$136
    Compact Car$1,668$139
    Midsize Car$1,686$141
    Half-ton Pickup$1,760$147
    Compact Luxury SUV$1,822$152
    Large SUV$1,824$152
    Compact Luxury Car$1,838$153
    Large Car$1,874$156
    Heavy Duty Pickup$1,930$161
    Midsize Luxury SUV$1,954$163
    Midsize Luxury Car$2,144$179
    Sports Car$2,286$191
    Large Luxury SUV$2,446$204
    Large Luxury Car$2,562$214

    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 $1,402 per year to the Toyota Mirai costing $2,090 per year. As another example, in the large truck segment, average rates range from the Ford F150 at $1,568 per year to the GMC Hummer EV Pickup costing $2,060 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 Volkswagen Jetta, Chevrolet Spark, Subaru Impreza, Subaru Legacy, and Volkswagen Golf. Insurance rates for these vehicles average $1,576 or less per year, or around $131 per month.

    Not the cheapest in the list but still ranking well are cars like the Nissan Sentra, Toyota Corolla, Kia K5, and Toyota Camry, with average annual insurance rates of $1,592 per year or less.

    In the lower half of the top 20 cars to insure, cars like the Kia Forte, Kia Rio, Hyundai Accent, Honda Civic, Chevrolet Malibu, and Mazda 3 average between $1,592 and $1,684 per year for insurance in Houston.

    As a cost per month, auto insurance rates in this segment starts at an average of $117 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 $1,402 per year, or $117 per month. For midsize 2022 models, the Subaru Legacy is cheapest to insure at $1,568 per year, or $131 per month. And for full-size sedans, the Toyota Avalon has the cheapest rates at $1,698 per year, or $142 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$1,402$117
    Chevrolet SparkCompact$1,414$118
    Volkswagen GolfCompact$1,556$130
    Subaru LegacyMidsize$1,568$131
    Honda InsightMidsize$1,574$131
    Volkswagen JettaCompact$1,576$131
    Nissan SentraCompact$1,580$132
    Kia K5Midsize$1,590$133
    Toyota CamryMidsize$1,592$133
    Toyota CorollaCompact$1,592$133
    Kia RioCompact$1,594$133
    Volkswagen PassatMidsize$1,600$133
    Honda CivicCompact$1,602$134
    Mazda 3Compact$1,612$134
    Mazda 6Midsize$1,612$134
    Toyota PriusCompact$1,618$135
    Hyundai AccentCompact$1,638$137
    Hyundai VelosterCompact$1,652$138
    Kia ForteCompact$1,658$138
    Chevrolet MalibuMidsize$1,684$140

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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 June 24, 2022
      Cheapest Insurance for Cars in Houston

      A few popular models that were not in the top 20 cheapest table shown above include the Volkswagen GTI at an average of $1,620 per year ($135 per month), the Toyota Avalon at $1,658 ($138 per month), and the Nissan Maxima at $1,762 ($147 per month).

      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 Mazda CX-5 at $1,230 per year, the Nissan Kicks at $1,262 per year, and the Chevrolet Trailblazer at $1,270 per year.

      Some other SUVs that have good average insurance rates are the Nissan Rogue Sport, Hyundai Venue, Toyota C-HR, and Buick Encore, with an average car insurance cost of $1,378 per year or less.

      Additional SUVs on the list include the Subaru Forester, Honda CR-V, Subaru Ascent, and Toyota Corolla Cross, which average between $1,378 and $1,458 per year for insurance in Houston.

      As a cost per month, auto insurance on this segment in Houston can cost as low as $103 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 Mazda CX-5 at $1,230 per year. For midsize SUVs, the Honda Passport has the best rates at $1,300 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $1,624 per year.

      The rate comparison table below ranks the SUVs with the most affordable insurance in Houston, starting with the Mazda CX-5 at $1,230 per year and ending with the Ford Edge at $1,458 per year.

      Cheapest Insurance for SUVs in Houston
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,230$103
      Nissan KicksCompact$1,262$105
      Chevrolet TrailblazerCompact$1,270$106
      Honda PassportMidsize$1,300$108
      Subaru CrosstrekCompact$1,300$108
      Toyota C-HRCompact$1,330$111
      Buick EncoreCompact$1,340$112
      Nissan Rogue SportCompact$1,350$113
      Hyundai VenueCompact$1,374$115
      Buick EnvisionCompact$1,378$115
      Kia SeltosCompact$1,380$115
      Toyota Corolla CrossCompact$1,388$116
      Subaru AscentMidsize$1,390$116
      Hyundai KonaCompact$1,400$117
      Subaru ForesterCompact$1,400$117
      Volkswagen TiguanCompact$1,404$117
      Honda CR-VCompact$1,416$118
      Mazda CX-30Compact$1,430$119
      Honda HR-VCompact$1,456$121
      Ford EdgeMidsize$1,458$122

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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 June 24, 2022
        Cheapest Insurance for SUVs in Houston

        Some of the more popular SUVs that ranked out of the top 20 include the Nissan Rogue at $1,584 per year ($132 per month), the Ford Escape at $1,592 ($133 per month), and the GMC Yukon at an average of $1,800 ($150 per month).

        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 BMW 330i, Mercedes-Benz A220, Acura TLX, Acura ILX, and Volvo S60. Car insurance prices for these models average $145 or less per month.

        Not the cheapest, but still in the top 10, are luxury cars like the Lexus RC 300, BMW 330e, BMW 228i, and BMW 230i, with average insurance cost of $1,796 per year or less.

        In the bottom half of the top 20, models like the Audi S3, Mercedes-Benz AMG CLA35, Audi A3, Cadillac CT4, and Audi A4 average between $1,796 and $1,880 per year for insurance.

        Full-coverage car insurance for this segment in Houston for the average driver starts at an average of $124 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 Mercedes-Benz A220 at $1,592 per year, or $133 per month. For midsize luxury car models, the Acura ILX is the cheapest model to insure at $1,490 per year, or $124 per month. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $1,902 per year, or $159 per month.

        The next table ranks the twenty luxury cars with the lowest-cost average insurance rates in Houston, starting with the Acura ILX at $1,490 per year and ending with the Audi S3 at $1,880 per year.

        Cheapest Insurance for Luxury Cars in Houston
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,490$124
        Mercedes-Benz A220Compact$1,592$133
        BMW 330iCompact$1,710$143
        Acura TLXCompact$1,720$143
        Volvo S60Compact$1,738$145
        BMW 330eCompact$1,742$145
        BMW 228iCompact$1,754$146
        BMW 230iCompact$1,764$147
        Lexus RC 300Midsize$1,794$150
        Alfa Romeo GiuliaCompact$1,796$150
        Cadillac CT4Compact$1,800$150
        Lexus RC 350Compact$1,802$150
        Genesis G70Compact$1,828$152
        Mercedes-Benz AMG CLA35Midsize$1,836$153
        BMW i4Midsize$1,846$154
        Cadillac CT5Midsize$1,852$154
        Audi A3Midsize$1,872$156
        Audi A4Compact$1,874$156
        Audi S3Compact$1,880$157
        Mercedes-Benz AMG CLA45Midsize$1,880$157

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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 June 24, 2022
          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 Cadillac XT5, Cadillac XT4, Lexus NX 250, Volvo XC40, and Acura RDX. Car insurance prices for these models average $1,610 or less per year, or around $134 per month.

          Other luxury SUVs that have good average insurance rates are the Lexus NX 350, Lexus UX 250h, BMW X1, and Lexus NX 350h, with average annual insurance rates of $1,656 per year or less.

          Ranked in the lower half of the top 20, SUVs like the Lexus RX 450h, Jaguar E-Pace, Lexus RX 350, Land Rover Evoque, and Lincoln Corsair average between $1,656 and $1,714 per year for insurance in Houston.

          Car insurance in Houston for this segment for the average driver will start around $116 per month, depending on your location.

          The cheapest small luxury SUV to insure in Houston is the Acura RDX at $1,388 per year. For midsize luxury models, the Cadillac XT5 is the cheapest model to insure at $1,592 per year. And for full-size luxury SUVs, the Volvo XC90 is most affordable to insure at $1,752 per year.

          The comparison table below ranks the SUVs with the cheapest insurance rates in Houston, starting with the Acura RDX at $116 per month and ending with the Lincoln Corsair at $143 per month.

          Cheapest Insurance for Luxury SUVs in Houston
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,388$116
          Cadillac XT4Compact$1,422$119
          Volvo XC40Compact$1,558$130
          Cadillac XT5Midsize$1,592$133
          Lexus NX 250Compact$1,610$134
          BMW X1Compact$1,614$135
          Lexus NX 350hCompact$1,622$135
          Lexus UX 250hCompact$1,624$135
          Lexus NX 350Compact$1,650$138
          Lexus UX 200Compact$1,656$138
          Jaguar E-PaceMidsize$1,660$138
          Lexus RX 350Midsize$1,668$139
          Acura MDXMidsize$1,676$140
          Lincoln NautilusMidsize$1,690$141
          Lexus NX 450hCompact$1,696$141
          Mercedes-Benz GLB 250Compact$1,702$142
          Lexus RX 450hMidsize$1,706$142
          Infiniti QX50Midsize$1,712$143
          Land Rover EvoqueCompact$1,712$143
          Lincoln CorsairCompact$1,714$143

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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 June 24, 2022
            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 Chevrolet Colorado, Ford Maverick, Ford Ranger, Toyota Tacoma, and Nissan Frontier. Auto insurance rates for these five pickups range from $1,332 to $1,542 per year.

            Also ranking well are pickups like the GMC Canyon, Honda Ridgeline, Ford F150, and Jeep Gladiator, with average insurance cost of $1,590 per year or less.

            On a monthly basis, auto insurance rates in Houston on this segment for the average driver starts at around $111 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 $111 per month and ending with the GMC Sierra 3500 at $159 per month.

            Cheapest Insurance for Pickups in Houston
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Chevrolet ColoradoMidsize$1,332$111
            Ford MaverickMidsize$1,384$115
            Ford RangerMidsize$1,440$120
            Toyota TacomaMidsize$1,502$125
            Nissan FrontierMidsize$1,542$129
            Hyundai Santa CruzMidsize$1,556$130
            GMC CanyonMidsize$1,558$130
            Ford F150Full-size$1,568$131
            Honda RidgelineMidsize$1,578$132
            Jeep GladiatorMidsize$1,590$133
            GMC SierraFull-size$1,650$138
            Nissan TitanFull-size$1,710$143
            Chevrolet SilveradoFull-size$1,740$145
            Toyota TundraFull-size$1,742$145
            Ford F350 Super DutyHeavy Duty$1,760$147
            Chevrolet Silverado HD 3500Heavy Duty$1,772$148
            Nissan Titan XDHeavy Duty$1,822$152
            Ram TruckFull-size$1,850$154
            GMC Sierra 2500 HDHeavy Duty$1,888$157
            GMC Sierra 3500Heavy Duty$1,906$159

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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 June 24, 2022
              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 Ford Mustang, BMW Z4, Subaru WRX, and Toyota GR86. The 2022 model costs an average of $1,402 per year for full-coverage auto insurance.

              Some other cars that are affordable to insure include the BMW M3, Chevrolet Corvette, Toyota GR Supra, and Subaru BRZ, with an average car insurance cost of $2,096 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 $117 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 $1,402 per year ($117 per month) and ending with the Lexus LC 500 at $2,670 per year ($223 per month).

              Cheapest Insurance for Sports Cars in Houston
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,402$117
              Ford MustangSports Car$1,708$142
              BMW Z4Sports Car$1,744$145
              Subaru WRXSports Car$1,842$154
              Toyota GR86Sports Car$1,890$158
              Toyota GR SupraSports Car$1,928$161
              Audi TTSports Car$1,970$164
              Subaru BRZSports Car$2,034$170
              Chevrolet CorvetteSports Car$2,040$170
              BMW M3Sports Car$2,096$175
              Porsche 718Sports Car$2,190$183
              Chevrolet CamaroSports Car$2,244$187
              Lexus RC FSports Car$2,296$191
              Dodge ChallengerSports Car$2,306$192
              Mercedes-Benz AMG GT53Sports Car$2,338$195
              Jaguar F-TypeSports Car$2,446$204
              Porsche TaycanSports Car$2,512$209
              Porsche 911Sports Car$2,572$214
              BMW M4Sports Car$2,580$215
              Lexus LC 500Sports Car$2,670$223

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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 June 24, 2022
                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 $1,740 per year, ranging from a low of $1,534 per year for the Silverado WT Regular Cab 4WD trim level up to $1,904 per year for the Silverado High Country Crew Cab 4WD trim level.

                As a cost per month, car insurance rates for a Chevrolet Silverado for a safe driver can cost from $128 to $159 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 $1,442 to $3,986 per year, which is a price difference of $2,544.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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 June 24, 2022
                Chevrolet Silverado Insurance Cost in Houston
                Chevrolet Silverado Insurance Cost in Houston, TX
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,986$332
                Safe Driver Age 20$3,488$291
                At-fault Accidents Age 40$2,474$206
                Low Deductibles Age 40$2,250$188
                Safe Driver Age 30$1,828$152
                Safe Driver Age 40$1,740$145
                Safe Driver Age 50$1,588$132
                Safe Driver Age 60$1,558$130
                High Deductibles Age 40$1,480$123
                Discount Rate Age 40$1,442$120

                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 2022 Nissan Sentra are on the S trim level, costing an average of $1,520 per year, or around $127 per month. This model stickers at $19,510.

                The most expensive 2022 Nissan Sentra trim level to insure in Houston is the SR Premium model, costing an average of $1,654 per year, or about $138 per month. The retail cost for this model is $24,570, 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 $90 to $98 less per year in Houston, depending on the trim level being insured.

                On a monthly basis, full-coverage insurance on a 2022 Nissan Sentra for a good driver can cost from $127 to $138 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 $1,312 to $3,534 per year, which is a cost difference of $2,222.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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 June 24, 2022
                Nissan Sentra Insurance Cost in Houston
                Nissan Sentra Insurance Cost in Houston, TX
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,534$295
                Safe Driver Age 20$3,098$258
                At-fault Accidents Age 40$2,226$186
                Low Deductibles Age 40$1,994$166
                Safe Driver Age 30$1,646$137
                Safe Driver Age 40$1,580$132
                Safe Driver Age 50$1,438$120
                Safe Driver Age 60$1,408$117
                High Deductibles Age 40$1,364$114
                Discount Rate Age 40$1,312$109

                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 $1,416 per year, with a range of $1,332 per year on the CR-V LX trim (MSRP of $26,400) up to $1,512 per year on the CR-V Hybrid Touring trim level (MSRP of $37,400).

                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 $76 to $88 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 2022 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 June 24, 2022
                Honda CR-V Insurance Cost in Houston
                Honda CR-V Insurance Cost in Houston, TX
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,230$269
                Safe Driver Age 20$2,828$236
                At-fault Accidents Age 40$2,006$167
                Low Deductibles Age 40$1,840$153
                Safe Driver Age 30$1,490$124
                Safe Driver Age 40$1,416$118
                Safe Driver Age 50$1,292$108
                Safe Driver Age 60$1,270$106
                High Deductibles Age 40$1,200$100
                Discount Rate Age 40$1,178$98

                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 $49 and $169 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 $276 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 $254 per year compared to a rating of 670-739. Conversely, a mediocre credit score could cost as much as $294 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 $426 per year. Being convicted of a serious infraction such as driving under the influence or reckless driving could raise rates by an additional $1,482 or more.