Car Insurance in Houston, TX – Cheapest Autos to Insure in 2021

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.

Start QuoteCompare Houston car insurance rates and save on your next policy.

How much does car insurance cost in Houston?

In Houston, average auto insurance cost is $1,558 per year, which is 2.3% more than the overall U.S. national average rate of $1,523. Per month, Houston drivers can expect to pay an average of $130 for a policy with full coverage.

In the state of Texas, the average cost to insure a vehicle is $1,456 per year, so the cost in Houston averages $102 more per year. The cost to insure a vehicle in Houston compared to other Texas locations is around $152 per year more than in Arlington, $158 per year more than in San Antonio, and $228 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 – $5,578 per year or $465 per month
  • 17-year-old driver – $5,212 per year or $434 per month
  • 18-year-old driver – $4,864 per year or $405 per month
  • 19-year-old driver – $4,400 per year or $367 per month
  • 20-year-old driver – $3,092 per year or $258 per month
  • 30-year-old driver – $1,638 per year or $137 per month
  • 40-year-old driver – $1,558 per year or $130 per month
  • 50-year-old driver – $1,420 per year or $118 per month
  • 60-year-old driver – $1,392 per year or $116 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 2021 vehicle models including luxury brand cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2021 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.
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$3,528$294
Safe Driver Age 20$3,092$258
At-fault Accidents Age 40$2,196$183
Low Deductibles Age 40$2,022$169
Safe Driver Age 30$1,638$137
Safe Driver Age 40$1,558$130
Safe Driver Age 50$1,420$118
Safe Driver Age 60$1,392$116
High Deductibles Age 40$1,316$110
Discount Rate Age 40$1,294$108

Average rates in the chart range from $1,294 per year for a middle-aged driver who receives an exceptional discount rate to $3,528 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 $1,558 per year.

As a monthly price, car insurance cost in Houston ranges from $108 to $294 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 2021 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 2021 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.
Houston Car Insurance Rates for Popular Vehicles
Houston Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,252$104
Toyota Corolla$1,282$107
Hyundai Tucson$1,316$110
Nissan Rogue$1,384$115
Subaru Crosstrek$1,386$116
Nissan Sentra$1,392$116
Honda Civic$1,406$117
Honda Pilot$1,430$119
Toyota RAV4$1,492$124
Ford F150$1,550$129
Honda Accord$1,576$131
Toyota Camry$1,580$132
GMC Sierra$1,640$137
Hyundai Santa Fe$1,642$137
Ford Mustang$1,648$137
Toyota Highlander$1,662$139
Ford Bronco$1,676$140
Ram Truck$1,676$140
Chevrolet Silverado$1,714$143
Jeep Grand Cherokee$1,734$145

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 Honda CR-V, Mazda CX-3, and Toyota C-HR.

Average insurance rates for those compact SUVs cost $1,290 or less per year for a policy with full coverage.

Other vehicles that are ranked high in our overall cost comparison are the Hyundai Tucson, Nissan Kicks, Kia Sportage, and Hyundai Venue.

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 $1,322 or less per year ($110 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-3$1,206$101
2Chevrolet Spark$1,212$101
3Honda CR-V$1,252$104
4Mazda CX-5$1,270$106
5Mazda CX-30$1,272$106
6Kia Rio5$1,274$106
7Ford Ecosport$1,280$107
8Toyota C-HR$1,280$107
9Toyota Corolla$1,282$107
10Nissan Rogue Sport$1,290$108
11Hyundai Kona$1,292$108
12Chevrolet Trax$1,296$108
13Kia Sedona$1,302$109
14Buick Envision$1,304$109
15Chevrolet Colorado$1,304$109
16Hyundai Venue$1,308$109
17Nissan Kicks$1,308$109
18Mitsubishi Eclipse Cross$1,310$109
19Hyundai Tucson$1,316$110
20Kia Sportage$1,318$110
21Ford Edge$1,322$110
22Jeep Compass$1,322$110
23Kia Soul$1,324$110
24Acura RDX$1,326$111
25Volkswagen Golf$1,326$111
26Chevrolet Equinox$1,332$111
27Chevrolet Blazer$1,334$111
28Subaru Impreza$1,336$111
29Chevrolet Trailblazer$1,340$112
30Honda Passport$1,340$112

    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.
    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 segements 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 2021 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.
    Average Houston Auto Insurance Rates by Vehicle Segment
    Houston Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Large Van$1,408$117
    Small SUV$1,410$118
    Midsize Truck$1,414$118
    Midsize Van$1,456$121
    Midsize Minivan$1,476$123
    Small Car$1,526$127
    Midsize SUV$1,554$130
    Midsize Car$1,610$134
    Large Truck$1,642$137
    Small Luxury SUV$1,678$140
    Large SUV$1,680$140
    Large Car$1,748$146
    Midsize Luxury SUV$1,810$151
    Small Luxury Car$1,812$151
    Heavy Duty Truck$1,862$155
    Midsize Luxury Car$2,088$174
    Sports Car$2,210$184
    Large Luxury SUV$2,246$187
    Large Luxury Car$2,476$206
    Exotic Car$3,134$261

    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 Chevrolet Spark at $1,212 per year to the Toyota Mirai costing $1,914 per year. As another example, in the large truck segment, average rates range from the Ford F150 at $1,550 per year to the Chevrolet Silverado costing $1,714 per year, a difference of $164 within that segment.

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

    Cheapest car insurance rates in Houston

    The top five models for the cheapest Houston car insurance rates in the car segment (excluding luxury models) are the Subaru Impreza, Kia Rio5, Chevrolet Spark, Volkswagen Golf, and Toyota Corolla. Insurance rates for these vehicles average $1,336 or less per year, or around $111 per month.

    Not the cheapest in the list but still ranking well are cars like the Honda Civic, Kia Rio, Mazda 3, and Honda Insight, with average annual insurance rates of $1,434 per year or less.

    In the lower half of the top 20 cars to insure, cars like the Toyota Camry, Mazda 6, Kia Cadenza, Kia Forte, Volkswagen Passat, and Chevrolet Malibu average between $1,434 and $1,582 per year for insurance in Houston.

    As a cost per month, auto insurance rates in this segment starts at an average of $101 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 Chevrolet Spark at $1,212 per year, or $101 per month. For midsize 2021 models, the Honda Insight is cheapest to insure at $1,434 per year, or $120 per month. And for full-size sedans, the Kia Cadenza has the cheapest rates at $1,566 per year, or $131 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
    Chevrolet SparkCompact$1,212$101
    Kia Rio5Compact$1,274$106
    Toyota CorollaCompact$1,282$107
    Volkswagen GolfCompact$1,326$111
    Subaru ImprezaCompact$1,336$111
    Nissan SentraCompact$1,392$116
    Honda CivicCompact$1,406$117
    Mazda 3Compact$1,406$117
    Kia RioCompact$1,432$119
    Honda InsightMidsize$1,434$120
    Hyundai AccentCompact$1,444$120
    Mazda 6Midsize$1,462$122
    Kia ForteCompact$1,464$122
    Chevrolet MalibuMidsize$1,468$122
    Toyota PriusCompact$1,550$129
    Subaru LegacyMidsize$1,558$130
    Kia CadenzaFull-size$1,566$131
    Honda AccordMidsize$1,576$131
    Toyota CamryMidsize$1,580$132
    Volkswagen PassatMidsize$1,582$132

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 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.
      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 $1,598 per year ($133 per month), the Toyota Avalon at $1,672 ($139 per month), and the Nissan Maxima at $1,748 ($146 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-3 at $1,206 per year, the Honda CR-V at $1,252 per year, and the Mazda CX-5 at $1,270 per year.

      Some other SUVs that have good average insurance rates are the Hyundai Kona, Chevrolet Trax, Toyota C-HR, and Nissan Rogue Sport, with an average car insurance cost of $1,304 per year or less.

      Additional SUVs on the list include the Kia Sportage, Ford Edge, Hyundai Venue, and Mitsubishi Eclipse Cross, which average between $1,304 and $1,332 per year for insurance in Houston.

      As a cost per month, auto insurance on this segment in Houston can cost as low as $101 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-3 at $1,206 per year. For midsize SUVs, the Ford Edge has the best rates at $1,322 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $1,606 per year.

      The rate comparison table below ranks the SUVs with the most affordable insurance in Houston, starting with the Mazda CX-3 at $1,206 per year and ending with the Chevrolet Equinox at $1,332 per year.

      Cheapest Insurance for SUVs in Houston
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-3Compact$1,206$101
      Honda CR-VCompact$1,252$104
      Mazda CX-5Compact$1,270$106
      Mazda CX-30Compact$1,272$106
      Ford EcosportCompact$1,280$107
      Toyota C-HRCompact$1,280$107
      Nissan Rogue SportCompact$1,290$108
      Hyundai KonaCompact$1,292$108
      Chevrolet TraxCompact$1,296$108
      Buick EnvisionCompact$1,304$109
      Hyundai VenueCompact$1,308$109
      Nissan KicksCompact$1,308$109
      Mitsubishi Eclipse CrossCompact$1,310$109
      Hyundai TucsonCompact$1,316$110
      Kia SportageCompact$1,318$110
      Ford EdgeMidsize$1,322$110
      Jeep CompassCompact$1,322$110
      Kia SoulCompact$1,324$110
      Chevrolet EquinoxCompact$1,332$111
      Chevrolet BlazerMidsize$1,334$111

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 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.
        Cheapest Insurance for SUVs in Houston

        Some of the more popular SUVs that ranked out of the top 20 include the Nissan Rogue at $1,384 per year ($115 per month), the Ford Escape at $1,378 ($115 per month), and the GMC Yukon at an average of $1,742 ($145 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 Volvo S60, Mercedes-Benz A220, Lexus RC 300, Acura ILX, and BMW 330i. Car insurance prices for these models average $139 or less per month.

        Not the cheapest, but still in the top 10, are luxury cars like the Lexus ES 350, BMW Z4, Cadillac CT4, and Acura TLX, with average insurance cost of $1,720 per year or less.

        In the bottom half of the top 20, models like the Cadillac CT5, Lexus IS 300, Alfa Romeo Giulia, Mercedes-Benz AMG CLA45, and Audi S3 average between $1,720 and $1,790 per year for insurance.

        Full-coverage car insurance for this segment in Houston for the average driver starts at an average of $120 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 $1,510 per year, or $126 per month. For midsize luxury car models, the Acura ILX is the cheapest model to insure at $1,444 per year, or $120 per month. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $1,752 per year, or $146 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 $1,444 per year and ending with the Cadillac CT5 at $1,790 per year.

        Cheapest Insurance for Luxury Cars in Houston
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,444$120
        Mercedes-Benz A220Compact$1,510$126
        Volvo S60Compact$1,634$136
        Lexus RC 300Midsize$1,666$139
        BMW 330iCompact$1,672$139
        BMW Z4Compact$1,678$140
        Cadillac CT4Compact$1,680$140
        Acura TLXCompact$1,700$142
        Lexus ES 350Midsize$1,714$143
        Lexus RC 350Compact$1,720$143
        Mercedes-Benz AMG CLA45Midsize$1,726$144
        BMW i3Compact$1,728$144
        BMW 230iCompact$1,736$145
        Lexus IS 300Midsize$1,748$146
        Audi A5Full-size$1,752$146
        Genesis G70Compact$1,756$146
        Alfa Romeo GiuliaCompact$1,758$147
        Audi S3Compact$1,770$148
        Audi A3Midsize$1,772$148
        Cadillac CT5Midsize$1,790$149

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 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.
          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 V60, Cadillac XT4, Cadillac XT5, Volvo XC40, and Acura RDX. Car insurance prices for these models average $1,524 or less per year, or around $127 per month.

          Other luxury SUVs that have good average insurance rates are the Volvo XC60, Lincoln Nautilus, Lincoln Corsair, and Lexus UX 250H, with average annual insurance rates of $1,594 per year or less.

          Ranked in the lower half of the top 20, SUVs like the Mercedes-Benz GLC300, Lexus UX 200, Mercedes-Benz GLB 250, Lexus RX 350L, and Land Rover Defender average between $1,594 and $1,660 per year for insurance in Houston.

          Car insurance in Houston for this segment for the average driver will start around $111 per month, depending on your location.

          The cheapest small luxury SUV to insure in Houston is the Acura RDX at $1,326 per year. For midsize luxury models, the Volvo V60 is the cheapest model to insure at $1,488 per year. And for full-size luxury SUVs, the Volvo XC90 is most affordable to insure at $1,666 per year.

          The comparison table below ranks the SUVs with the cheapest insurance rates in Houston, starting with the Acura RDX at $111 per month and ending with the Land Rover Defender at $138 per month.

          Cheapest Insurance for Luxury SUVs in Houston
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,326$111
          Cadillac XT4Compact$1,372$114
          Volvo XC40Compact$1,400$117
          Volvo V60Midsize$1,488$124
          Cadillac XT5Midsize$1,524$127
          Lincoln CorsairCompact$1,546$129
          Lexus UX 250HCompact$1,558$130
          Lincoln NautilusMidsize$1,566$131
          Volvo XC60Compact$1,574$131
          Lexus RX 350Midsize$1,594$133
          Lexus UX 200Compact$1,596$133
          Mercedes-Benz GLB 250Compact$1,596$133
          BMW X1Compact$1,598$133
          Infiniti QX50Midsize$1,600$133
          Lexus NX 300Compact$1,608$134
          Jaguar E-PaceMidsize$1,610$134
          Mercedes-Benz GLC300Compact$1,618$135
          Lexus RX 350LMidsize$1,640$137
          Cadillac XT6Midsize$1,656$138
          Land Rover DefenderCompact$1,660$138

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 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.
            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, Nissan Frontier, Ford Ranger, Toyota Tacoma, and GMC Canyon. Auto insurance rates for these five pickups range from $1,304 to $1,486 per year.

            Also ranking well are pickups like the Honda Ridgeline, Toyota Tundra, Ford F150, and GMC Sierra, with average insurance cost of $1,640 per year or less.

            On a monthly basis, auto insurance rates in Houston on this segment for the average driver starts at around $109 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 $109 per month and ending with the Ram Truck 2500 at $157 per month.

            Cheapest Insurance for Pickups in Houston
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Chevrolet ColoradoMidsize$1,304$109
            Nissan FrontierMidsize$1,368$114
            Ford RangerMidsize$1,370$114
            Toyota TacomaMidsize$1,372$114
            GMC CanyonMidsize$1,486$124
            Jeep GladiatorMidsize$1,500$125
            Honda RidgelineMidsize$1,516$126
            Ford F150Full-size$1,550$129
            Toyota TundraFull-size$1,582$132
            GMC SierraFull-size$1,640$137
            Ram TruckFull-size$1,676$140
            Nissan TitanFull-size$1,680$140
            Chevrolet SilveradoFull-size$1,714$143
            Chevrolet Silverado HD 3500Heavy Duty$1,746$146
            GMC Sierra 2500 HDHeavy Duty$1,812$151
            Chevrolet Silverado HD 2500Heavy Duty$1,824$152
            GMC Sierra 3500Heavy Duty$1,858$155
            Ford F350 Super DutyHeavy Duty$1,882$157
            Ford F250 Super DutyHeavy Duty$1,884$157
            Ram Truck 2500Heavy Duty$1,886$157

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 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.
              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, Audi TT, Subaru WRX, and Nissan 370Z. The 2021 model costs an average of $1,350 per year for full-coverage auto insurance.

              Some other cars that are affordable to insure include the Chevrolet Camaro, Chevrolet Corvette, Toyota Supra, and Porsche 718, with an average car insurance cost of $1,992 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 $113 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 $1,350 per year ($113 per month) and ending with the Mercedes-Benz Maybach at $3,160 per year ($263 per month).

              Cheapest Insurance for Sports Cars in Houston
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,350$113
              Ford MustangSports Car$1,648$137
              Audi TTSports Car$1,756$146
              Subaru WRXSports Car$1,780$148
              Nissan 370ZSports Car$1,810$151
              Toyota SupraSports Car$1,818$152
              Subaru BRZSports Car$1,898$158
              Porsche 718Sports Car$1,934$161
              Chevrolet CorvetteSports Car$1,944$162
              Chevrolet CamaroSports Car$1,992$166
              Dodge ChallengerSports Car$2,134$178
              Jaguar F-TypeSports Car$2,408$201
              Lexus LC 500Sports Car$2,500$208
              Porsche 911Sports Car$2,592$216
              Acura NSXSports Car$2,954$246
              BMW i8Sports Car$2,956$246
              Audi R8Sports Car$3,178$265
              Nissan GT-RSports Car$3,178$265

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 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.
                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

                Insurance for a Chevrolet Silverado in Houston averages $1,714 per year, or about $143 per month, and ranges from $1,420 to $3,918.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 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.
                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$3,918$327
                Safe Driver Age 20$3,428$286
                At-fault Accidents Age 40$2,436$203
                Low Deductibles Age 40$2,212$184
                Safe Driver Age 30$1,798$150
                Safe Driver Age 40$1,714$143
                Safe Driver Age 50$1,564$130
                Safe Driver Age 60$1,538$128
                High Deductibles Age 40$1,460$122
                Discount Rate Age 40$1,420$118

                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, Nissan Sentra insurance costs an average of $1,392 per year (about $116 per month) and varies from $1,156 to $3,102 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 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.
                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$3,102$259
                Safe Driver Age 20$2,718$227
                At-fault Accidents Age 40$1,952$163
                Low Deductibles Age 40$1,766$147
                Safe Driver Age 30$1,456$121
                Safe Driver Age 40$1,392$116
                Safe Driver Age 50$1,264$105
                Safe Driver Age 60$1,238$103
                High Deductibles Age 40$1,194$100
                Discount Rate Age 40$1,156$96

                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 $1,252 per year, or around $104 per month, and varies from $1,040 to $2,840 annually.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 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.
                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$2,840$237
                Safe Driver Age 20$2,486$207
                At-fault Accidents Age 40$1,758$147
                Low Deductibles Age 40$1,642$137
                Safe Driver Age 30$1,322$110
                Safe Driver Age 40$1,252$104
                Safe Driver Age 50$1,142$95
                Safe Driver Age 60$1,122$94
                High Deductibles Age 40$1,052$88
                Discount Rate Age 40$1,040$87

                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 $47 and $157 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 $264 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 $245 per year compared to a rating of 670-739. Conversely, a mediocre credit score could cost as much as $284 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 $408 per year. Being convicted of a serious infraction such as driving under the influence or reckless driving could raise rates by an additional $1,428 or more.