Car Insurance in Houston
Numbers refreshed
Texas averages sit behind car insurance in Houston, along with the way people drive there.
- $160Full coverage at the Texas average, per month.
- The state minimum limits are 30/60/25.
What drivers pay around Houston
For full coverage, the Texas average comes to $1,917 a year; for the legal minimum, it’s $893. In a big city, prices usually sit above the state average because of more traffic, more claims and more theft.
| Coverage in Texas | Per year | Per month |
|---|---|---|
| Liability | $893 | $74 |
| Collision | $569 | $47 |
| Comprehensive | $455 | $38 |
| Full coverage (all three) | $1,917 | $160 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving within Houston
| Census figure | Houston |
|---|---|
| People | 2,328,253 |
| Average trip to work | 27 minutes |
| Drive to work alone | 68% |
| Homes with no car | 10% |
| Median household income | $64,813 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate for you
The Texas calculator works out a price from your age, record and car. State rules are covered in Texas car insurance requirements.
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