🚗 Car insurance cost in Houston, TX (2027)
Estimated average: $2,890 per year — +34% vs. the U.S. average of $2,150.
With about 2,314,157 residents, Houston is a major metro and the largest city in Texas. Car insurance rates here are estimated at $2,890 per year, above the Texas average of $2,580 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Houston with other Texas cities.
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Houston car insurance FAQ
How much is car insurance in Houston, TX?
The estimated average is $2,890 per year — above the state average (+12% vs. the Texas average of $2,580, and +34% vs. the U.S. average).
Is car insurance more expensive in Houston than elsewhere in Texas?
Houston has about 2,314,157 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Houston?
Compare at least three quotes from insurers active in Houston, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.