Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Houston, IL
We monitor insurance prices, helping the average driver in Houston save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Houston
The chart below shows the cheapest car insurance company in Houston for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Country Financial, Metromile, and American Family Insurance.
| Houston Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Country Financial | $54 |
| Metromile | $59 |
| American Family Insurance | $63 |
Savings for Every Kind of Houston Driver
Based on our extensive insurance data, we know the average Houston driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $345 per year by choosing the right vehicle insurance company. Some Houston residents are paying out over $1,477 extra every year for auto insurance in Houston. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Houston, IL Savings / Yr. |
|---|---|
$345 |
|
$649 |
|
$519 |
|
$545 |
|
$1,341 |
|
$386 |
|
$496 |
Houston Car Insurance vs. Illinois
People living in Houston pay an average of 2.24% less than the typical driver in the state. The average driver in Houston can expect to pay about $877 per year, or $1,477 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Houston for most people.
Car Insurance Prices by Houston Neighborhood
Insurance Prices
Where is insurance cheapest within Houston?
The map shows insurance prices in and around Houston, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $33 per year within the city boundaries, with insurance premiums ranging from a high of $1,478 to a low of $1,445. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Houston.Pick the Best Car Insurance Company for You in Houston
The best car insurance provider for most drivers in Houston
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $345 over the average Houston car insurance company.
The best car insurance provider for Houston drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $649 over the competition.
The best car insurance company for Houston drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $519 better than other car insurance companies.
The best auto insurance for Houston drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $545 less each year.
The least expensive car insurance company for new and young drivers in Houston
In Houston, State Farm costs young drivers $1,341 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Houston
State Farm gave the largest car insurance discounts to married couples, averaging $386 saved each year compared to an average Houston couple's premiums.
The cheapest car insurance in Houston for drivers with bad credit
The best Houston car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Houston, which was better than other insurers.
The cheapest large national provider in Houston
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Houston driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Houston, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, young drivers, drivers with bad credit, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Houston
What Influences the Cost of Car Insurance in Houston?
On average, car insurance in Houston is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Illinois state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Houston are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Houston has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Houston is $73 per month for minimum coverage and $123 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Baldwin: Insurance costs 0.47% more
- Sparta: Insurance costs 1.15% more
- Preston: Insurance costs 0.54% more
- Walsh: Insurance costs 2.98% more
- Tilden: Insurance costs 0.47% less
- Marissa: Insurance costs 0.61% more
- Old Marissa: Insurance costs 0.88% more
- Eden: Insurance costs 0.07% more
- Prairie: Insurance costs 0.41% less
- Clarmin: Insurance costs 1.49% more
Cities with Similar Populations
- McCanna: Insurance costs 7.52% less
- Marrtown: Insurance costs 37.03% less
- Marshwood: Insurance costs 7.58% less
- Martin: Insurance costs 5.82% less
- Martinsville: Insurance costs 46.24% more
- Mascot: Insurance costs 2.78% less
- Matlock: Insurance costs 34.66% more
- Maud: Insurance costs 2.91% less
- Maud: Insurance costs 20.51% more
- Maxine: Insurance costs 8.40% more