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Get Cheap Car Insurance in Houston, MS
We monitor insurance prices, helping the average driver in Houston save up to 32.0% 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 Farm Bureau, Safeco Insurance, and Progressive.
| Houston Insurer | Monthly Cost |
|---|---|
| State Farm | $62 |
| Farm Bureau | $64 |
| Safeco Insurance | $66 |
| Progressive | $74 |
Savings for Every Kind of Houston Driver
Based on our extensive insurance data, we know the average Houston driver will save about 17% 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 $290 per year by choosing the right vehicle insurance company. Some Houston residents are paying out over $1,694 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, MS Savings / Yr. |
|---|---|
$290 |
|
$483 |
|
$377 |
|
$742 |
|
$1,719 |
|
$248 |
|
$756 |
Houston Car Insurance vs. Mississippi
People living in Houston pay an average of 0.79% less than the typical driver in the state. The average driver in Houston can expect to pay about $964 per year, or $1,694 for full coverage.
Based on our analysis, State Farm 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 $89 per year within the city boundaries, with insurance premiums ranging from a high of $1,742 to a low of $1,653. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest 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, State Farm is the best option, with annual savings of $290 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 $483 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 $377 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 $742 less each year.
The least expensive car insurance company for new and young drivers in Houston
In Houston, Farm Bureau costs young drivers $1,719 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Houston
Farm Bureau gave the largest car insurance discounts to married couples, averaging $248 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
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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 $118 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 married couples, drivers with bad credit, drivers with a DUI conviction, good drivers, drivers with speeding tickets, drivers with accidents, and young drivers.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:
- The average commute time in Houston is 25 minutes, which is far less than average for a driver in the state.
- Mississippi state insurance regulations may require higher 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 B- according to CrimeGrade.org.
- Houston is one of the most densely populated areas 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 $80 per month for minimum coverage and $141 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
- McCondy: Insurance costs 0.35% more
- Sonora: Insurance costs 1.59% less
- Woodland: Insurance costs 0.06% less
- Pyland: Insurance costs 1.89% less
- Sparta: Insurance costs 1.30% more
- Thorn: Insurance costs 2.42% less
- Van Vleet: Insurance costs 2.48% less
- Vardaman: Insurance costs 2.54% less
- Atlanta: Insurance costs 1.36% less
- Loyd: Insurance costs 4.66% less
Cities with Similar Populations
- Inverness: Insurance costs 7.73% less
- Hamlin: Insurance costs 21.72% more
- Hampden: Insurance costs 44.86% less
- Hampton: Insurance costs 0.65% more
- Harrisville: Insurance costs 18.06% less
- Hartland: Insurance costs 70.72% more
- Hawkinsville: Insurance costs 0.53% more
- Hazlehurst: Insurance costs 4.31% more
- Headland: Insurance costs 15.47% less
- Hickam Housing: Insurance costs 19.72% less