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Get Cheap Car Insurance in Midtown, Houston, TX
We monitor insurance prices, helping the average driver in Midtown save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Midtown
The chart below shows the cheapest car insurance company in Midtown 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Midtown Insurer | Monthly Cost |
|---|---|
| Clearcover | $47 |
| Mile Auto | $62 |
| Progressive | $64 |
| State Farm | $69 |
Savings for Every Kind of Midtown Driver
Based on our extensive insurance data, we know the average Midtown driver will save about 21% 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 $376 per year by choosing the right vehicle insurance company. Some Midtown residents are paying out over $1,828 extra every year for auto insurance in Midtown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Midtown, Houston, TX Savings / Yr. |
|---|---|
$376 |
|
$860 |
|
$759 |
|
$869 |
|
$1,323 |
|
$499 |
|
$546 |
Midtown Car Insurance vs. Houston
People living in Midtown pay an average of 6.47% less than the typical driver in the state. The average driver in Midtown can expect to pay about $1,089 per year, or $1,828 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Midtown for most people.
Car Insurance Prices by Midtown Neighborhood
Insurance Prices
Where is insurance cheapest within Midtown?
The map shows insurance prices in and around Midtown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $493 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,180 to a low of $1,687. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the West parts of Midtown.Pick the Best Car Insurance Company for You in Midtown
The best car insurance provider for most drivers in Midtown
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $376 over the average Midtown car insurance company.
The best car insurance provider for Midtown 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 $860 over the competition.
The best car insurance company for Midtown drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $759 better than other car insurance companies.
The best auto insurance for Midtown drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $869 less each year.
The least expensive car insurance company for new and young drivers in Midtown
In Midtown, State Farm costs young drivers $1,323 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Midtown
State Farm gave the largest car insurance discounts to married couples, averaging $499 saved each year compared to an average Midtown couple's premiums.
The cheapest car insurance in Midtown for drivers with bad credit
The best Midtown car insurance company for customer service
Recent price drops
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The cheapest large national provider in Midtown
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Midtown driver can expect to pay about $129 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 Midtown, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Midtown
What Influences the Cost of Car Insurance in Midtown?
On average, car insurance in Midtown 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 neighborhood are influenced by the following factors:
- The average commute time in Midtown is 27 minutes, which is a little less than average for a driver in the city.
- Texas state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Midtown are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Midtown is a fairly densely populated area in the state. The neighborhood’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 Midtown is $91 per month for minimum coverage and $152 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 Neighborhoods
- Fourth Ward: Insurance costs 3.61% more
- Montrose: Insurance costs 1.75% less
- Downtown Houston: Insurance costs 13.84% more
- Washington Avenue-Memorial Park: Insurance costs 2.90% more
- Rice Military: Insurance costs 3.61% more
- Rice: Insurance costs 2.95% less
- River Oaks: Insurance costs 0.27% less
- Medical: Insurance costs 3.83% more
- Greater Fifth Ward: Insurance costs 20.30% more
- Greater Heights: Insurance costs 4.65% more
Neighborhoods with Similar Populations
- Pleasant Valley: Insurance costs 20.40% less
- Northwest Spokane: Insurance costs 21.01% less
- Oak Park: Insurance costs 16.25% more
- Ocean Beach: Insurance costs 8.21% more
- Okolona: Insurance costs 22.10% more
- Old North End: Insurance costs 27.74% less
- Orchards Area: Insurance costs 19.47% less
- Original Daly City: Insurance costs 28.06% more
- Otay Mesa West: Insurance costs 12.31% more
- Palolo: Insurance costs 21.83% less