Insurance
How Much Does Car Insurance Cost in Houston, TX?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Avg Cost
$2.016
4% below avg
Cost Range
$1.152 – $2.880
National Avg
$2.100
State Avg
$2.020
Cost Index
96/100
Cost Overview
Typical Cost Range
$1.152 – $2.880
-4% vs national average
$1.152$2.016$2.880
LowNational avg: $2.100High
Houston vs State & National Average
| Category | Houston | Texas Avg | National Avg |
|---|---|---|---|
| Average cost | $2.016 | $2.020 | $2.100 |
| Low estimate | $1.152 | $1.515 | $1.575 |
| High estimate | $2.880 | $2.626 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $384 | $864 | per year |
| Full coverage | $1.152 | $2.880 | per year |
| Good driver discount | $-192 | $-480 | savings |
| Young driver surcharge | $480 | $1.920 | additional |
Compare Houston with Other Cities
See how car insurance costs compare across the country.
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in Houston?
In Houston, TX, car insurance typically costs between $1.152 and $2.880. The average is $2.016, which is 4% below the national average.
Is Houston expensive for car insurance?
Houston has a cost-of-living index of 96 (100 = national average). Car Insurance costs are 4% lower than the national average of $2.100.
What factors affect car insurance costs in Houston?
Key factors include local labor costs, cost of materials, market competition, Texas state regulations, and Houston's overall cost of living (index: 96/100). Prices can also vary by season and specific requirements.