For a 40-year-old driver with a clean record, Houston car insurance averages about $246 a month ($2,956 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% above the Texas average of $209 a month. State Farm has the lowest full-coverage average of the insurers we price that are open to all drivers, at about $215 a month.
Houston is the second-most expensive place in our Texas data, behind only neighboring Galena Park, and Harris County is the most expensive of the 179 Texas counties we price. Our benchmark driver pays about $37 a month more here than the state average.
Our data covers 94 ZIP codes with a Houston mailing address, from about $210 a month in 77059 to $267 in 77060 and 77074.
Cost data comes from the auto rates insurers file with state regulators, priced across all 94 Houston ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
Full coverage in Houston averages $2,956 a year, or about $246 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,058 a year ($88 a month), and 50/100/50 liability with comprehensive and collision averages $2,673 ($223 a month).
State Farm has the lowest full-coverage average among the insurers in our Houston rate data that are open to all drivers. USAA, which sells only to military members, veterans and their families, has a lower average still ($194 a month), but we don’t rank it. Texas Farm Bureau, Allstate and Farmers are priced from published rate studies, scaled to our benchmark driver, so they’re marked with an asterisk in the table. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among the insurers we price that are open to all drivers, at about $77 a month, followed by GEICO at $93. USAA, which sells only to military families, is lower still, at about $57 a month.
Full-coverage averages by insurer in Houston
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $685 | $57 | $2,328 | $194 |
| State Farm | $924 | $77 | $2,575 | $215 |
| Auto Club (AAA) | $1,264 | $105 | $2,775 | $231 |
| GEICO | $1,111 | $93 | $3,155 | $263 |
| Progressive | $1,308 | $109 | $3,946 | $329 |
| Texas Farm Bureau* | $671 | $56 | $1,658 | $138 |
| Allstate* | $1,858 | $155 | $5,272 | $439 |
| Farmers* | $1,702 | $142 | $5,477 | $456 |
| Houston average | $1,058 | $88 | $2,956 | $246 |
This table uses Houston ZIP codes only. See how we calculated these rates.
Across the 94 Houston ZIP codes we price, full coverage for our driver ranges from about $210 a month in 77059 to $267 in 77060 and 77074, a gap of $679 a year. Clear Lake-area ZIP codes such as 77058, 77059 and 77062, near NASA’s Johnson Space Center, are the least expensive in our data, and north and southwest Houston ZIP codes such as 77060 and 77074 are the most expensive.
Lowest-priced Houston ZIP codes
Highest-priced Houston ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Houston’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 77002 | $1,008 | $84 | $2,863 | $239 | -3% |
| 77003 | $1,038 | $87 | $2,969 | $247 | About average |
| 77004 | $1,054 | $88 | $2,995 | $250 | +2% |
| 77005 | $983 | $82 | $2,700 | $225 | -9% |
| 77006 | $1,000 | $83 | $2,785 | $232 | -6% |
| 77007 | $961 | $80 | $2,709 | $226 | -8% |
| 77008 | $1,004 | $84 | $2,790 | $233 | -5% |
| 77009 | $1,022 | $85 | $2,854 | $238 | -3% |
| 77011 | $1,051 | $88 | $3,017 | $251 | +2% |
| 77012 | $1,077 | $90 | $3,074 | $256 | +4% |
| 77013 | $1,066 | $89 | $3,030 | $253 | +3% |
| 77014 | $1,114 | $93 | $3,083 | $257 | +4% |
| 77015 | $1,020 | $85 | $2,901 | $242 | -2% |
| 77016 | $1,080 | $90 | $3,126 | $261 | +6% |
| 77017 | $1,084 | $90 | $3,069 | $256 | +4% |
| 77018 | $1,042 | $87 | $2,896 | $241 | -2% |
| 77019 | $967 | $81 | $2,701 | $225 | -9% |
| 77020 | $1,068 | $89 | $3,045 | $254 | +3% |
| 77021 | $1,072 | $89 | $3,042 | $254 | +3% |
| 77022 | $1,075 | $90 | $3,086 | $257 | +4% |
| 77023 | $1,074 | $90 | $3,048 | $254 | +3% |
| 77024 | $1,010 | $84 | $2,749 | $229 | -7% |
| 77025 | $996 | $83 | $2,710 | $226 | -8% |
| 77026 | $1,069 | $89 | $3,080 | $257 | +4% |
| 77027 | $974 | $81 | $2,737 | $228 | -7% |
| 77028 | $1,086 | $91 | $3,117 | $260 | +6% |
| 77029 | $1,072 | $89 | $3,027 | $252 | +2% |
| 77030 | $992 | $83 | $2,774 | $231 | -6% |
| 77031 | $1,123 | $94 | $3,097 | $258 | +5% |
| 77032 | $1,091 | $91 | $3,126 | $261 | +6% |
| 77033 | $1,109 | $92 | $3,131 | $261 | +6% |
| 77034 | $999 | $83 | $2,794 | $233 | -5% |
| 77035 | $1,123 | $94 | $3,074 | $256 | +4% |
| 77036 | $1,153 | $96 | $3,178 | $265 | +8% |
| 77037 | $1,105 | $92 | $3,193 | $266 | +8% |
| 77038 | $1,126 | $94 | $3,163 | $264 | +7% |
| 77039 | $1,096 | $91 | $3,174 | $265 | +8% |
| 77040 | $1,059 | $88 | $2,965 | $247 | About average |
| 77041 | $1,065 | $89 | $2,904 | $242 | -2% |
| 77042 | $1,032 | $86 | $2,867 | $239 | -3% |
| 77043 | $1,046 | $87 | $2,842 | $237 | -4% |
| 77044 | $1,039 | $87 | $2,986 | $249 | +1% |
| 77045 | $1,125 | $94 | $3,084 | $257 | +4% |
| 77047 | $1,119 | $93 | $3,023 | $252 | +2% |
| 77048 | $1,105 | $92 | $3,078 | $257 | +4% |
| 77049 | $1,009 | $84 | $2,901 | $242 | -2% |
| 77050 | $1,072 | $89 | $3,101 | $258 | +5% |
| 77051 | $1,109 | $92 | $3,116 | $260 | +6% |
| 77053 | $1,109 | $92 | $3,032 | $253 | +3% |
| 77054 | $1,005 | $84 | $2,783 | $232 | -6% |
| 77055 | $1,026 | $86 | $2,830 | $236 | -4% |
| 77056 | $978 | $82 | $2,763 | $230 | -7% |
| 77057 | $1,020 | $85 | $2,846 | $237 | -4% |
| 77058 | $938 | $78 | $2,537 | $211 | -14% |
| 77059 | $926 | $77 | $2,525 | $210 | -15% |
| 77060 | $1,093 | $91 | $3,202 | $267 | +9% |
| 77061 | $1,105 | $92 | $3,139 | $262 | +7% |
| 77062 | $933 | $78 | $2,536 | $211 | -14% |
| 77063 | $1,049 | $87 | $2,948 | $246 | About average |
| 77064 | $1,045 | $87 | $2,832 | $236 | -4% |
| 77065 | $1,037 | $86 | $2,814 | $235 | -4% |
| 77066 | $1,086 | $91 | $2,979 | $248 | +1% |
| 77067 | $1,103 | $92 | $3,158 | $263 | +7% |
| 77068 | $1,066 | $89 | $2,907 | $242 | -2% |
| 77069 | $1,035 | $86 | $2,801 | $233 | -5% |
| 77070 | $993 | $83 | $2,704 | $225 | -9% |
| 77071 | $1,132 | $94 | $3,146 | $262 | +7% |
| 77072 | $1,154 | $96 | $3,146 | $262 | +7% |
| 77073 | $1,093 | $91 | $3,070 | $256 | +4% |
| 77074 | $1,134 | $95 | $3,204 | $267 | +9% |
| 77075 | $1,087 | $91 | $3,037 | $253 | +3% |
| 77076 | $1,096 | $91 | $3,130 | $261 | +6% |
| 77077 | $985 | $82 | $2,691 | $224 | -9% |
| 77078 | $1,085 | $90 | $3,142 | $262 | +7% |
| 77079 | $975 | $81 | $2,649 | $221 | -10% |
| 77080 | $1,041 | $87 | $2,897 | $241 | -2% |
| 77081 | $1,080 | $90 | $3,001 | $250 | +2% |
| 77082 | $1,060 | $88 | $2,886 | $241 | -2% |
| 77083 | $1,099 | $92 | $2,956 | $246 | About average |
| 77084 | $1,086 | $91 | $2,924 | $244 | -1% |
| 77085 | $1,141 | $95 | $3,123 | $260 | +6% |
| 77086 | $1,086 | $91 | $3,045 | $254 | +3% |
| 77087 | $1,082 | $90 | $3,050 | $254 | +3% |
| 77088 | $1,111 | $93 | $3,104 | $259 | +5% |
| 77089 | $1,001 | $83 | $2,773 | $231 | -6% |
| 77090 | $1,108 | $92 | $3,129 | $261 | +6% |
| 77091 | $1,133 | $94 | $3,162 | $264 | +7% |
| 77092 | $1,077 | $90 | $3,015 | $251 | +2% |
| 77093 | $1,080 | $90 | $3,124 | $260 | +6% |
| 77094 | $981 | $82 | $2,652 | $221 | -10% |
| 77095 | $1,047 | $87 | $2,801 | $233 | -5% |
| 77096 | $1,089 | $91 | $2,991 | $249 | +1% |
| 77098 | $982 | $82 | $2,755 | $230 | -7% |
| 77099 | $1,153 | $96 | $3,141 | $262 | +7% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $283 a year on average in our Houston data, with the same $500 deductibles. That’s about $23 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Yes, for our benchmark driver. Comparing the same insurers in the same Houston ZIP codes, full coverage averaged $2,940 a year in rates as of Nov. 30, 2025, and $2,956 as of Aug. 31, 2026, a 0.5% increase. Progressive cut its Houston average 2.0% and Auto Club (AAA) 1.3%, while GEICO raised its average 4.4% and USAA 3.0%; State Farm’s average was about unchanged. Liability-only coverage at 30/60/25 limits was about unchanged.
Harris County averages about $240 a month for full coverage in our data, the highest of any Texas county, while suburban counties cost less: Montgomery County averages $206, Fort Bend County $219 and Brazoria County $197. Where you keep your car is one of the factors Texas insurers use, so your ZIP code can move your price.
Across the 68 cities and towns we price in the nine-county Houston metro area, full coverage runs from about $189 a month in Sealy to $248 in Galena Park. Conroe averages $203, Sugar Land $217 and Pasadena $227.
| City or Town: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Galena Park | 1 | $1,049 | $87 | $2,974 | $248 |
| Houston | 94 | $1,058 | $88 | $2,956 | $246 |
| South Houston | 1 | $1,026 | $86 | $2,872 | $239 |
| Crosby | 1 | $1,011 | $84 | $2,855 | $238 |
| Channelview | 1 | $1,009 | $84 | $2,838 | $237 |
| Humble | 3 | $1,048 | $87 | $2,830 | $236 |
| Highlands | 1 | $1,004 | $84 | $2,813 | $234 |
| Stafford | 1 | $1,072 | $89 | $2,809 | $234 |
| Fresno | 1 | $1,049 | $87 | $2,786 | $232 |
| Pasadena | 5 | $991 | $83 | $2,725 | $227 |
| Baytown | 3 | $955 | $80 | $2,718 | $227 |
| Huffman | 1 | $993 | $83 | $2,698 | $225 |
| Bellaire | 1 | $1,011 | $84 | $2,677 | $223 |
| Missouri City | 2 | $1,022 | $85 | $2,667 | $222 |
| Cypress | 2 | $986 | $82 | $2,625 | $219 |
| Dayton | 1 | $867 | $72 | $2,619 | $218 |
| Hockley | 1 | $955 | $80 | $2,613 | $218 |
| Winnie | 1 | $885 | $74 | $2,609 | $217 |
| Katy | 4 | $983 | $82 | $2,608 | $217 |
| New Caney | 1 | $926 | $77 | $2,606 | $217 |
| Tomball | 2 | $987 | $82 | $2,606 | $217 |
| Sugar Land | 3 | $989 | $82 | $2,598 | $217 |
| Liberty | 1 | $855 | $71 | $2,592 | $216 |
| Cleveland | 2 | $866 | $72 | $2,586 | $216 |
| Splendora | 1 | $902 | $75 | $2,585 | $215 |
| Porter | 1 | $939 | $78 | $2,571 | $214 |
| Richmond | 3 | $979 | $82 | $2,557 | $213 |
| Waller | 1 | $889 | $74 | $2,556 | $213 |
| Needville | 1 | $943 | $79 | $2,545 | $212 |
| Hempstead | 1 | $848 | $71 | $2,544 | $212 |
| Webster | 1 | $950 | $79 | $2,539 | $212 |
| Anahuac | 1 | $847 | $71 | $2,536 | $211 |
| Seabrook | 1 | $944 | $79 | $2,529 | $211 |
| Montgomery | 2 | $897 | $75 | $2,527 | $211 |
| Fulshear | 1 | $944 | $79 | $2,525 | $210 |
| Friendswood | 1 | $958 | $80 | $2,518 | $210 |
| Kingwood | 2 | $941 | $78 | $2,518 | $210 |
| Brookshire | 1 | $882 | $74 | $2,514 | $210 |
| Rosenberg | 1 | $947 | $79 | $2,510 | $209 |
| Magnolia | 2 | $913 | $76 | $2,508 | $209 |
| Pinehurst | 1 | $922 | $77 | $2,503 | $209 |
| Deer Park | 1 | $946 | $79 | $2,496 | $208 |
| Spring | 8 | $938 | $78 | $2,496 | $208 |
| La Porte | 1 | $931 | $78 | $2,484 | $207 |
| Willis | 2 | $884 | $74 | $2,468 | $206 |
| Rosharon | 1 | $890 | $74 | $2,457 | $205 |
| Pearland | 2 | $907 | $76 | $2,443 | $204 |
| Galveston | 3 | $889 | $74 | $2,442 | $204 |
| Conroe | 7 | $882 | $74 | $2,441 | $203 |
| Bacliff | 1 | $903 | $75 | $2,419 | $202 |
| Texas City | 2 | $896 | $75 | $2,415 | $201 |
| Manvel | 1 | $886 | $74 | $2,413 | $201 |
| Dickinson | 1 | $901 | $75 | $2,404 | $200 |
| Hitchcock | 1 | $886 | $74 | $2,404 | $200 |
| La Marque | 1 | $891 | $74 | $2,403 | $200 |
| Kemah | 1 | $891 | $74 | $2,398 | $200 |
| Santa Fe | 2 | $886 | $74 | $2,392 | $199 |
| Sweeny | 1 | $798 | $67 | $2,374 | $198 |
| League City | 1 | $888 | $74 | $2,361 | $197 |
| Brazoria | 1 | $805 | $67 | $2,350 | $196 |
| Alvin | 1 | $880 | $73 | $2,348 | $196 |
| Freeport | 1 | $808 | $67 | $2,327 | $194 |
| West Columbia | 1 | $810 | $68 | $2,317 | $193 |
| Angleton | 1 | $813 | $68 | $2,312 | $193 |
| Bellville | 1 | $725 | $60 | $2,288 | $191 |
| Clute | 1 | $810 | $68 | $2,278 | $190 |
| Lake Jackson | 1 | $810 | $68 | $2,275 | $190 |
| Sealy | 1 | $723 | $60 | $2,272 | $189 |
| Texas average | 1019 | $848 | $71 | $2,513 | $209 |
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Galveston, about 45 miles southeast, averages $204 a month, and Beaumont–Port Arthur, about 80 miles east, $217. Austin averages $202.
Drivers in Houston follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the nine counties in the Houston metro area and 202 ZIP codes we price there, full coverage runs from about $190 a month in Austin County to $240 in Harris County. The Texas average is $209. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Harris County | 128 | $1,040 | $87 | $2,882 | $240 |
| Fort Bend County | 15 | $998 | $83 | $2,633 | $219 |
| Liberty County | 3 | $867 | $72 | $2,601 | $217 |
| Chambers County | 3 | $876 | $73 | $2,592 | $216 |
| Waller County | 3 | $873 | $73 | $2,538 | $212 |
| Montgomery County | 22 | $889 | $74 | $2,469 | $206 |
| Galveston County | 14 | $896 | $75 | $2,418 | $202 |
| Brazoria County | 12 | $844 | $70 | $2,362 | $197 |
| Austin County | 2 | $724 | $60 | $2,280 | $190 |
| Texas average | 1019 | $848 | $71 | $2,513 | $209 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Houston averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the nine counties in this table, SUV policies cost the least on average and hybrid policies the most, about 22% more. Search the table for your county.
| County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Austin | $1,185 | $1,012 | $1,123 | $1,195 | $1,260 |
| Brazoria | $1,159 | $997 | $1,105 | $1,160 | $1,219 |
| Chambers | $1,365 | $1,169 | $1,299 | $1,368 | $1,441 |
| Fort Bend | $1,282 | $1,106 | $1,232 | $1,274 | $1,339 |
| Galveston | $1,249 | $1,083 | $1,199 | $1,245 | $1,304 |
| Harris | $1,370 | $1,183 | $1,315 | $1,364 | $1,432 |
| Liberty | $1,375 | $1,176 | $1,307 | $1,379 | $1,453 |
| Montgomery | $1,326 | $1,141 | $1,271 | $1,324 | $1,392 |
| Waller | $1,341 | $1,149 | $1,274 | $1,346 | $1,417 |
| Avg. Yearly Costs: | $1,295 | $1,113 | $1,236 | $1,295 | $1,362 |
| Avg. Monthly Rates: | $108 | $93 | $103 | $108 | $113 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Houston averages about $246 a month ($2,956 a year) and liability-only coverage about $88 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% above the Texas average of $209 a month.
State Farm has the lowest full-coverage average open to all drivers in our Houston rate data, at about $215 a month, with Auto Club (AAA) close behind at $231. USAA, which sells only to military members, veterans and their families, has a lower average still ($194 a month), but we don’t rank it. For liability-only coverage, State Farm has the lowest average open to all drivers, at about $77 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
In most of them, for our benchmark driver. Houston full coverage averages about $246 a month, while Sugar Land averages $217, Katy $217, Spring $208 and Conroe $203. A few places next to the city cost about the same or more, such as Galena Park at $248.
In our data, 77059 has the lowest full-coverage average in Houston, at about $210 a month, and 77060 and 77074 the highest, at about $267. The ZIP code table on this page lists all 94.
In our Houston data, full coverage (100/300/100 with $500 deductibles) averages about $246 a month and liability-only coverage at 30/60/25 limits about $88, a difference of about $158 a month ($1,898 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Houston full coverage rose 0.5% between November 2025 and August 2026, from about $2,940 to $2,956 a year. Progressive cut its Houston average 2.0% and Auto Club (AAA) 1.3%, while GEICO raised its average 4.4% and USAA 3.0%. Liability-only coverage at 30/60/25 limits was about unchanged.
