🚗 Car insurance cost in Houston, TX (2026)
Estimated average: $2,890 per year — +34% vs. the U.S. average of $2,150.
$2,890
Est. car insurance in Houston
per year
$2,580
Texas average
$2,150
U.S. average
2,314,157
Population
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Houston car insurance estimator
Estimated$5,058/year
Starts from the Houston estimate. Get quotes to confirm your price.
Houston car insurance FAQ
How much is car insurance in Houston, TX?
The estimated average is $2,890 per year — above the state average (+12% vs. the Texas average of $2,580, and +34% vs. the U.S. average).
Is car insurance more expensive in Houston than elsewhere in Texas?
Houston has about 2,314,157 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Houston?
Compare at least three quotes from insurers active in Houston, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.