Houston Car Insurance Information
The car insurance rates in Texas are higher as compared to the insurance that can be found in other states. This can make it harder for you to find the car insurance package that can offer the best deals. With perseverance, you will be able to do this properly. In Houston, it is a must that you have car insurance. If not, you would not be given the chance to drive your vehicle.
It is obvious that the car insurance rates in Houston is much higher as compared to the rest of Texas. There are some factors that may increase or decrease the premium that you have to pay but generally, these are the rates that you may come across while searching for car insurance in Houston.
CHEAPEST CAR INSURANCE COMPANIES IN Houston
How can you find the best deals? You can first start with the insurance companies that are available in Houston. There are quite a lot that you can find but your main goal is to find the one that you can afford the best that will still provide the best coverage. You want to make sure that you are always protected while you drive, right?
Take note that the car insurance rates will always change depending on the age and sex of the driver but it is evident through the rates that are mentioned above, that Texas Farm Bureau will usually offer the cheapest rates. The question is, will the rate provide the coverage that you want?
| Car Insurance Company | Annual Average Rate |
|---|---|
| Kemper Security | $5928 |
| MetLife | $3396 |
| 21st Century | $2736 |
| Encompass | $2424 |
| Unitrin | $2328 |
| Mercury | $1992 |
| Progressive | $1542 |
| Texas Farm Bureau | $1284 |
Houston Car Insurance Rate by Zip Code
If you are a 30-year old male driver, will you be able to find the best car insurance for you? Yes, you can! However, you still need to take into account your zip code. The zip code can be determined depending on where you currently reside. Some zip codes will require higher rates than most probably because of the overall security of the place or if the area is more accident-prone than the rest.
Usually, these details will be explained to you if you would hire a car insurance agent to help you in finding the best car insurance rates. The cheapest car insurance in Houston is possible as long as you would be patient in checking out all of the available details.
You can become familiar with the other factors that may possibly determine the average insurance rates that you have to pay for. The more that you research and inquire, the higher the chances that you will get the best car insurance rate for your needs.
| Zip Code | Lowest Possible Insurance Rate | Average Insurance Rate | Highest Possible Insurance Rate |
|---|---|---|---|
| 77056 | $1153 | $1555 | $2471 |
| 77019 | $1211 | $1592 | $2511 |
| 77027 | $1235 | $1583 | $2409 |
| 77098 | $1236 | $1561 | $2471 |
| 77079 | $1226 | $1547 | $2246 |
| 77006 | $1309 | $1617 | $2503 |
| 77057 | $1328 | $1589 | $2553 |
| 77030 | $1235 | $1583 | $2409 |
| 77005 | $1211 | $1532 | $2451 |
| 77024 | $1238 | $1559 | $2424 |
Houston CAR INSURANCE RATES BY AGE
| Age | Insurance Rate for Males | Average Insurance Rate | Insurance Rate for Females |
|---|---|---|---|
| 20s | $1223 | $1146 | $1070 |
| 30s | $557 | $562 | $567 |
| 40s | $548 | $551 | $554 |
| 50s | $505 | $503 | $502 |
| 60s | $565 | $564 | $562 |
| 70s | $772 | $745 | $721 |
It was already mentioned earlier that a person’s age and gender will also play a huge role on the car insurance rates that need to be paid for. The insurance rate of drivers will also change as they age. A teenager will have the highest rates probably because of the teenager’s lack of experience. By the time that the teenager reaches 30 years of age, the rates will be much more affordable.
The insurance rates will also increase as the person reaches the age of 70 because the person’s reflexes may not be as sharp as it was before. There are some things that people can still do to lower their car insurance rates though. For example, keeping a clean driving record will always be effective. Taking some driving lessons will also help.
