Who Has Affordable Car Insurance for Drivers with Good Credit in Houston?

The vehicle that needs insurance is probably the largest consideration when comparing quotes for cheaper insurance for drivers with good credit. Vehicles with lots of horsepower, poor safety ratings, or a history of substantial liability claims will cost quite a bit more to insure than more modest models. The next table presents car insurance prices for some of the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in Houston, TX
Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,245
Ford Escape XLS 4WD $1,250
Honda CR-V EX-L 2WD $1,273
Dodge Grand Caravan CV $1,393
Ford Focus SE 4-Dr Sedan $1,444
Volkswagen Jetta 2.0T Station Wagon $1,459
Chevrolet Malibu Hybrid $1,471
Ford F-150 Lariat Super Cab 4WD $1,499
Toyota Prius $1,517
Ford Explorer XLT 4WD $1,524
Toyota Camry XLE $1,552
Ford Edge Sport AWD $1,557
Kia Optima LX $1,577
Nissan Rogue S AWD $1,583
Honda Odyssey Touring $1,580
GMC Sierra 3500HD SLE Regular Cab 2WD $1,607
Toyota Tacoma Double Cab 4WD $1,612
Jeep Grand Cherokee Laredo 2WD $1,622
Ford F-350 Super Cab Harley Edition 2WD $1,637
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,652
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can decrease or increase rates noticeably.

Looking at the rates, we can tell that models like the Honda Accord, Ford Escape, Honda CR-V, and Dodge Grand Caravan are most likely going to be the most budget-friendly vehicles to insure for financially responsible drivers.

Deciphering which company offers the cheapest car insurance rates for drivers with good credit calls for a little more work in order to find a policy that fits your budget. Every car insurance company has a proprietary formula for determining rates, so we’ll go over the overall cheapest car insurance companies in Houston.

Cheap Insurance Rates for High Credit

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Who has the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,095
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,421
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,506
9 Nationwide $1,585
10 Safe Auto $1,613
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,093
16 MetLife $2,161
17 Encompass $2,255
18 Unitrin $2,310
19 21st Century $2,396
20 Titan $2,646
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Travelers offers some of the most affordable car insurance rates in Houston at around $1,010 per year. This is $894 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Houston, TX car insurance companies.

As illustrated above, if you currently have a policy with Germania Mutual and switched to Travelers, you could realize savings of around $272. Insureds with Esurance could save as much as $411 a year, and California Casualty insureds might reduce rates by $414 a year.

It’s important to note that these prices are averaged for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for drivers with good credit. So the car insurance company that is best for you may not even be in the top 23 companies shown above. That is why you need to get rate quotes using your own driver information and specific vehicle type.

Full coverage rates vs. liability-only

Finding the cheapest car insurance is important to the majority of vehicle owners, and one of the best ways to find cheaper insurance for drivers with good credit is to buy liability only. The example below shows the difference between yearly insurance costs with and without full coverage. The rate quotes are based on no claims or driving citations, $500 deductibles, drivers are not married, and no other discounts are factored in.

Averaged for all age groups, physical damage coverage costs $1,793 per year more than just buying liability only. A very common question is when is it safe to stop buying full coverage. There isn’t a steadfast formula of when to eliminate comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

There are some circumstances where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Picking a high-quality car insurance provider can be rather challenging considering how many companies sell insurance in Texas. The rank data listed below could help you choose which insurers you want to consider when trying to find cheaper insurance for drivers with good credit.

These rankings are for the companies with a significant amount of written premium nationwide, so companies that may only write in Texas will not be included in the list. If you wish to compare rates from these top-rated insurers and more, simply click here.

Top 10 Major Car Insurance Companies in Houston Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Major Car Insurance Companies Overall in Houston

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

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Houston, TX car insurance rates are influenced by many factors that can increase the cost of coverage. Simply improving your credit, moving across town, or having an accident may generate price changes that can cause some rates to be more affordable than the competition.

Not only may your situation change, but insurers change rates as often as every three months to adjust for gains or losses. An unexpected high level of claims can result in increased rates, while a better claims history can result in lower-priced Houston car insurance rates.

To illustrate this example, the bar chart below shows the companies that have the cheapest car insurance in Houston, TX for a 35-year-old male driver with no prior accidents, a clean driving record, and great credit. Based on his current risk factors, Travelers has the lowest car insurance rates in Houston at $1,284 per year. This is $620 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest Houston, TX auto insurance companies.

Now we will pretend the driver from above an at-fault accident, a lower credit rating, and a few traffic violations. Due to the fact that every insurance company uses their own calculation for determining prices, getting updated rate quotes may now present a slightly different list of the cheapest Houston car insurance companies as shown below.

State Farm now has the cheapest auto insurance in Houston with USAA, Mercury, Nationwide, and Safe Auto completing the list. This example illustrates why it is important to compare rates when trying to get the cheapest insurance rates for drivers with good credit. Prices can be altered by many risk factors and can decrease or increase without notice, so the cheapest option when you bought your policy may now not even be in the top five.

Ideas to find cheaper insurance for drivers with good credit

Here are some penny-pinching suggestions that can help you buy low-cost coverage.

The last suggestion is extraordinarily vital, as we stressed in the prior information. Prices charged by auto insurers can be modified anytime, so you should be ready to switch to a new company if you can find a cheaper rate. Staying with the same car insurance company is fine, but it isn’t a good idea if that devotion results in you overpaying major coinage every year. Take a couple minutes and compare prices to find cheaper auto insurance for drivers with good credit in Houston.