What Insurance is Cheapest for Seniors in Houston?

The vehicle you are insuring is one of the primary factors that determines the availability of low-cost insurance for seniors. Vehicles with high performance engines, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.

The next table ranks insurance costs for a selection of the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in Houston, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,039
Honda Accord EX 4-Dr Sedan $1,045
Ford Escape Limited 4WD $1,127
Toyota Prius $1,152
Ford F-150 STX Super Cab 4WD $1,190
Chevrolet Impala LS $1,208
Chevrolet Malibu LS $1,230
GMC Sierra SL Extended Cab 2WD $1,238
Toyota RAV4 Limited 4WD $1,230
Chevrolet Equinox LT AWD $1,238
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,245
Dodge Grand Caravan SXT $1,255
Ford Explorer Eddie Bauer 4WD $1,262
Compare Rates Now Go

Premium data assumes married male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can change premium rates greatly.

Based upon these rates, you can infer that cars like the Honda CR-V, Honda Accord, Ford Escape, Toyota Prius, and Ford F-150 are most likely going to be the most economical vehicles to insure for senior citizens.

Finding out which companies have the lowest-priced car insurance rates for seniors takes a bit more work in order to find the most economical policy. Every insurance company uses a slightly different approach to determine premium rates, so let’s rank the lowest cost car insurance companies in Texas.

It’s a good idea to be aware that Houston, TX car insurance rates are based on many factors which can substantially change your annual premium. Simply getting older, buying a different home, or getting a couple of tickets can cause premium changes that can make some companies more affordable than the competition.

Lowest Insurance Price Quotes for Mature Drivers

Click Here to Start Your Quote

Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,084
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,244
5 Esurance $1,365
6 California Casualty $1,424
7 Mercury $1,461
8 State Farm $1,510
9 Nationwide $1,585
10 Safe Auto $1,597
11 Progressive $1,647
12 Allstate $1,667
13 Amica $1,705
14 GEICO $2,093
15 Home State $2,155
16 MetLife $2,161
17 Unitrin $2,264
18 Encompass $2,301
19 21st Century $2,469
20 Titan $2,672
Quote Your Rates Go

Travelers generally has some of the best car insurance rates in Houston at around $1,041 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the more affordable Houston, TX car insurance companies.

As illustrated above, if you currently have coverage with Germania Mutual and switched to USAA, you might achieve annual savings of in the vicinity of $160. Texas drivers with Esurance might save as much as $281 a year, and California Casualty insureds might cut rates by $340 a year.

If you want to find out if you’re overpaying, click here to get a free quote or visit any of the low-priced companies below.

These estimates are averages across all drivers and vehicles and are not factoring in a specific vehicle garaging location for seniors. So the insurer that can offer you the best price may not even be in the top 23 companies shown above. That is why you need to get car insurance quotes using your own driver data and vehicle information.

For senior citizens, one of the more important factors that are used to help calculate insurance cost is where your residence is in Houston. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The information below shows the most costly cities in Texas for seniors to purchase auto insurance in. Houston comes in at #6 having an annual price of $1,835 for car insurance, which is approximately $153 monthly.

How much does car insurance cost in Houston, TX?
Rank City Premium Per Year
1 McAllen $1,956
2 Brownsville $1,927
3 Laredo $1,889
4 Amarillo $1,858
5 Dallas $1,837
6 Houston $1,835
7 Pasadena $1,812
8 Grand Prairie $1,811
9 Garland $1,796
10 Irving $1,789
11 Beaumont $1,754
12 Mesquite $1,753
13 San Antonio $1,722
14 Lubbock $1,716
15 Arlington $1,709
16 Fort Worth $1,653
17 Corpus Christi $1,636
18 Austin $1,627
19 McKinney $1,625
20 Carrollton $1,598
Compare Prices Now Go

Rate quotes are estimated as specific Houston zip code can revise coverage prices considerably.

The information below illustrates how your deductible choice can raise or lower premium costs when quoting cheap insurance for seniors. The premiums assume a married female driver, full coverage, and no discounts are applied to the premium.

In the chart above, a 40-year-old driver could pocket $310 a year by increasing from a $100 deductible up to a $500 deductible, or save $468 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could potentially save $772 each year by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have emergency funds available to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Picking a high-quality auto insurance provider can be difficult considering how many companies there are to choose from in Houston. The company rank data listed below could help you select which companies you want to consider comparing prices from. These ratings only include large insurance companies, so companies with more of a regional focus are not taken into consideration for this list.

Top Ten Car Insurance Companies for Seniors in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Impact of citations and accidents on insurance rates

In a perfect world, the ideal way to snag low car insurance rates in Texas for senior citizens is to be an attentive driver and not receive tickets or have accidents. The example below shows how traffic citations and at-fault fender-benders can drive up insurance costs for each different age group. The rate quotes are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Texas per year with no accidents and a clean driving record is $2,078. Receive one speeding ticket and the average cost rises to $2,381, an increase of $303 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for seniors jumps again to an average of $3,249. That’s an increase of $1,171, or $98 per month, just for not being a responsible driver!

The insurance agencies below can help you make a decision which coverage meets your needs best, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when comparing insurance rates for senior citizens. It can be difficult to find the cheapest rate yourself, and insurance agents can provide you satisfaction knowing your policy gives you sufficient coverage at claim time. To find a Houston insurance agency using an interactive map, click the button below the list or click here to compare prices now.

More insurance agents in Houston, TX