How Much is Houston Auto Insurance for Ride Shares?

For drivers on welfare, one of the largest considerations that are used to help calculate the amount you pay for auto insurance is where your car is garaged in Houston. More populated areas tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The table below lists the most expensive cities in Texas for welfare recipients to purchase a policy in. Houston is listed at #4 with a yearly premium of $1,835 for coverage, which is around $153 per month.

How much does car insurance cost in Houston, TX?
Rank City Annual Rate
1 McAllen $2,016
2 Brownsville $1,908
3 Dallas $1,893
4 Houston $1,835
5 Laredo $1,833
6 Mesquite $1,807
7 Amarillo $1,804
8 Garland $1,796
9 Grand Prairie $1,793
10 Irving $1,772
11 Pasadena $1,740
12 San Antonio $1,722
13 Arlington $1,709
14 Beaumont $1,702
15 Lubbock $1,665
16 Carrollton $1,664
17 El Paso $1,632
18 Austin $1,627
19 Corpus Christi $1,620
20 Plano $1,608
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Price information shown is approximated as specific Houston zip code can raise or lower prices substantially.

The vehicle needing coverage is one of the primary factors that determines whether or not you find the most economical insurance for welfare recipients. Vehicles with high performance engines, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models. The data below ranks coverage premiums for some of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Houston, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,228
Ford Escape Limited 2WD $1,255
Toyota Prius $1,359
Toyota Tacoma 4WD $1,379
Honda Odyssey EX W/Rear Entertainment $1,427
Toyota RAV4 Limited 2WD $1,454
Ford F-150 Lariat Super Cab 2WD $1,482
Hyundai Elantra GLS 4-Dr Sedan $1,530
Kia Optima LX $1,557
Nissan Rogue S 2WD $1,567
Dodge Ram Quad Cab ST 4WD $1,585
Honda Accord EX 2-Dr Coupe $1,633
Ford Edge SEL 2WD $1,635
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate information does not factor in Houston, TX location which can lower or raise coverage prices considerably.

Based on these rates, we can assume that vehicles like the Honda CR-V, Ford Escape, Toyota Prius, and Toyota Tacoma are most likely to be some of the most economical vehicles to insure for drivers on welfare.

Figuring out which insurers offer the most affordable car insurance rates for welfare recipients requires a bit more work in order to find the lowest price.

Each insurance company has their own guidelines to set premium rates, so let’s rank the overall cheapest car insurance companies in Houston, TX. It’s important to know that Houston car insurance rates are influenced by many factors that control the policy premium. Getting older, buying a different home, or having an at-fault accident can produce rate changes that can now make some companies more affordable than others.

Find the Cheapest Auto Insurance in Texas

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Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,294
5 Esurance $1,421
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,461
9 Nationwide $1,553
10 Safe Auto $1,565
11 Allstate $1,701
12 Progressive $1,715
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,135
16 MetLife $2,161
17 Encompass $2,232
18 Unitrin $2,333
19 21st Century $2,421
20 Titan $2,672
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Travelers generally has some of the cheapest car insurance rates in Houston at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Houston, TX auto insurance companies.

In the above rates, if you currently have a policy with Esurance and switched to USAA, you may realize savings of around $304. Customers with California Casualty might save as much as $307 a year, and State Farm insureds might reduce prices by as much as $333 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or quote prices from the following companies.

Be aware that those estimates are averaged across all drivers and vehicles and and are not calculated with an exact zip code location for welfare recipients. So the car insurance company that can offer you the best price may not even be in the top 23 companies shown above. That underscores the importance of why you need to get quotes using your own driver and vehicle profiles.

The example below shows how different deductible levels can affect yearly insurance costs when getting quotes for cheap insurance for welfare recipients. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied.

The chart above illustrates that a 40-year-old driver could cut expenses by $352 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $528 by selecting a $1,000 deductible. Young drivers, like the Age 20 chart data, could potentially save $870 annually just by choosing higher deductibles.

When choosing a higher deductible, it will now be necessary to have enough savings to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Insuring your vehicle with the right car insurance company can be a challenge considering how many companies are available to choose from in Houston. The information listed below could help you decide which car insurance providers you want to consider when trying find the best insurance for welfare recipients. The rankings below include companies that insure vehicles across America, so smaller companies will not be included in the list.

Best Car Insurance Companies for Ride Shares 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
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Get discounts on Houston insurance

Cheaper Houston, TX car insurance for drivers on welfareInsurance providers that sell policies for welfare recipients may also provide policy discounts that may potentially lower prices by 30% or more if you meet certain criteria. The best car insurance companies and their possible discounts are included below.

The information below shows the comparison of insurance prices with and without discounts applied to the premium. The prices are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, vehicle safety, claim-free, passive restraint, multiple policy, and defensive driving course discounts applied. When discounts are applied, the average savings per year on car insurance for welfare recipients is 28% or $645.

Houston car insurance rates

Texas car insurance rates are based on many factors that may substantially change the cost of having a policy. Simply improving your credit, buying a new vehicle, or having a fender bender can trigger price changes resulting in some rates now being cheaper than others.

In addition to those changes, auto insurance companies change their prices every year or even multiple times each year in order to offset underwriting gains or losses. Significantly higher losses can cause a rate increase, while less frequent claims may result in cheaper Houston car insurance rates.

To illustrate this point, the data below shows rates for the cheapest car insurance in Houston, TX for a 30-year-old male driver with no violations or accidents, and a good credit history. When quoting prices based on his current rating profile, Travelers might quote the lowest car insurance rates in Houston at $1,271 a year. This is $633 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the best Houston, TX auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example a chargeable accident, a lower credit rating, and a speeding citation. Since each auto insurer has a different formula for establishing rates, comparing quotes may now present a different list of the cheapest companies as shown below.

State Farm now has the cheapest insurance rate in Houston, TX with Mercury, USAA, Safe Auto, and Nationwide also being competitive. This demonstrates why it is so important to perform a complete rate comparison when trying to find the cheapest car insurance quotes for welfare recipients.

Prices are made up of many things and change frequently, so the best option the last time you checked may now be quite expensive.