Best Car Insurance in Houston, Texas 2024

With an average rate of $1,233, Texas Farm Bureau is our top pick for drivers on a budget in Houston. Expect the best rates, the best customer service, and several coverage options to customize your policy.

Affordable Coverage

Texas Farm Bureau has some of the cheapest rates for auto insurance in Houston, followed by State Farm.

Excellent Service Scores

Texas Farm Bureau consistently scores among the highest providers for customer satisfaction, brand loyalty, claims satisfaction, and other service scores.

J.D. Power, a third-party institution dedicated to assessing providers for customer service and claims satisfaction, rated Texas Farm Bureau 686 out of 1,000 for 2024, the highest rating in the state. State Farm (654 out of 1,000) also scored above average.

CRASH scores providers based on their claims handling policies, attitudes, and payment practices when customers file claims due to a car accident.³ Texas Farm Bureau received a B- from the CRASH Network, which is the 27th highest out of 88 companies nationally. Germania also received a B- in Texas, with a national rank of 44 out of 88. AAA Texas scored even higher, with a grade of B and national rank of 18, making the “Honor Roll.”

Customize Your Policy

With cheaper average rates, you may be able to afford optional coverage add-ons. Here are all the ways to tack on extra protection with Texas Farm Bureau.

• Medical payments coverage
• Death indemnity coverage
• Collision and comprehensive coverage (full coverage)
• Rental coverage
• Roadside assistance

State Farm is the largest car insurance provider in Texas, as well as the rest of the country. It offers the second-most affordable overall rates in Texas, and the cheapest rates for drivers after a speeding ticket, DUI, and accident.

Cheapest After a Speeding Ticket

State Farm has the cheapest rates for drivers with speeding tickets, DUIs, and accidents. For drivers with speeding tickets and accidents, Texas Farm Bureau is the next cheapest, and National General is the next cheapest for DUIs. AAA Texas and Allstate tend to have the highest rates for drivers with spotty records.

Cheapest After a DUI

Cheapest After an At-Fault Accident

Progressive is the second largest overall provider in Houston and the largest provider in the country for commercial auto insurance. With incentives and discounts for business owners, it offers great rates and several coverage perks for truck and fleet owners.

Truck-Tracking Insights

When you sign up for Progressive’s free fleet-tracking program, Snapshot ProView, you can earn up to 20 percent off your policy. You also get access to several fleet management tools to help make your drivers safer and more efficient.

Snapshot ProView comes with the following features:

• Vehicle-tracking features with live (or close to live) updates to see where your vehicles are in their journey
• Trip summary metrics, like gas spent, miles driven, time to arrival, and more
• Geofencing notifications that show you when trucks enter or leave key locations
• Driving scorecards that show how safely your team members are driving
• Tips on how to improve drivers’ habits

Insure Several Vehicle and Business Types

With Progressive, you can get commercial insurance as a small business, transportation service, independent contractor, food service owner, delivery company, nonprofit, and more. Progressive insures the following vehicle types for their customers:

• Sedans
• Trucks
• SUVs
• Vans
• Trailer and semi-trailer trucks
• Dump trucks
• Commercial and utility trailers
• And more

Commercial Auto Repair Network

Progressive offers a commercial repair network that you can leverage to get expedited repairs under Progressive’s customer priority policy.

Choose from a selection of Progressive-vetted repair shops, and work with a single Progressive representative to manage your claim, as opposed to communicating with several points of contact.

Germania Insurance was organized in 1896 as a farming mutual insurance company. Today, it offers auto insurance, as well as other insurance types, with several discounts, add-ons, and local Texan agents. 

Local Discounts

So many advertised car insurance discounts are state-specific, so most drivers have to speak directly with an agent to learn if a discount they found online is actually available in their state or city.

With Germania, you can rest assured knowing their discounts are available to all qualifying Texan drivers. Here’s the full list of discounts you may be eligible for:

• Paid-in-full discount
• Multicar discount
• Multipolicy discount (15 percent)
• Mature driver discount (10 percent)
• Good student discount (15 percent)
• Defensive driver discount (10 percent)
• Young defensive driver discount (10 percent)
• Passive-restraint discount (30 percent)
• Anti-theft discount (5 percent)
• New-vehicle discount (10 percent)

Roadside Assistance

Whether you’re driving in or outside of Texas, Germania offers optional roadside assistance that costs its drivers around $30 a year, which is very affordable compared to other providers.⁴

Germania roadside assistance comes with the following features and coverages:

• Towing
• Battery jumps
• Fuel and fluid delivery
• Flat tire replacements
• Lockout assistance
• Map services
• Up to $50 reimbursement if you attain roadside assistance from a different provider

Work With a Local Houston Agent

Germania has more than a dozen agents in Houston and several more in the greater Houston area. While some auto insurance providers are moving out of specific states (e.g., California) because of increasing costs, Germania operates in Texas only. Whether you visit a physical office, call, or chat with someone online, you can expect to speak with a local agent to navigate your insurance needs.

Founded in 1950, AAA Texas offers a range of tailored coverage options, including standard insurance options (liability and full coverage) as well as roadside assistance and other add-ons. With nearly 75 years in business, the Texas division offers local discounts and membership benefits to meet the needs of drivers in the Houston area.

Numerous Discounts for Houston Drivers

Like Germania, AAA Texas offers members several ways to save. Here are a few advertised discounts you may be able to take advantage of:

• Auto and home bundling discount: up to 16 percent on auto and 22 percent on home
• Auto and condo/renters: up to 6 percent on auto and 9 percent on condo/renters
• Auto, home, and life: up to 19.8 percent on auto and up to 22 percent on homeowners insurance when you combine auto, home, and life policies
• Multivehicle: up to 26 percent
• Group affinity: up to 10 percent
• Paid-in-full: up to 5 percent
• Three-year loyalty: up to 20 percent
• Low-mileage: up to 20 percent
• OnBoard safe driver program: up to 5 percent for signing up and 30 percent if you score highly for safe driving habits

AAA Membership Perks

On top of benefiting from auto insurance discounts, AAA members benefit from several perks, including:

• Shell fuel rewards
• 10 percent off NAPA Auto Parts purchases
• 10 percent off on AAA-approved auto repairs
• AAA’s streamlined car-buying service
• 20 percent off Hertz car rentals
• 12 percent off Penske truck rentals

Variety of Add-ons

AAA Texas offers coverage options beyond the state-required minimum that can protect you financially in the event of an accident.