For pre-owned vehicles, one of the more important components that determine the amount you pay for auto insurance is where you choose to live. More densely populated places will most likely pay more, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The next table rates the highest-priced places in Texas for used cars in which to buy car insurance. Houston is ranked at #5 with the yearly price of $1,853 on average, which is about $154 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,893 |
| 3 | Laredo | $1,889 |
| 4 | Brownsville | $1,870 |
| 5 | Houston | $1,853 |
| 6 | Garland | $1,850 |
| 7 | Amarillo | $1,840 |
| 8 | Pasadena | $1,812 |
| 9 | Grand Prairie | $1,811 |
| 10 | Irving | $1,772 |
| 11 | Beaumont | $1,772 |
| 12 | Mesquite | $1,753 |
| 13 | Lubbock | $1,733 |
| 14 | San Antonio | $1,671 |
| 15 | Austin | $1,659 |
| 16 | Arlington | $1,658 |
| 17 | Carrollton | $1,647 |
| 18 | McKinney | $1,609 |
| 19 | Fort Worth | $1,604 |
| 20 | El Paso | $1,584 |
| Compare Rates Now Go | ||
Premium amounts are estimated as the garaging address in Houston can affect prices substantially.
The make and model of vehicle on the policy is probably the biggest factor when shopping around for cheaper coverage for used cars. Vehicles with lots of speed or power, a lack of safety features, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models. The information below ranks auto insurance premiums for the cheapest automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,306 |
| Toyota Prius | $1,414 |
| Ford Focus S 4-Dr Sedan | $1,483 |
| Ford Explorer Eddie Bauer AWD | $1,540 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,586 |
| Hyundai Elantra SE Touring Station Wagon | $1,595 |
| GMC Sierra SLE Regular Cab 4WD | $1,619 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,622 |
| Nissan Rogue S AWD | $1,627 |
| Chevrolet Silverado LT Regular Cab 2WD | $1,622 |
| Chevrolet Impala LS | $1,699 |
| Honda Civic DX 4-Dr Sedan | $1,706 |
| Ford Escape Limited 4WD | $1,706 |
| Find Cheaper Rates Go | |
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in specific Houston, TX garaging location which can change prices significantly.
Based upon the rates shown, you can figure that makes and models like the Honda CR-V, Toyota Prius, Ford Focus, and Ford Explorer are most likely to be the more affordable vehicles to insure for pre-owned vehicles.
Cautious drivers save money
One of the best ways to enjoy good auto insurance prices in Houston for pre-owned vehicles is to drive carefully and not get tickets or have accidents. The illustration below demonstrates how citations and at-fault fender-benders can impact insurance costs for different age groups of insureds. The costs are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of auto insurance per year with no accidents or violations is $2,817. Get one speeding ticket and the average cost surges to $3,192, an increase of $375 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for used cars jumps again to an average of $4,260. That’s an increase of $1,443, or $120 per month, just for not paying attention while driving!
The diagram below shows how choosing a deductible can raise or lower yearly insurance costs when quoting cheap insurance for used cars. The rate quotes are based on a single female driver, full coverage, and no other discounts are factored in.
A 30-year-old driver could lower their car insurance rates by $344 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $520 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could possibly save as much as $766 or more by using a higher deductible. If you do raise deductibles, it is important to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
The agents listed below can probably help you determine which insurance coverage will be best for you, since some drivers wish to have a professional recommendation when shopping around for cheaper insurance for pre-owned vehicles. It can be difficult to find the best coverage on your own, and using a licensed agent can give you comfort knowing you have adequate asset protection. To find an agent close to you, click the button at the bottom of the list.
Texas Prime Insurance Agency, LLC
6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000
Memorial Insurance Agency, LLC
13624 Memorial Dr – Houston, TX 77079 – (713) 461-8272
TDECU INSURANCE AGENCY, LLC
1235 N Loop W Fwy #1100 – Houston, TX 77008 – (979) 238-8283
More Houston, TX insurance agents
How to find low-cost car insurance for used cars
The list below details some money-saving suggestions that can help drivers find lower-cost coverage.
- Higher credit scores may earn you cheaper rates
- Speeding tickets and other violations increase rates
- Avoid filing small claims
- Buy vehicles with five-star safety ratings
- Drive attentively and avoid accidents
- Keep rates low by shopping around frequently
The last tip is very vital, as was affirmed in the article above. Prices charged by car insurance companies fluctuate constantly, so drivers shouldn’t hesitate to buy a different policy if a more affordable price is available. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that dedication is costing big bucks every year. It only takes a couple minutes to shop around and find cheaper car insurance for used cars in Houston.