Finding out which companies quote the cheapest car insurance rates for infrequent drivers will involve a tad more effort in order to find a policy that fits your budget. Every insurance provider has their own guidelines to set policy rates, so to begin we’ll rank the car insurance companies that tend to have lower prices in Texas.
It’s a good idea to be aware that Houston, TX car insurance rates are calculated based on many things that can increase the policy premium. Simply getting older, marrying your spouse, or getting a speeding ticket can produce rate changes resulting in some companies being more affordable than the competition.
Cheap Insurance Rates in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,476 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,092 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,646 |
| Find Your Rate Go | ||
Travelers has some of the best car insurance rates in Houston at around $1,010 annually. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Houston, TX insurance companies.
In the rate table above, if you have coverage with Texas Farm Bureau and switched to Travelers, you could see an annual premium reduction of upwards of $225. Texas drivers with Germania Mutual could save as much as $234 a year, and Esurance customers might lower prices by $397 a year.
To find out how your current rates compare, click here to start your free quote or feel free to get quotes from the companies below.
Bear in mind that those estimates are averages for all drivers and vehicles in Texas and do not take into consideration an exact vehicle garaging location for infrequent drivers. So the company that can offer you the best rate may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
The type of vehicle you are seeking coverage for is a large factor when comparison shopping for the best cheap coverage for infrequent drivers. Vehicles with high performance features, poor passenger safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The table below showcases auto insurance rates for some of the most economical vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,253 |
| Honda CR-V EX 2WD | $1,261 |
| Toyota Prius | $1,385 |
| Ford F-150 XLT Super Cab 4WD | $1,434 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,464 |
| Chevrolet Equinox LT 2WD | $1,482 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,492 |
| Honda Odyssey Touring | $1,589 |
| Ford Fusion SEL 4-Dr Sedan | $1,595 |
| Ford Edge SEL 2WD | $1,670 |
| GMC Sierra Denali Crew Cab 2WD | $1,695 |
| Honda Accord EX-L 2-Dr Coupe | $1,701 |
| Kia Optima EX | $1,695 |
| Ford F-350 Crew Cab Lariat Turbo Diesel 2WD | $1,723 |
| Dodge Ram Crew Cab TRX 4WD | $1,726 |
| Honda Civic LX 2-Dr Coupe | $1,817 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,822 |
| Find Cheaper Rates Go | |
Prices 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 claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in specific location which can raise or lower coverage rates substantially.
By looking at the data, you can see that cars like the Ford Escape, Honda CR-V, Toyota Prius, Ford F-150, and Volkswagen Jetta are going to be some of the most affordable vehicles to insure for low mileage drivers.
Insuring your vehicle with the right auto insurance provider is difficult considering how many different companies sell coverage in Houston. The ranking information shown below could help you select which car insurance companies to look at comparing prices from.
These ratings only include the largest auto insurers in America, so smaller companies will not be included in the list. To get rate quotes from these top-rated insurers and more, click this link.
Top 10 Large Car Insurance Companies in Houston Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Large Car Insurance Companies in Houston Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Irresponsible driving raises your rates
The easiest method to obtain the most affordable car insurance rates in Texas for low mileage drivers is to be a good driver and not have accidents or get tickets. The example below illustrates how speeding tickets and fender-benders drive up auto insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,535. Receive two speeding tickets and the average cost surges to $3,405, an increase of $870 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for infrequent drivers jumps again to an average of $6,645. That’s an increase of $4,110, or $343 per month, just for not driving responsibly!
Here’s why you should shop around
Texas car insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply having another birthday, marrying your spouse, or getting a speeding ticket can trigger changes in premium that can now make some companies more affordable than others.
In addition to those changes, auto insurance companies file new Texas auto insurance rates as often as every three months in order to protect their financial rating. A period of higher than normal claims can cause additional price hikes, while better underwriting may cause lower-cost Houston car insurance rates.
The data below shows the cheapest car insurance in Houston, TX for a 35-year-old female driver with no accidents or violations, and solid credit. Based on her current risk profile, Travelers might quote the cheapest car insurance rates in Houston at $1,297 each year. This is $607 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 top five cheapest Houston, TX auto insurance companies.
Now let’s give the driver from the first example a couple of claims, a little lower credit rating, and a blemish on her driving record. Because every insurance company has a different formula to determine rates, comparing quotes may now present a different ranking of the cheapest car insurance companies in Houston as shown below.
State Farm now has the lowest car insurance rate in Houston, TX with Mercury, USAA, Safe Auto, and Nationwide completing the list. This demonstrates why it is so important to take the time to shop around to find affordable auto insurance rates for infrequent drivers.
Prices can be altered by many different factors and change frequently, so the most affordable company the last time you shopped your coverage around may now be one of the higher cost companies.