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Why is car insurance so expensive in Houston?
I just moved from El Paso to Houston and I was shocked at how much my insurance went up, especially being in the same state! Why is car insurance so expensive in Houston?
Mariza Morin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car insurance rates can significantly change depending on your zip code—even if you’re in the same state! Here’s why car insurance is so expensive in
Houston
: - High population density: Houston is the largest city in Texas, with a population of over 2.3 million people. More drivers on the road lead to more accidents.
- Higher speed limits: Texas has some of the highest speed limits in the nation, which increases the chance of accidents.
- Inclement weather: Houston is no stranger to extreme weather, like powerful hurricanes, tropical storms, hailstorms, flooding, tornadoes, and more. These events can damage large numbers of vehicles at once, causing insurers to raise their rates to offset their losses.
Single-car drivers in Houston pay an average of $2,798 a year for insurance. That’s a $266 difference from the state average of $2,532!
However, car insurance is actually cheaper in
Texas
compared to several other states
, so you have that going for you. Plus, your individual premium
will vary based on factors like your age, driving history, and the type of vehicle you own.What’s even better,
Jerry
, the top-rated super app
, is here to help you find the best car insurance
rates available. Download the app for free to start comparison shopping. The average user saves over $800 a year. View full answer
- Gregory R.
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