Cheap Quotes for Houston, AL Car Insurance (2021)

Houston, Alabama car insurance rates average $301 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Houston, AL companies, you can find cheap Houston car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Houston, AL are $301/month
  • The cheapest car insurance company in Houston is USAA
  • Average car insurance rates in Houston, AL for senior drivers are $1,920/year

How do the Houston, Alabama monthly average car insurance rates of $301/month compare to nearby cities like Birmingham car insurance rates, Dothan car insurance rates, and Decatur car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Houston, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Houston, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Houston, Alabama companies to find the most affordable Houston car insurance rates.

Enter your ZIP code above to find cheap Houston, AL car insurance quotes today.

What are the minimum Houston, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Houston, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Houston, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Houston, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Houston, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Houston car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Houston, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,916 $1,833 $1,727 $1,761 $6,483 $6,962 $2,161 $2,216
Farmers $2,403 $2,387 $2,151 $2,275 $9,066 $9,334 $2,742 $2,871
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $3,066 $3,315 $2,513 $2,812 $11,039 $12,281 $3,272 $3,492
Nationwide $1,917 $1,944 $1,740 $1,806 $5,097 $6,597 $2,132 $2,392
Progressive $2,314 $2,177 $1,897 $2,020 $9,444 $10,556 $2,715 $2,901
State Farm $2,834 $2,834 $2,536 $2,536 $8,279 $10,368 $3,195 $3,698
Travelers $1,438 $1,461 $1,343 $1,341 $7,528 $11,784 $1,366 $1,577
USAA $1,324 $1,347 $1,233 $1,209 $3,937 $4,370 $1,729 $1,867

How much do teen drivers pay for car insurance in Houston, AL?

Houston, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Houston car insurance rates from multiple Houston, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Houston, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,483 $6,962
Farmers $9,066 $9,334
GEICO $4,918 $4,831
Liberty Mutual $11,039 $12,281
Nationwide $5,097 $6,597
Progressive $9,444 $10,556
State Farm $8,279 $10,368
Travelers $7,528 $11,784
USAA $3,937 $4,370

How much do senior drivers pay for car insurance in Houston, AL?

With a little research, seniors can find affordable car insurance in Houston, Alabama. Here’s a look at how the top Houston car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Houston, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,761
Farmers $2,151 $2,275
GEICO $1,804 $1,850
Liberty Mutual $2,513 $2,812
Nationwide $1,740 $1,806
Progressive $1,897 $2,020
State Farm $2,536 $2,536
Travelers $1,343 $1,341
USAA $1,233 $1,209

How does coverage level affect Houston, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Houston, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Houston, Alabama

Insurance Company Low Medium High
Allstate $3,032 $3,127 $3,238
Farmers $3,948 $4,106 $4,407
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,989 $5,200 $5,482
Nationwide $2,958 $2,923 $2,978
Progressive $3,834 $4,232 $4,693
State Farm $4,332 $4,528 $4,745
Travelers $3,327 $3,549 $3,564
USAA $2,056 $2,116 $2,208

How does your driving record affect Houston, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Houston, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Houston, Alabama companies.

Annual Houston, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,677 $3,142 $3,700 $3,011
Farmers $3,494 $4,513 $4,402 $4,205
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $4,099 $5,698 $5,581 $5,517
Nationwide $2,576 $2,576 $3,777 $2,883
Progressive $3,846 $4,826 $4,121 $4,220
State Farm $4,114 $5,050 $4,488 $4,488
Travelers $2,901 $3,045 $4,441 $3,532
USAA $1,635 $2,051 $3,053 $1,769

How does a DUI affect Houston, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Houston, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Houston, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,700
Farmers $4,402
GEICO $3,504
Liberty Mutual $5,581
Nationwide $3,777
Progressive $4,121
State Farm $4,488
Travelers $4,441
USAA $3,053

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How does your credit history affect Houston, AL car insurance rates?

Take a look at the data here to see how your Houston, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Houston, Alabama

Insurance Company Poor Fair Good
Allstate $3,877 $3,037 $2,484
Farmers $4,662 $4,004 $3,795
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,486 $4,584 $3,601
Nationwide $3,571 $2,778 $2,510
Progressive $4,805 $4,114 $3,840
State Farm $7,355 $3,722 $2,528
Travelers $3,797 $3,291 $3,352
USAA $2,867 $1,857 $1,656

How does your commute affect Houston, AL car insurance rates?

Houston, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Houston if you’re financing.

Annual Car Insurance Rates by Commute Length in Houston, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,133 $3,133
Farmers $4,154 $4,154
GEICO $2,587 $2,686
Liberty Mutual $5,224 $5,224
Nationwide $2,953 $2,953
Progressive $4,253 $4,253
State Farm $4,430 $4,640
Travelers $3,480 $3,480
USAA $2,029 $2,224

Who has the cheapest Houston, AL car insurance rates?

Here’s a breakdown of Houston, Alabama car insurance rates by company. You can see which company offers the cheapest Houston car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Houston, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Houston, AL car insurance companies?

Which Houston, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Houston companies to find the one for you.

Average Annual Car Insurance Rates by Company in Houston, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,154
GEICO $2,637
Liberty Mutual $5,224
Nationwide $2,953
Progressive $4,253
State Farm $4,535
Travelers $3,480
USAA $2,127

What factors affect Houston, AL car insurance rates?

Why are Houston, Alabama car insurance rates different than rates in Birmingham or Dothan? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the traffic like in Houston, AL

Like commute length, time spent in traffic also increase risk of accidents. Houston, AL is listed as 57th in INRIX congested cities data.

Car Insurance Quotes for Houston, AL

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