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TGS Insurance » Auto Insurance » Houston Auto Insurance » Best Auto Insurance Carriers

Best Houston Car Insurance Companies for 2022

Finding the best auto insurance provider heavily depends on several factors related to the driver and the vehicle being insured. However, two details that sit high on customers’ lists when choosing a carrier are price and current/past customer satisfaction. Let’s review both as we look at the best Houston car insurance companies for 2022! 

Key Takeaways

  • Progressive is the cheapest auto insurance carrier in Houston, with an average annual premium of $963.
  • The best way to find the cheapest car insurance in Houston while maintaining sufficient coverage limits is to shop around and get quotes from at least five carriers.
  • Nationwide is the highest-rated Houston auto insurance carrier in terms of customer service.

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Cheapest Houston Auto Insurance Companies in 2022

The best way to find the cheapest car insurance in Houston while still maintaining sufficient coverage limits is to shop around and get quotes from at least five carriers. (Or use an independent insurance agency like TGS Insurance to do it for you!) Every carrier sets its own rates based on internal risk analysis, so the exact same coverage for the same vehicle and driver will vary across carriers. 

At TGS Insurance Agency, our five cheapest Houston auto insurance companies for full coverage auto insurance are Progressive, Mercury, Travelers, Safeco, and Allstate.

graph comparing houston car insurance company premiums 2022

While these carriers have been the cheapest for most customers, they are only five of the companies we represent. Various carriers have insurance catered to drivers with specific situations, such as high-risk drivers with multiple citations. But again, shopping around is the best way to ensure you get the best policy. 

Best Customer Service Among Car Insurance Companies in Houston

We have compiled a list of the five highest-rated insurance carriers we partner with to bring you the best coverage and the most competitive rates. The ratings below were compiled by combining reviews and ratings across multiple sources, including Forbes Advisor and U.S. News, with our own internal data. 

At TGS Insurance Agency, our five Houston auto insurance companies that have consistently shown the best customer service ratings are Nationwide, Travelers, State Farm, Allstate, and Progressive.

houston auto insurance companies with best customer service comparison graph

Let TGS Insurance Agency Find The Best Car Insurance in Houston for You!

Shopping for auto insurance can be a mundane and time-consuming task; but with TGS Insurance, you can do more things you enjoy with your time and let us do all the work for you! When you enter your information for a free, no-obligation quote, our independent agents will find you the best auto insurance policy the market has at a competitive rate. As an independent insurance agency, we don’t work for any single carrier; we work for you, which allows us to find you the best coverage and rates for your unique situation without bias.


Every driver is unique. Insurance premium costs are impacted by several factors; therefore, we recommend obtaining an individualized quote to find your rates.

Our data is representative of quality, publicly sourced, and internal data, but should not be deciphered as bindable.