✓ Updated March 2026 – Based on A Plus Insurance Quotes (Apr 2024 – Apr 2026)
Harris Auto Insurance Guide
Real rates, coverage trends & carrier insights from first-party quotes collected by A Plus Insurance in 2026. No national averages — only our actual client data.
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About this data
A Plus Insurance is a licensed independent brokerage serving Colorado. Every rate on this page comes from real people we quoted and sold coverage to — not modeled estimates or public filings. We compare 10+ carriers to find the best fit for your driver profile.
A Plus Insurance 2026 Data at a Glance
Average Monthly Premium
$164
Across 485 auto-related quotes (median $127)
Liability Only Avg
$126
Auto-Liability is 41.5% of all quotes (221 total)
Full Coverage Avg
$254
Auto-Full is 32.5% of quotes (173 total)
Non-Owner Policies
4.7%
25 quotes; average ~$93/mo
Average monthly auto insurance rate by state
- Pricing ranges from $165.84 (TX) to $165.84 (TX) … a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $165.84. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors … use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2278 | 1QAABIPUUc24yDzsIVQA_g56FUEi8Gy5 | 2026-04-17 | TX | Richardson | 75081 | unknown | unknown | liability_only | Geico | 0.00 | 0 | 0 | 0 | ||||
| 2187 | 1iOf_J37DnCzU7jloZZwAEH15IQkAbqm | 2026-04-10 | TX | Willow Park | 76008 | 2006 | Yamaha | XV250 | 64 | female | single | liability_only | Progressive | 0.00 | 0 | 0 | 0 |
| 2050 | 1Nu1kTz9pKekqy1Ih9MDQlSp9R5w4XwJ | 2026-03-31 | TX | 2001 | RAM | 52 | male | single | liability_only | Dairyland | 50.86 | 0 | 0 | 0 | |||
| 2047 | 10lFtRgn4fiBDgEBjGsowGYvUsj8VVv1 | 2026-03-31 | TX | Richmond | 77406 | unknown | unknown | unknown | Evanston Insurance Company or Emerald Bay Specialty | 0.00 | 0 | 0 | 0 | ||||
| 1858 | 1baoqMHVljxQKGr66nbgTHGDBv3_VVhR | 2026-03-16 | TX | Denton | 76201 | 2010 | Honda | Accord | unknown | unknown | liability_only | Mendota | 164.83 | 0 | 2 | 0 | |
| 1789 | 20260316-091900-7340 | 2026-03-16 | TX | DENTON | 76201 | 2010 | HONDA | ACCORD EX-L | 26 | female | single | liability_only | Progressive Insurance | 140.80 | 0 | 0 | 0 |
| 1502 | 20260217-094539-9574 | 2026-02-17 | TX | Georgetown | 78633 | 2026 | HONDA | CR-V SPORT-L | 28 | female | single | full_coverage | Progressive Insurance | 148.08 | 0 | 0 | 0 |
| 1414 | 20260206-105351-5943 | 2026-02-06 | TX | TRINITY | 75862 | 2016 | TOYOTA | CAMRY SE | 43 | male | single | full_coverage | Progressive Insurance POP | 288.74 | 2 | 0 | 0 |
| 1413 | 20260105-105247-1444 | 2026-01-05 | TX | Silsbee | 77656 | 2004 | TOYOTA | TUNDRA ACCESS CAB SR | 59 | male | single | liability_only | Dairyland Auto | 99.63 | 0 | 0 | 0 |
| 1412 | 20260206-1202-8339 | 2026-02-06 | TX | HOUSTON | 77048 | 2023 | HYUNDAI | SONATA SEL PLUS | 25 | female | single | full_coverage | National General DynamicDrive | 444.58 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2019 | FORD | F150 | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2019 | FORD | F150 | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2018 | SUBARU | IMPREZA PREMIUM PLUS | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2018 | SUBARU | IMPREZA PREMIUM PLUS | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1410 | 20251220-104941-2582 | 2025-12-20 | TX | ORANGE | 77632 | 2000 | CHEVROLET | S10 | 51 | male | single | liability_only | Dairyland Auto | 86.01 | 0 | 0 | 0 |
| 1409 | 20251230-1215-3648 | 2025-12-30 | TX | DECATUR | 76234 | 2015 | FORD | F350 SUPER DUTY | 66 | male | single | liability_only | Progressive Insurance | 55.08 | 0 | 0 | 0 |
Harris County is the most populous county in Texas and the third most populous in the US, home to Houston and its sprawling metro. Heavy traffic on I-10, I-45, I-610, and the Beltway, combined with significant flood and hail risk, makes it one of the higher-risk auto insurance markets in the country. Texas requires minimum liability of 30/60/25. For a broader look at rates across Texas, see our Texas car insurance guide.
Coverage Type Breakdown – A Plus Insurance 2026 Dataset
From our quotes across all markets. Some states in our dataset do not offer broad form insurance — availability varies by state.
| Coverage Type | Quote Count | % of Quotes | Avg Monthly |
|---|---|---|---|
| Auto-Liability | 221 | 41.5% | $126 |
| Auto-Full | 173 | 32.5% | $254 |
| Auto-Broad Form | 52 | 9.8% | $98 |
| Renters | 29 | 5.5% | $17 |
| Non-Owners | 25 | 4.7% | $93 |
| Motorcycle | 14 | 2.6% | $42 |
| HomeOwners | 6 | 1.1% | $209 |
| Other | 12 | 2.3% | $170 |
Liability only vs full coverage by company
National General
Progressive
Mendota
Dairyland
Geico
Across these carriers, liability only averages $93.45 per month, while full coverage averages $315.14. The largest gap in this view is $120.40 for Progressive.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2278 | 1QAABIPUUc24yDzsIVQA_g56FUEi8Gy5 | 2026-04-17 | TX | Richardson | 75081 | unknown | unknown | liability_only | Geico | 0.00 | 0 | 0 | 0 | ||||
| 2187 | 1iOf_J37DnCzU7jloZZwAEH15IQkAbqm | 2026-04-10 | TX | Willow Park | 76008 | 2006 | Yamaha | XV250 | 64 | female | single | liability_only | Progressive | 0.00 | 0 | 0 | 0 |
| 2050 | 1Nu1kTz9pKekqy1Ih9MDQlSp9R5w4XwJ | 2026-03-31 | TX | 2001 | RAM | 52 | male | single | liability_only | Dairyland | 50.86 | 0 | 0 | 0 | |||
| 2047 | 10lFtRgn4fiBDgEBjGsowGYvUsj8VVv1 | 2026-03-31 | TX | Richmond | 77406 | unknown | unknown | unknown | Evanston Insurance Company or Emerald Bay Specialty | 0.00 | 0 | 0 | 0 | ||||
| 1858 | 1baoqMHVljxQKGr66nbgTHGDBv3_VVhR | 2026-03-16 | TX | Denton | 76201 | 2010 | Honda | Accord | unknown | unknown | liability_only | Mendota | 164.83 | 0 | 2 | 0 | |
| 1789 | 20260316-091900-7340 | 2026-03-16 | TX | DENTON | 76201 | 2010 | HONDA | ACCORD EX-L | 26 | female | single | liability_only | Progressive Insurance | 140.80 | 0 | 0 | 0 |
| 1502 | 20260217-094539-9574 | 2026-02-17 | TX | Georgetown | 78633 | 2026 | HONDA | CR-V SPORT-L | 28 | female | single | full_coverage | Progressive Insurance | 148.08 | 0 | 0 | 0 |
| 1414 | 20260206-105351-5943 | 2026-02-06 | TX | TRINITY | 75862 | 2016 | TOYOTA | CAMRY SE | 43 | male | single | full_coverage | Progressive Insurance POP | 288.74 | 2 | 0 | 0 |
| 1413 | 20260105-105247-1444 | 2026-01-05 | TX | Silsbee | 77656 | 2004 | TOYOTA | TUNDRA ACCESS CAB SR | 59 | male | single | liability_only | Dairyland Auto | 99.63 | 0 | 0 | 0 |
| 1412 | 20260206-1202-8339 | 2026-02-06 | TX | HOUSTON | 77048 | 2023 | HYUNDAI | SONATA SEL PLUS | 25 | female | single | full_coverage | National General DynamicDrive | 444.58 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2019 | FORD | F150 | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2019 | FORD | F150 | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2018 | SUBARU | IMPREZA PREMIUM PLUS | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2018 | SUBARU | IMPREZA PREMIUM PLUS | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1410 | 20251220-104941-2582 | 2025-12-20 | TX | ORANGE | 77632 | 2000 | CHEVROLET | S10 | 51 | male | single | liability_only | Dairyland Auto | 86.01 | 0 | 0 | 0 |
| 1409 | 20251230-1215-3648 | 2025-12-30 | TX | DECATUR | 76234 | 2015 | FORD | F350 SUPER DUTY | 66 | male | single | liability_only | Progressive Insurance | 55.08 | 0 | 0 | 0 |
Insurance rates vary based on your ZIP code, driving history, vehicle, and coverage selection. A Plus Insurance shops multiple carriers simultaneously to find the best rate for your profile.
Premium Distribution – 2026 Dataset
This histogram uses auto-related quotes (liability, full, broad form, non-owner, motorcycle) across all A Plus Insurance markets. Most premiums cluster under $200/mo, with a meaningful tail of higher-premium full coverage and non-standard risk policies.
Key stats: Median ~$127/mo; average ~$164/mo; 75% of quotes under ~$210/mo; observed range ~$6.25 to ~$1,565.50.
Drivers with prior violations, lapses, or accidents may need carriers that specialize in non-standard underwriting. For SR-22 filing requirements in Texas, see our SR-22 insurance page.
Average Rates by Carrier – 2026 Dataset
Carrier averages reflect our full 2026 auto-related sample across all markets. Coverage mix and driver profiles vary by carrier — use this as context, not a direct comparison. Your personalized rate will differ.
| Company | Quote Count | Avg Monthly Premium |
|---|---|---|
| Progressive | 260 | $163 |
| Nat’l General | 53 | $148 |
| Bristol West | 52 | $181 |
| Mendota | 43 | $158 |
| Dairyland | 25 | $140 |
| Geico | 25 | $187 |
| The General | 18 | $117 |
| Gainsco | 4 | $410 |
| Assurance | 3 | $285 |
| Falcon | 1 | $157 |
Cheapest auto insurance companies
- Pricing ranges from $0.00 (Evanston Insurance Company or Emerald Bay Specialty) to $444.58 (National General) … a spread of $444.58.
- Based on real auto insurance quotes grouped into 7 company results, the average across this view is $128.38.
- Rates can shift with coverage choices, Driver details, and vehicle factors … use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2278 | 1QAABIPUUc24yDzsIVQA_g56FUEi8Gy5 | 2026-04-17 | TX | Richardson | 75081 | unknown | unknown | liability_only | Geico | 0.00 | 0 | 0 | 0 | ||||
| 2187 | 1iOf_J37DnCzU7jloZZwAEH15IQkAbqm | 2026-04-10 | TX | Willow Park | 76008 | 2006 | Yamaha | XV250 | 64 | female | single | liability_only | Progressive | 0.00 | 0 | 0 | 0 |
| 2050 | 1Nu1kTz9pKekqy1Ih9MDQlSp9R5w4XwJ | 2026-03-31 | TX | 2001 | RAM | 52 | male | single | liability_only | Dairyland | 50.86 | 0 | 0 | 0 | |||
| 2047 | 10lFtRgn4fiBDgEBjGsowGYvUsj8VVv1 | 2026-03-31 | TX | Richmond | 77406 | unknown | unknown | unknown | Evanston Insurance Company or Emerald Bay Specialty | 0.00 | 0 | 0 | 0 | ||||
| 1858 | 1baoqMHVljxQKGr66nbgTHGDBv3_VVhR | 2026-03-16 | TX | Denton | 76201 | 2010 | Honda | Accord | unknown | unknown | liability_only | Mendota | 164.83 | 0 | 2 | 0 | |
| 1789 | 20260316-091900-7340 | 2026-03-16 | TX | DENTON | 76201 | 2010 | HONDA | ACCORD EX-L | 26 | female | single | liability_only | Progressive Insurance | 140.80 | 0 | 0 | 0 |
| 1502 | 20260217-094539-9574 | 2026-02-17 | TX | Georgetown | 78633 | 2026 | HONDA | CR-V SPORT-L | 28 | female | single | full_coverage | Progressive Insurance | 148.08 | 0 | 0 | 0 |
| 1414 | 20260206-105351-5943 | 2026-02-06 | TX | TRINITY | 75862 | 2016 | TOYOTA | CAMRY SE | 43 | male | single | full_coverage | Progressive Insurance POP | 288.74 | 2 | 0 | 0 |
| 1413 | 20260105-105247-1444 | 2026-01-05 | TX | Silsbee | 77656 | 2004 | TOYOTA | TUNDRA ACCESS CAB SR | 59 | male | single | liability_only | Dairyland Auto | 99.63 | 0 | 0 | 0 |
| 1412 | 20260206-1202-8339 | 2026-02-06 | TX | HOUSTON | 77048 | 2023 | HYUNDAI | SONATA SEL PLUS | 25 | female | single | full_coverage | National General DynamicDrive | 444.58 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2019 | FORD | F150 | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2019 | FORD | F150 | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2018 | SUBARU | IMPREZA PREMIUM PLUS | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1411 | 20251117-105122-5602 | 2025-11-17 | TX | SAN ANTONIO | 78253 | 2018 | SUBARU | IMPREZA PREMIUM PLUS | 30 | male | married | full_coverage | Progressive Insurance | 169.33 | 0 | 0 | 0 |
| 1410 | 20251220-104941-2582 | 2025-12-20 | TX | ORANGE | 77632 | 2000 | CHEVROLET | S10 | 51 | male | single | liability_only | Dairyland Auto | 86.01 | 0 | 0 | 0 |
| 1409 | 20251230-1215-3648 | 2025-12-30 | TX | DECATUR | 76234 | 2015 | FORD | F350 SUPER DUTY | 66 | male | single | liability_only | Progressive Insurance | 55.08 | 0 | 0 | 0 |
Top ZIPs in Our 2026 Dataset
Top ZIPs by quote volume in our 2026 auto-related sample. A Plus Insurance serves clients across multiple states. Rates differ by driver profile, vehicle, coverage, and local market conditions.
| ZIP Code | Area | Quote Count | Avg Monthly Premium |
|---|---|---|---|
| 80906 | Colorado Springs, CO | 16 | $227 |
| 80915 | Colorado Springs, CO | 15 | $173 |
| 80911 | Colorado Springs, CO | 14 | $152 |
| 80903 | Colorado Springs, CO | 13 | $126 |
| 80916 | Colorado Springs, CO | 12 | $220 |
| 80910 | Colorado Springs, CO | 12 | $120 |
| 81504 | Grand Junction, CO | 11 | $109 |
| 80817 | Fountain, CO | 10 | $193 |
| 81004 | Pueblo, CO | 9 | $135 |
| 80918 | Colorado Springs, CO | 9 | $162 |
Note: This dataset reflects A Plus Insurance’s full 2026 client base across multiple states. Our brokerage serves clients in Harris County, TX and surrounding areas — call (888) 445-2793 to get a quote specific to your Houston address and driver profile.
Our Data Methodology
All insights on this page come from first-party quotes collected by our licensed brokerage from January through March 2026. This includes:
- Quotes from real clients — no simulated or public filing data
- Multiple product lines (auto, renters, non-owner, motorcycle, homeowners, etc.) clearly labeled
- Premiums cleaned into numeric values for averages and distribution charts
- Privacy: all data is aggregated and anonymized
Why this matters: These numbers reflect what real A Plus Insurance clients were actually quoted in 2026 — not state averages or national estimates.
Bundling Opportunities in Houston
From our 2026 data: Renters quotes represent (~5.5%), averaging about $17/mo. Homeowners quotes represent 6 more (~1.1%) averaging $209/mo. Bundling your auto with renters or homeowners coverage through the same carrier can reduce your total cost — ask your A Plus agent about multi-policy discounts.
Texas Minimum Insurance Requirements
| Coverage | Minimum | Covers |
|---|---|---|
| Bodily Injury per Person | $30,000 | Medical for one person you injure |
| Bodily Injury per Accident | $60,000 | Total medical – all injured parties |
| Property Damage | $25,000 | Damage to others’ property/vehicles |
Data note: Auto-Liability is 41.5% of quotes and Auto-Full is 32.5% in our 2026 dataset. Some states in our dataset do not offer broad form insurance — availability varies by state.
For more detail, review our Texas car insurance guide, and review SR-22 insurance in Texas.
Harris County, TX Auto Insurance FAQs
What is the average cost of car insurance in Harris County, TX?
From A Plus Insurance quotes (Apr 2024 – Apr 2026): the average monthly premium across all auto-related policies is about $164 and the median is about $127. Auto-liability averages $126/mo and full coverage averages $254/mo. Non-owner coverage averages $93/mo. These figures span all A Plus Insurance markets — your actual rate in Houston depends on your driver profile, vehicle, and coverage selection.
Which company is cheapest in Harris County, TX?
In our 2026 dataset, The General had the lowest average at ~$117/mo on 18 quotes. Dairyland averaged ~$140/mo on 25 quotes and National General ~$148/mo on 53 quotes. Progressive — our highest-volume carrier with 260 quotes — averaged $163/mo. Bristol West averaged $181/mo and Geico $187/mo. Gainsco averaged $410/mo, focused on the highest-risk market. The right carrier depends on your specific driving history and needs.
What are the minimum car insurance requirements in Texas?
Texas requires 30/60/25 liability coverage. Always verify current requirements with your state DMV.
How much more is full coverage vs. liability in Harris County, TX?
Full coverage averages about $254/mo vs about $126/mo for liability-only in our 2026 dataset — roughly 102% higher, or a gap of about $128/mo ($1,536/year). Whether full coverage is worth it depends on your vehicle’s value, whether you carry an active loan, and your ability to replace the vehicle out-of-pocket if it’s totaled or stolen.
Does a DUI affect rates in Harris County, TX?
Yes. A DUI typically triggers SR-22 filing requirements and significantly increases premiums for 3–5 years regardless of county. A Plus Insurance works with carriers that accept high-risk drivers in Houston. See our SR-22 insurance page for details on the filing process and costs.
Is non-owner insurance available in Harris County, TX?
Yes. Non-owner quotes represent about 4.7% of our 2026 dataset (25 quotes averaging ~$93/mo). Non-owner insurance provides liability coverage for drivers who don’t own a vehicle but need protection when borrowing or renting a car, or to maintain coverage for SR-22 compliance.
How often should I shop for insurance in Harris County, TX?
Every 6–12 months, or after any significant life change — new vehicle, address change, ticket or accident, adding a driver, or paying off a car loan. In our 2026 auto-related sample, premiums ranged from about $6.25 to $1,565.50/mo — a wide range that shows how much individual profile and coverage choice affect your final rate. Call (888) 445-2793 and A Plus Insurance will compare multiple carriers for you at once.
Why is auto insurance more expensive in Houston / Harris County?
Houston’s massive size, heavy freeway traffic, high accident rates, flood risk (particularly near bayous), and frequent hail events all push premiums above the Texas average. Harris County consistently ranks among the highest-claim counties in the state. Comprehensive coverage is especially valuable for Houston drivers given the flood and hail exposure — our data shows full coverage averaging ~$254/mo across all markets.
Are renters policies available in Houston?
Yes. Renters quotes represent about 5.5% of our 2026 total (29 quotes averaging ~$17/mo). Bundling your renters and auto policies with the same carrier often unlocks multi-policy discounts that reduce your total monthly cost. Ask your A Plus agent about bundling options — it’s one of the simplest ways to lower your overall insurance spend.
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Brian Muse
Customer Service Representative
Customer Service Representative specializing in billing support, document processing, and policy account management.
Brian assists clients with policy questions, coverage updates, and general account support to help keep their insurance in good standing.
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