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How does car insurance deductible work   Best And Worst Car Insurance Rates In Houston Neighborhoods ... Who has the cheapest auto insurance in Houston? For a young Houston driver with good credit and a clean driving history, here are the cheapest companies and average rates for full coverage car insurance: Texas Farm Bureau: $1,254 per year. Geico: $1,720 per year. State Farm: $1,963 per year. Republic Group: $1,997 per year. Auto Club of SoCal: $2,039 per year. Feb 21, 2020 Search for: Who has the cheapest auto insurance in Houston? Who has the cheapest auto insurance in Houston? Who has the best auto insurance rates in Texas? Top 10 Car Insurance Companies in Texas Rank Company Market Share 1 State Farm Mutual Auto Insurance Company 16.15% 2 Progressive County Mutual Insurance Company 6.56% 3 Farmers Texas County Mutual Insurance Company 7.84% 4 Allstate Fire and Casualty Insurance Company 7.26% 6 more rows • Dec 2