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Auto-Owners is the best insurance company for financial strength and American Family is the best for having few customer complaints.Houston car insurance rates by company. According to our data for 2024, the cheapest car insurance company for full coverage in Houston is GEICO at $141 per month or $847 per six-month policy, while the second cheapest is State Farm at $155 per month or $927 for a six-month policy.Affordable Car Insurance Policies . Not only does The General make auto insurance policies affordable, but we also make your premiums easy to pay. Choose the payment option best suited for your needs. 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