Finding the right car insurance in Houston can save you hundreds each year. Drivers here pay more than both the state and national averages—blame it on weather, traffic, and a surprising number of uninsured folks on the road.
Texas Farm Bureau offers the lowest car insurance rates in Houston, with full coverage starting around $162 per month and minimum coverage at about $40 per month. Other affordable choices include USAA for military families, State Farm, and GEICO.
Your actual rate depends on things like age, driving record, credit score, and where you live in the city. It’s a bit of a mixed bag.
Shopping around is the best way to find cheap coverage that fits your needs. Different companies price their policies differently, so comparing quotes from several insurers can help you avoid overpaying for the same protection.
Key Takeaways
- Texas Farm Bureau has the cheapest car insurance in Houston for most drivers at around $162 per month for full coverage
- Your rates depend on factors like age, driving record, credit score, and location within Houston
- Comparing quotes from multiple insurance companies helps you find the best rate for your situation
Overview of Houston Car Insurance Rates
Houston drivers pay more for car insurance than many other cities. Dense traffic, frequent accidents, and weather-related claims all play a part.
The city averages 178 accidents every day, which pushes rates up in all neighborhoods. It’s not exactly a bargain out there.
How Much Is Car Insurance in Houston?
On average, car insurance in Houston costs about $266 per month. For minimum coverage, expect to pay between $50 and $79 monthly depending on your insurer.
Full coverage policies range from $97 up to $215 per month. The cheapest minimum coverage comes from State Farm at $50 monthly and Texas Farm Bureau at $40.
For full coverage, Texas Farm Bureau has the lowest rates at $97 per month. State Farm charges $116 monthly for the same.
Your actual rate depends on your driving record, age, credit score, and ZIP code. A clean driving record can save you a lot compared to drivers with tickets or accidents.
Comparison to Texas and National Averages
Houston car insurance rates run about 15% higher than the Texas state average. Texas drivers pay $64 per month for minimum coverage and $208 for full coverage statewide.
Houston’s rates are higher, mostly because of accident frequency and vehicle theft. The national average for full coverage sits even lower than both Houston and Texas rates.
Houston’s urban density and weather risks like flooding and hail drive premiums up. If you’ve ever driven through a Houston rainstorm, you know why.
Average Rates by Neighborhood and ZIP Code
Your ZIP code makes a big difference in what you pay for car insurance in Houston. The cheapest area is 77015, where drivers pay $1,933 per year.
The most expensive neighborhoods can cost 24% more. Here’s a quick look at how ZIP codes stack up:
| ZIP Code | Annual Premium | Percent Above Cheapest |
|---|---|---|
| 77015 | $1,933 | 0% |
| 77089 | $1,957 | 3% |
| 77095 | $1,975 | 5% |
| 77077 | $1,996 | 5% |
| 77084 | $2,091 | 10% |
Areas with higher crime, more congestion, and frequent claims usually see higher premiums. Moving to a cheaper ZIP code could save you hundreds each year.
Lowest Car Insurance Providers in Houston
Houston drivers pay rates well above the national average, but a few insurers offer much cheaper premiums. Texas Farm Bureau consistently delivers the lowest rates in the city.
State Farm and USAA also provide competitive pricing for drivers who qualify. It’s worth checking out several companies before you settle.
Top Companies With the Cheapest Rates
Texas Farm Bureau’s full coverage averages $1,485 per year, and minimum coverage is $578. That’s 42% below Houston’s average full coverage cost of $2,580 per year.
State Farm sits in second place with full coverage at $1,659 yearly and minimum coverage at $662. Your monthly payment with State Farm would be $138 for full coverage, which fits most budgets.
USAA provides the third-lowest rates at $1,777 annually for full coverage, but you’ll need a military connection. GEICO charges $1,951 per year for full coverage, making it another decent option.
Nationwide falls in the middle at $1,944 annually for full coverage. Progressive and Allstate cost more, with Progressive averaging $3,007 and Allstate at $2,658 per year for full coverage.
Direct Local and Regional Insurers to Consider
Texas Farm Bureau operates as a regional insurer with local customer service across Texas. The company offers standard coverages like rental reimbursement and roadside assistance.
You can bundle home and auto for extra savings. AAA Texas earns high customer satisfaction marks and makes the Honor Roll in CRASH Network’s Report Card.
AAA gives you access to solid roadside assistance and DMV services. You’ll need to request a quote directly, since average pricing isn’t public, but rates tend to run higher than the cheapest options.
Mercury and Safeco work through independent agents. National General offers policies through different channels and may give you a good rate, depending on your profile.
It’s smart to compare regional carriers with the big brands. Sometimes, the local companies surprise you.
Major National Providers in Houston
State Farm maintains local agents and delivers rates 36% below the city average. The company scored above average in J.D. Power’s Texas customer satisfaction survey.
You’ll need to finish your purchase by phone, since State Farm doesn’t do fully online quotes. GEICO charges $163 monthly for full coverage and lets you manage your policy online.
GEICO often gives the best rates for drivers with tickets or lower credit scores. You can handle quotes and claims through their website or app.
Progressive tends to cost more in Houston but has lots of coverage options. Allstate’s rates are high at $222 monthly for full coverage.
Nationwide lands in the middle at $162 per month for full coverage. Chubb focuses on high-net-worth clients and doesn’t compete on price.
Safeco works through independent agents and may offer a good deal, depending on your situation. It’s worth a look if you want something different from the big names.
Who Offers the Cheapest Minimum Coverage?
Texas Farm Bureau has the lowest minimum coverage rates in Houston at $40 per month. That’s less than half the city average of $88.
State Farm comes in second for affordable liability-only insurance. If you’re looking to save, those two are your best bets.
Best Minimum Liability-Only Insurance Options
Texas Farm Bureau stands out for minimum coverage car insurance in Houston. At $40 per month, it saves drivers $48 each month compared to the city average.
State Farm is the next cheapest for liability-only insurance. It’s not quite as low as Texas Farm Bureau, but State Farm’s online quote process is more user-friendly.
It’s easy to compare prices and buy coverage quickly with State Farm. Geico also offers competitive minimum coverage rates and a simple online experience.
The company gives you 24/7 customer service access, which is handy if you’re ever stuck on the side of the road.
Companies With Cheap State-Minimum Quotes
The price gap between insurers gets big for minimum coverage. You can save hundreds each year just by comparing quotes.
Allstate and Progressive usually charge more for minimum liability-only insurance than other major carriers in Houston. Still, it’s worth checking if you have unique needs like poor credit or a DUI.
Texas requires 30/60/25 coverage limits. That’s $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage.
All minimum coverage policies meet these requirements, but prices vary a lot between insurers. It really comes down to how each company sees risk.
Cheapest Full Coverage Car Insurance in Houston
Full coverage car insurance in Houston ranges from $1,586 up to $4,335 per year, depending on the company. Texas Farm Bureau usually offers the lowest rates for full coverage.
State Farm and GEICO also provide competitive pricing for many drivers. It’s a good idea to check all three if you want to save.
Who Has the Lowest Full Coverage Quotes?
Texas Farm Bureau has the cheapest full coverage in Houston at $1,586 per year for a 35-year-old with a clean record. That’s about 56% less than the priciest carrier.
State Farm is the second cheapest at $2,032 annually. It’s a solid pick if you can’t join Texas Farm Bureau.
Auto Club of SoCal offers rates at $1,962 per year. GEICO charges $2,617, and Progressive sits in the middle at $2,872.
On the high end, Chubb charges $4,335 for the same coverage. Your own rate will vary based on age, driving history, and where you live.
Rates in different ZIP codes can differ by several hundred dollars per year. It’s wild how much location matters.
Best Value for Comprehensive Protection
Getting the best value means balancing price and service. State Farm offers strong value with competitive rates and a big network of local agents.
The company handles claims quickly and gives you 24/7 support. Progressive gives you tools like Name Your Price and Snapshot, which can cut your premium if you drive safely.
GEICO lets you compare quotes online and manage claims through their app. When you compare policies, make sure each quote uses the same coverage limits.
Standard full coverage includes liability, collision, comprehensive, and uninsured motorist protection. Request quotes from at least three companies to find your lowest rate—each insurer weighs risk factors a bit differently.
Rates by Age: Young, Teen, and Senior Drivers
Teen drivers in Houston face some of the steepest car insurance costs. Sixteen-year-olds pay around $9,825 annually for full coverage.
Rates drop sharply after age 25 and stay steady until about age 70. After that, premiums start climbing again for seniors.
Best Cheap Insurance for Teen and Young Drivers
Teen drivers pay three to four times more than middle-aged drivers because insurers see them as high-risk. For example, a 16-year-old in Houston pays about $9,825 per year for full coverage, while a 19-year-old pays around $5,470.
The most affordable move? Add your teen to your existing policy instead of getting separate coverage. This can save over $8,000 per year.
State Farm and Texas Farm Bureau often offer solid rates for families with young drivers. Your rates will drop as you get older.
At 20, you’ll pay roughly $4,970 annually. By 25, this drops to $2,970.
Young drivers should ask about good student discounts, which can cut premiums by 10-25%. Completing a defensive driving course can help you save even more.
Some insurers offer telematics programs that monitor your driving and reward safe habits with lower rates. It’s worth checking if your company has this option.
Affordable Options for Seniors and Older Adults
Insurance costs stay pretty reasonable from ages 30 to 60, with full coverage averaging $2,250 to $2,663 annually in Houston. Rates start to rise around age 70, reaching about $2,410 per year, and climb to $2,620 by age 75.
Insurers bump up rates for older drivers because they associate age with slower reaction times and higher accident risk. Still, seniors pay much less than teen drivers.
Safeco and State Farm usually have competitive rates for older drivers in Houston. Taking a defensive driving course can snag you a discount with many insurers.
If you drive rarely, pay-per-mile insurance could be a good fit. Some carriers also offer special discounts for drivers over 55 or 65.
Keeping a clean driving record is your best bet for keeping premiums low, no matter your age. It’s just one of those things that pays off over time.
How Driving Record Impacts Your Cost
Your driving history has a direct impact on what you pay for car insurance in Houston. Drivers with clean records pay a lot less than those with tickets, accidents, or DUIs.
Cheapest Rates for Good Drivers
State Farm offers some of the lowest rates for Houston drivers with clean records, averaging about $85 per month. Progressive also has strong pricing for safe drivers.
You can save $600 or more per year compared to the national average if you keep your record clean. Texas Farm Bureau is another solid choice for drivers without incidents.
Insurance companies reward safe driving because you pose less risk. The gap between clean record rates and those with violations can be huge—often 25% to 50% higher after an incident.
Most insurers in Houston check your driving history from the past three to five years. In Texas, points from minor violations usually fall off after three years.
Options After an Accident or Ticket
Your rates will go up after a ticket or accident, but you still have options for affordable coverage. GEICO tends to offer the lowest rates for Houston drivers with violations, averaging about $99-$108 monthly depending on what happened.
Accident forgiveness programs can help protect you from rate hikes after your first at-fault accident. State Farm and Progressive both offer this, though you might need to pay extra or keep a clean record for a while first.
You can also take a defensive driving course to remove points from your Texas driving record. Raising your deductible lowers your monthly premium.
It’s smart to compare quotes from several insurers since each one handles violations differently. There’s no one-size-fits-all answer here.
How Credit Scores Affect Houston Car Insurance
Your credit score plays a big role in what you pay for car insurance in Houston. Drivers with poor credit can pay up to $259 more per month for full coverage than those with good credit.
Insurance companies in Texas use credit-based scores to assess risk, and poor credit can push your rates up by 54% or more each year. It’s a tough break, but it’s how the system works.
Providers With Best Rates for Lower Credit
Allstate has the most affordable car insurance in Houston for drivers with poor credit, at $196 per month for full coverage. That’s less than half the city average for drivers with lower credit scores.
Texas Farm Bureau comes in second at $220 per month, making it another good pick if your credit isn’t great. The difference between insurers is huge.
Allstate charges $196 monthly, but Progressive jumps to $450, Geico to $530, and State Farm hits $864 per month for drivers with poor credit. You could save $668 per month by picking Allstate over State Farm if your credit score is low.
Improving Your Rate Based on Credit
You can lower your Houston car insurance rates by improving your credit score over time. Pay bills on time, cut down debt, and check your credit report for mistakes that might be hurting your score.
Insurance companies usually review your credit when you first buy a policy and again at renewal. Even small improvements can bring savings.
Drivers with excellent credit pay about 18% less for full coverage than those with poor credit. After improving your credit, ask your insurer for a rate review.
Shopping around and comparing quotes remains important, since different insurers look at credit in their own way. You never know where you’ll find the best deal.
Additional Factors That Influence Your Rate
Besides your driving record and age, Houston car insurance companies look at a bunch of other things when setting your premium. Your vehicle type, where you live and commute, and the coverage options you pick all matter.
Vehicle Type and Usage
The car you drive affects your insurance costs in Houston. Insurers consider repair costs, safety ratings, and theft rates when setting your price.
A newer luxury sedan costs more to insure than an older economy car because replacement parts are pricier. Some vehicles just cost more to fix.
High-risk vehicles include:
- Sports cars and performance vehicles
- Luxury brands with expensive parts
- Models with high theft rates
- Electric vehicles with specialized repair needs
Your annual mileage matters too. If you drive 20,000 miles per year for work, you’ll pay more than someone who drives 8,000 miles.
Companies like Direct Auto and Safe Auto often ask about your daily commute and if you use your car for business. How you use your vehicle also impacts rates.
A car used only for errands costs less to insure than one used for rideshare or delivery. The more you’re on the road, the more you pay—fair or not.
Location and Commute
Your ZIP code has a big impact on Houston car insurance rates. Areas with more accidents, theft, or weather claims push premiums higher.
Living downtown usually costs more than the suburbs because of traffic and accident frequency. Your commute distance and route matter too.
A 40-mile daily commute through busy highways increases your risk compared to a 5-mile drive on quiet streets. Where you park matters—a car in a garage overnight costs less to insure than one left on the street.
Houston’s flood-prone areas affect comprehensive coverage costs. If you live in a flood zone, expect higher rates for comprehensive protection.
Coverage Levels and Deductibles
Your coverage choices directly affect your premium. Texas requires minimum liability coverage, but those limits often don’t cover a serious accident.
Higher liability limits like 100/300/100 cost more but protect your assets better. It’s a trade-off you have to weigh.
Common coverage options that increase costs:
- Collision coverage for vehicle damage
- Comprehensive coverage for theft and weather damage
- Uninsured motorist protection
- Rental car reimbursement
- Roadside assistance
Your deductible choice changes your monthly bill. A $250 deductible means higher premiums but less out-of-pocket after an accident.
A $1,000 deductible lowers your premium but you’ll pay more if you file a claim. Most Houston drivers pick deductibles between $500 and $1,000 to balance costs and risk.
Tips for Saving on Houston Car Insurance
Houston drivers can cut insurance costs through smart comparison shopping and using available discounts. The trick is knowing how to compare quotes and which discount combos give you the most savings.
How to Compare Quotes Effectively
Request quotes from at least three different car insurance companies in Houston. Make sure each quote uses the same coverage levels and deductibles so you can compare apples to apples.
Give each insurer the same info about your driving record, vehicle, and annual mileage. Local insurers like Texas Farm Bureau often have lower rates than national companies, so include both in your search.
Don’t just look at price. A cheaper policy might have higher deductibles or lower liability limits that could cost you more after an accident.
Check quotes from both big national insurers and regional providers. The price gap between the most and least expensive Houston car insurance companies can top $1,200 per year for the same coverage.
Bundling and Discount Strategies
You can reduce your Houston car insurance premiums by bundling your auto policy with homeowners or renters insurance. Most insurers offer multi-policy discounts that cut your total cost by 10-25%.
Ask each company for a full list of available discounts before you buy. Common ones include good driver discounts, savings for cars with anti-theft devices or safety features, and paid-in-full discounts if you pay your premium upfront.
You might also qualify for low-mileage discounts if you drive less than 7,500 miles per year. Usage-based insurance programs track your driving and can save you money if you drive safely and don’t rack up a lot of miles.
Young drivers can get good student discounts by keeping a B average or higher. Every little bit helps, right?
Houston Car Insurance Company Profiles
Several big insurers compete for Houston drivers, each with different rates, coverage options, and customer service. Texas Farm Bureau, State Farm, and GEICO often rank among the most affordable, while specialized providers like USAA and Chubb serve specific groups.
Texas Farm Bureau
Texas Farm Bureau offers some of the lowest car insurance rates in Houston. Expect to pay around $40 per month for minimum coverage and $97 per month for full coverage.
The company runs as a membership organization, so you’ll need to join to get their insurance products. Membership usually costs a small annual fee.
Texas Farm Bureau focuses on Texas residents, letting them tailor policies to local issues like flooding and hail. Their local agents know Houston’s unique insurance challenges.
They offer standard coverage options, including liability, collision, and comprehensive insurance. Compare their rates with other providers since membership isn’t for everyone.
State Farm
State Farm has competitive rates in Houston, with minimum coverage starting around $50 monthly and full coverage at about $116. The company ranks fourth in Texas for customer satisfaction, according to J.D. Power’s 2025 study.
You’ll find plenty of local agents in the Houston area. Teen drivers get multiple discount opportunities, and the Steer Clear telematics program helps them save while improving skills.
Parents can add teen drivers to policies for about $1,453 to $4,008 per year, depending on coverage. State Farm’s local agent network really shines during Houston’s frequent severe weather.
You can work with the same agent for claims, policy changes, and questions. The company doesn’t offer gap insurance, which could matter if you have a new car loan.
GEICO
GEICO has affordable rates for Houston drivers, with costs averaging $2,106 annually for full coverage. You’ll find lots of digital resources and online chat for managing your policy.
The company keeps several local agents in Houston for those who like in-person service. Discount opportunities include savings for club memberships and professional affiliations that many competitors don’t offer.
GEICO’s rates stay competitive across age groups and driving records. The company earned a J.D. Power score of 651/1,000 and holds an A++ rating from AM Best.
You can handle most policy tasks online or through their app. GEICO’s customer service is available 24/7 for claims and questions.
Their mix of low rates and digital convenience makes them a favorite for Houston drivers who like to manage things online. It’s not perfect, but it works for a lot of folks.
Progressive
Progressive helps Houston drivers with flexible coverage options and competitive rates. You can use their Name Your Price tool to find coverage that fits your budget.
The company offers both standard and specialty coverage. Rideshare drivers can find options tailored to their needs.
Your policy might include Progressive’s Snapshot program, a usage-based insurance option that tracks your driving habits. If you drive safely, you could earn discounts through this telematics program.
Progressive gives you a bunch of discount opportunities, like multi-policy, continuous coverage, and homeowner discounts. They really push the idea of saving if you bundle or keep your coverage going.
You can handle claims with their mobile app, filing and tracking everything from your phone. Pick between managing your policy online or working with a local agent—it’s up to you.
Progressive’s quoting system lets you compare their rates against other companies right on their website. It’s a quick way to see where you stand.
Allstate
Allstate operates across Houston and works with a big network of local agents. Your rates depend on your driving record and what coverage you pick.
The company provides standard auto insurance and extras like roadside assistance or rental reimbursement. If you want more protection, you’ll find options.
Allstate’s Drivewise program monitors your driving and rewards safe habits with discounts. They even offer accident forgiveness and new car replacement coverage for drivers who qualify.
Their rates usually run higher than budget insurers, but you get more service options. Some folks might say you get what you pay for.
The mobile app lets you manage your policy, file claims, and get roadside help. You’ll have 24/7 customer service for claims or questions.
Allstate’s strong financial ratings show they’re reliable when it comes to paying claims. That’s a little peace of mind if you ever need it.
AAA Texas
AAA Texas combines roadside assistance membership with car insurance coverage. You have to be a AAA member to buy their policies.
They design their coverage for Texas drivers and local road conditions. Membership comes with perks beyond insurance, like travel discounts and roadside service.
AAA Texas offers standard options such as liability, collision, and comprehensive insurance. You can visit local offices in Houston for in-person help.
Your rates depend on your driving profile and what coverage you choose. Bundling auto and home insurance can get you discounts.
AAA Texas puts a big focus on member service. They also offer resources to help you drive safer.
Chubb
Chubb specializes in high-value insurance for affluent clients. You’ll get higher limits and enhanced protection compared to standard policies.
The company targets drivers with luxury vehicles or significant assets to protect. Their rates are higher, reflecting the premium coverage.
Chubb gives you agreed-value coverage for high-end vehicles and better protection for expensive parts and accessories. They offer a white-glove claims service with dedicated adjusters.
Chubb has an A++ rating from AM Best, which signals strong financial stability. Policies may include worldwide coverage and higher liability limits.
Their underwriting team looks for low-risk drivers with great credit and clean driving records. If you fit that profile, you’ll see their best options.
Nationwide
Nationwide serves Houston drivers with standard auto insurance and several discount programs. Their SmartRide telematics program rewards safe driving with discounts.
You can manage your policy online or work with a local agent. Policy options include standard coverage and add-ons like gap insurance or rental car reimbursement.
Nationwide offers vanishing deductibles that decrease over time if you avoid accidents. Their rates sit in the mid-range compared to other Houston insurers.
Bundle auto insurance with home or other policies for multi-policy discounts. The mobile app gives you digital ID cards, claims filing, and policy management tools.
Customer service is available by phone, online, and in person. You’ve got choices for how you want to handle things.
Mercury
Mercury offers competitive rates for Houston drivers, especially those who need rideshare coverage. Their ride-hailing insurance covers all ridesharing phases and personal driving.
This makes Mercury a solid choice if you drive for Uber or Lyft. You can add endorsements like rental car reimbursement or roadside assistance.
Mercury doesn’t offer gap insurance, which matters if you have a new car loan. Still, their rates are usually affordable compared to bigger national companies.
Mercury holds an A rating from AM Best and a Bankrate Score of 3.5. You’ll find standard coverage and specialty endorsements for your needs.
Customer service includes online account management. It’s straightforward, even if not as flashy as some larger insurers.
Frequently Asked Questions
Car insurance costs in Houston depend on a bunch of factors, from your driving history to your neighborhood. Knowing what affects your rate and where to grab discounts can help you get a better deal.
What factors influence the cost of car insurance in Houston?
Your driving record matters a lot. One speeding ticket can bump your premium up by 23%—and an at-fault accident? That can raise it by 90%.
If you get a DUI, expect your rates to go up about 41% on average. Insurance companies take these things seriously.
Your credit score also has a big impact. Houston drivers with poor credit pay $259 more per month for full coverage than those with good credit.
Insurers see credit history as a clue about future claims. It might not feel fair, but it’s how the system works right now.
Age and experience behind the wheel are huge factors. Teens pay three times more than older drivers because of higher accident risk.
An 18-year-old will pay a lot more than a 30-year-old with a clean record. It’s tough, but experience counts.
Your address in Houston changes your premium, too. Downtown drivers pay about $51 more per month than folks in Kingwood.
High vehicle theft rates and severe weather risks drive up costs all over the city. It’s something every Houston driver deals with.
How can I find the best deals on car insurance in Houston?
Compare quotes from several companies to find the best rate. The price gap between the cheapest and most expensive insurer can be huge.
For example, teen drivers might save $688 per month on minimum liability by picking the right company. That’s not pocket change.
Most major insurers let you get quotes online, which makes comparison shopping easier. You can review rates from different providers in minutes.
It’s smart to shop around before your policy renews instead of right after an accident or ticket. Your current rate won’t change until renewal, but new quotes will already include those incidents.
Which company offers the most affordable full coverage auto insurance in Houston?
Texas Farm Bureau has the cheapest full coverage in Houston at $97 per month. That’s less than half the city average of $224 and $34 cheaper than the next best option.
State Farm comes in second at $131 per month. Their online quote process is a bit more user-friendly than Texas Farm Bureau’s.
Are there any local car insurance providers in Houston known for low rates?
Texas Farm Bureau stands out as a local option with the lowest rates for most Houston drivers. They offer $40 per month for minimum liability and $97 for full coverage.
Their online quote system isn’t as smooth as national carriers, but the savings are hard to ignore. They consistently undercut both local and national competitors for teen drivers and folks with tickets.
How do customer reviews impact the selection of a cost-effective car insurance plan in Houston?
Customer service matters when you’re picking an insurer. Texas Farm Bureau has reliable service along with low rates, though some drivers wish the quote process was easier.
Balancing cost savings and service reliability is key. The cheapest company only makes sense if they handle claims well and actually help when you need it.
What types of discounts might lower car insurance premiums for Houston drivers?
Good student discounts can cut costs for young drivers who keep up strong grades. Insurance companies usually offer these perks for teens and college students who hit certain academic marks.
Bundling your auto insurance with home or renters insurance often brings extra savings. Most big-name carriers have multi-policy discounts that help shrink your total insurance bill.
Adding a teen driver to a family policy tends to cost less than buying them their own plan. Sharing coverage with parents usually means better rates than juggling two separate policies under the same roof.
