As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Click here for our full-length guide to Texas car insurance quotes, discounts, and state requirements.
Car travel is the main mode of transportation for nearly 2.3 million Houston residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Houston. Let’s get on our way to great savings.
Cheapest Car Insurance Quotes in Houston
Here are the cheapest insurance companies in Houston based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.
Insurance Company Quotes
State Farm $166/month
USAA often offers the lowest car insurance rates to Texas drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.
Best Car Insurance Companies in Houston
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Houston. For the complete list, see Insurify’s best car insurance companies.
Insurance Company Score Quotes
Allstate 86 $142/month
Nationwide 84 $236/month
State Farm 83 $166/month
Mercury 81 $355/month
Progressive 80 $176/month
Compare Average Houston Car Insurance Premiums
Insurance rates vary greatly from city to city. Houston has comparable premiums compared to the state average, but higher than the national. Keep the savings rolling and compare policies on Insurify today.
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Houston Auto Insurance FAQs
Which company offers the cheapest auto insurance quotes in Houston?
A: The best way to get the cheapest car insurance in Houston and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
What are the penalties of driving uninsured in Houston?
Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and Texas SR-22 requirements.
What are the required insurance needs of Texas drivers?
To legally drive in Texas, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.
What happens if I get caught driving uninsured in Houston?
Driving uninsured puts yourself, your passengers, your property, and everyone around you in danger. Never drive uninsured. In the state of Texas, if a driver is found to be driving uninsured, punishments can have major, costly, and long-term repercussions. For the first offense of driving without financial responsibility, drivers will receive four points on their license, hundreds in fines, and license suspension. They may also be mandated to file SR-22 insurance.
Houston Auto Insurance Requirements
All vehicles on the roadways of Texas are required to hold sufficient liability insurance.
Liability coverage is a necessity. Texas‘s minimum coverage for liability car insurance limits are as follows:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation in your Houston auto insurance rates.
Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances.
For a free quote, compare auto insurance companies on Insurify.
Houston DMV Information
Houston, Texas has dozens of DMV outposts around the area. The opening hours vary between 8:30 AM and 6 PM with additional early morning, evening, and weekend hours. Some DMV services are offered online, including requesting duplicate registration cards, emissions waiver applications, and title change status. They also offer online services that may help you to skip your in-person DMV visit altogether.
Public Transit in Houston
The city of Houston offers residents and visitors expansive public transit options throughout the city and into surrounding areas. VIA Metropolitan Transit operates convenient, affordable bus routes around the city.
Houston also has a bike-sharing program called B-Cycle. For a low membership cost, patrons can conveniently and easily rent and return bicycles at 90 parking stations around the city/ And of course, Houston offers ridesharing services like Uber and Lyft, plus traditional taxis.
Even with these services, most Houston residents drive cars in and around the city. In fact, over 93 percent of households own vehicles, leading to frequent traffic jams out of the city. Make sure you are protected before hitting the road.
Due to its close proximity to Austin, San Antonio is well connected to other major Texan cities via long haul trains and buses.
Conclusion: How to get the best and cheapest car insurance in Houston
As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.
With an estimated 14.1 percent of vehicles driving uninsured throughout Texas, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.
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