Houston Car Insurance

Find the right car insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


The metropolitan area of Houston contains over 3,700 miles of freeways and expressways within its 10,000 square miles. Unfortunately, of the Texas Department of Transportation’s 100 most congested roadways, 29 are located in Harris County. If you rely upon your vehicle for daily transportation, be sure you purchase good Houston, TX car insurance.

You will not have to go far to find the right coverage if you contact a Trusted Choice® member agent. These local, independent agents can help you compare Houston car insurance quotes from multiple insurers. They can also answer your policy questions and provide professional service for all of your insurance needs in the future. Contact a member agent for quotes and assistance today.

Texas Car Insurance Costs:

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th most expensive premiums in the US

While Texas car insurance rates tend to be higher in more densely populated areas, you really cannot estimate how much your own rates will be until you compare quotes from a handful of companies. Insurers consider your age, driving history, the type of vehicle you own, and many other things as they underwrite policies and calculate quotes.

For example, a work-at-home mom who only uses her car to drive the kids to school and run errands may get better rates than her teenage son. A local member of the Trusted Choice network can help you compare Houston car insurance companies to find the best deals for all of the drivers in your family.


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Our independent agents shop around to find you the best coverage.

Texas Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage

Houstonians are required to carry required minimum auto coverage like all other Texans. There are stiff penalties for failure to carry the required insurance coverage. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.

Texas Uninsured Motorists:

  • National uninsured motorists: 12.6%
  • Texas uninsured motorists: 13.3%
  • Average vehicle repair cost in Texas: $2,434

The Texas Sure program gives police and other officials access to a database that cross-references vehicles with liability insurance policies. Besides risking a fine, uninsured area drivers cannot renew their vehicle registration, driver’s license, and safety inspection sticker without the minimum required auto insurance.

The risk that uninsured or underinsured drivers pose to you is not to be understated. If you get into an accident caused by a driver without the proper insurance coverage, you could be left with major costs from medical payments and collision repair. Fortunately, uninsured/underinsured motorist coverage can compensate you for your losses from uninsured drivers, which can give you peace of mind on the road.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Auto Thefts in Texas:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Texas vehicle thefts (per 1,000 registered vehicles): 3.28

According to The National Insurance Crime Bureau, the Houston metro area ranked 30th on the list of US cities with the highest rate of auto theft. The city had the 2nd highest ranking out of all Texas cities. Only comprehensive auto insurance can compensate you after your car or truck is lost or damaged due to theft, vandalism, severe weather, fire or flood. Ask an independent agent for more information on the right combination of coverage options for your needs and risks.

Compare Houston Auto Insurance Quotes

If you rely on your car or truck, protect it (and your family) with the right auto policy. A Trusted Choice network member agent can help you choose the right policy options and compare Houston car insurance rates. Contact a Trusted Choice member agent who specializes in auto insurance today.

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