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Best Car Insurance in Houston, TX

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Car insurance is a legal requirement, but it also protects you financially after an accident or theft. Because of Houston’s high population and frequent road work, drivers here should have enough coverage for vehicle repairs and personal injuries. We created this guide to the best car insurance in Houston to help you get the policy you need.

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Driving in Houston, TX

Drivers are legally required to have car insurance in Houston, but given the city’s unique challenges, many people feel safer knowing they have the additional financial protection given by liability or uninsured motorist coverage.

  • Crashes in Houston: There were more than 12,000 serious injury crashes and over 3,600 motor vehicle traffic fatalities in Texas in 2018. In Houston alone, there are more than 45,000 car crashes each year. Car insurance in Houston protects you financially after an accident and ensures you’re not left on the hook for expensive car repairs and medical bills.
  • Road conditions in Houston: Houston gets an average of 50 inches of rainfall each year, which is considerably more than the national average of around 32 inches. The excessive rainfall means the city is prone to flooding, which makes accidents more likely and degrades city streets and interstates. The resulting road closures and construction areas cause accidents and vehicle damage, as well. Given the weather and frequent construction here, Houston residents benefit from having a policy with enough coverage to protect themselves from a variety of hazards.
  • Vehicle theft in Houston: Each year in Houston, there are more than 98,000 property crimes, including almost 12,000 motor vehicle thefts. People living near Sunnyside and East Haven are more susceptible to vehicle theft than those living in areas like Clodine or Olcott. If you live in a high-risk area, make sure your car insurance policy has enough coverage to replace your vehicle after a theft.

Average car insurance cost in Houston, TX

Annual premiums for car insurance in Houston typically range from $500 to $2,000.

The neighborhood or ZIP code where you live affects the cost of your auto insurance policy based on how many stolen vehicles, fraudulent injury claims and reports of vandalism are made in the area. The table below demonstrates how the price of auto insurance in Houston changes depending on where you live. We used a 30-year-old woman looking for a single-car policy at different coverage levels to give you an idea of how much car insurance costs.

ComprehensiveLiabilityState minimum
Houston Heights - 77008$1,500$641$590
West University Place - 77005$1,000$590$558
Piney Point Village- 77024$1,500$669$628
Glenbrook Valley - 77061$2,000$743$638
Broadacres - 77006$1,500$620$568
Sunnyside - 77051$1,500$727$646

Additional factors car insurance providers in Houston might consider when determining the cost of your car insurance include:

  • Age
  • Gender
  • Marital status
  • Credit score
  • Coverage
  • Driving history

Houston drivers receive discounts for having excellent driving records, bundling policies or using anti-theft devices, so check with your insurance company to see if you qualify. Students and military members are often eligible for discounts and cheap car insurance.

Texas car insurance requirements

The Texas Department of Insurance requires drivers in Houston to have at least $30,000 of coverage for injuries per person, $60,000 of coverage per accident and $25,000 of coverage for property damage. Penalties for driving without proper coverage include fines, vehicle impoundment and suspension of your driver’s license.

Despite these penalties, around 20% of Texas drivers still don’t have auto insurance. Uninsured drivers cause car insurance prices to rise for everyone else. If you get into an accident with one, you need uninsured motorist coverage to receive reimbursement for damages from your insurance provider.

Houston car insurance alternatives

Though the city of Houston doesn’t have a program for auto insurance alternatives, it does offer SR-22 forms. SR-22 certificates verify that a driver is maintaining 30/60/25 liability insurance in Texas. These are commonly issued to high-risk drivers who have been convicted of a DUI or DWI, received an excessive amount of traffic tickets or caused an accident while uninsured.

If companies have denied your application for car insurance twice in the past 60 days, you might qualify for state minimum insurance from the Texas Automobile Insurance Plan Association.

Auto insurance in Houston FAQ

Why is car insurance so expensive in Texas?
There are several factors as to why Texas has higher car insurance rates than most states, including our car accident rates, high speed limits, number of uninsured motorists, vehicle theft rates and frequent natural disasters, like flooding and hurricanes.
How can I get car insurance discounts in Houston?
Insurance companies give discounts on car insurance in Texas for drivers who insure multiple vehicles, bundle policies with homeowners insurance, use anti-theft devices, have claims-free driving records, maintain low mileage or have excellent credit.
Do I need gap insurance coverage in Houston?
Gap insurance is an add-on car insurance coverage option that allows drivers to cover the gap between the amount they owe on their car and the car’s actual cash value. Texas law limits the cost of this coverage to 5% of the loan amount per the retail installment contract.

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    Houston car insurance company information

    A-Best Insurance

    A-Best Insurance offers auto insurance, commercial vehicle insurance, motorcycle insurance and SR-22 coverage through national companies like Progressive, Gainsco and United Automobile Insurance Company. The company has six-month and 12-month policies available. Consumers can view and purchase policies directly on the company’s website.

    • Address: 10508 Airline Drive, Ste. E, Houston, TX 77037
    • Phone: (713) 681-1967
    • Hours: M - F: 10am - 6pm; Sat: 10am - 4pm
    • Website: a-bestinsurance.com
    Texas Farm Bureau Insurance Houston

    Texas Farm Bureau Insurance provides Houstonians with liability, collision and comprehensive auto insurance. Additional coverage options include personal injury protection, death indemnity and uninsured motorist coverage. Customers with anti-theft devices and claims-free records receive discounts on their policies.

    • Address: 15302 Stuebner Airline Road, Ste. G, Houston, TX 77069
    • Phone: (281) 440-8067
    • Hours: M - F: 8am - 5pm
    • Website: txfb-ins.com
    American National

    American National specializes in providing instant car insurance quotes and affordable premiums. Its insurance product offerings include policies for cars, commercial vehicles and recreational vehicles. Customers can file claims and make payments directly online.

    • Address: 2600 S. Loop West, Houston, TX 77054
    • Phone: (713) 270-9990
    • Hours: Call for hours
    • Website: americannational.com
    A-Z Auto Insurance

    A-Z Auto Insurance provides car insurance, motorcycle insurance and SR-22 certificates. The company offers one-month and six-month policies, liability-only coverage, personal injury protection, roadside assistance and rental vehicle reimbursement. The company has more than 15 locations across Houston that are open six days a week.

    • Address: 726 Greens Road, Houston, TX 77060
    • Phone: (281) 854-4350
    • Hours: M - F: 9am - 7pm; Sat: 10am - 5pm
    • Website: aztexas.com
    A Abana Insurance Houston

    A Abana Insurance provides Houston residents instant auto insurance coverage in Texas. Consumers can file claims, make payments and change their policies directly on its website.

    • Address: 5239 North Freeway, Houston, TX 77022
    • Phone: (713) 692-4545
    • Hours: M - F: 9:30am - 6pm; Sat: 9:30am - 5pm
    • Website: a-abana.com
    Amtex Auto Insurance Houston

    Amtex Insurance sells car insurance, commercial vehicle insurance and motorcycle insurance in Texas. Its insurance policies come with optional rental car reimbursement. Customers can submit claims and pay their policies directly online.

    • Address: 10409 Bentley St., Houston, TX 77093
    • Phone: (713) 691-2525
    • Hours: M - F: 9am - 6pm; Sat: 10am - 5pm
    • Website: amtexinsurance.com
    Amco Insurance

    Amco Insurance offers auto insurance, commercial vehicle insurance, motorcycle insurance and SR-22 insurance in Texas. The company works with major carriers like Gainsco and Progressive. Potential customers can request a quote online. Current customers make payments on the company’s website.

    • Address: 5206 Airline Drive, Houston, TX 77022
    • Phone: (713) 244-5858
    • Hours: M - F: 9am - 7pm; Sat: 10am - 5pm
    • Website: amco.net
    Baja Auto Insurance Houston

    Baja Auto Insurance acts as an insurance brokerage, so its staff compares policies from multiple insurance providers to provide customers with options to fit any budget. It also helps customers with a history of tickets, accidents and DUIs find reasonably priced policies. The company offers roadside assistance and provides customers with emergency towing, jump starts and locksmith services.

    • Address: 12138 Veterans Memorial Drive, Houston, TX 77067
    • Phone: (832) 548-9372
    • Hours: M - F: 9am - 8pm; Sat: 9am - 7pm
    • Website: bajaautoinsurance.com
    Texas Insurance Agency Car Insurance

    Texas Insurance Agency sells policies for all kinds of people, including young drivers, drivers with suspended licenses and Houston residents who frequently travel to Mexico. The company’s agents work with more than 20 insurance carriers to provide multiple options for varying budgets and coverage needs. Request a quote and purchase your policy directly on the company’s website.

    • Address: 11540 S. Wilcrest Drive, Houston, TX 77099
    • Phone: (281) 988-8444
    • Hours: M - Sat: 9am - 7pm
    • Website: gettia.com

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