Houston is the largest city in Texas and is located in the southeast portion of the state. Founded in 1836, the city has grown to be an economical and cultural center in the Lone Star State. A population of over 2 million makes road congestion and motor vehicle crashes a major concern for drivers in the Houston area. Houston vehicle owners are required to have car insurance on their vehicles so, we compiled the information drivers need to understand to make sure they’re properly informed about car insurance policies, getting free quotes and driving within Houston.
Car insurance is a legal requirement for drivers in Houston, Texas, and it’s important to have proper coverage to protect yourself and others on the road. Here’s a guide to understanding car insurance in Houston and the factors you should consider when selecting a policy.
The average cost for car insurance in Houston for state minimum coverage is $108 per month or $1,295 yearly. If you were looking for a full coverage policy you can expect to pay around $168 a month or $2,016 a year. Auto insurance quotes will vary depending on several factors, including your age, driving history, type of vehicle, coverage limits and other factors.
Houston is known for having relatively higher car insurance rates compared to other cities in Texas due to high population density, traffic congestion, and a higher incidence of accidents. Here is a breakdown of car insurance rates based on your current Houston county and car type for full coverage:
|Avg. Yearly Costs:||$1,295||$1,113||$1,236||$1,295||$1,362|
To get the most accurate and up-to-date information on car insurance costs in Houston, we recommend contacting insurance providers directly or using our online comparison tool.
The cheapest car insurance providers in San Antonio is USAA, Texas Farm Bureau, AAA and Progressive for the average middle-aged single person who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle:
|Insurance Provider:||State Minimum:||Full Coverage:|
|Texas Farm Bureau||$638||$2,025|
The average cost for auto insurance for a newer 2022 – 2023 vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown insurance providers for both coverage types on a new vehicle:
|Insurance Provider:||State Minimum:||Full Coverage:|
Age is a significant factor that affects Houston auto insurance rates. Generally, younger and older drivers tend to pay higher premiums compared to drivers in the middle age group. Here’s how age can influence car insurance costs:
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you age.
|Driver’s Age:||State Minimum Coverage||Full Coverage|
Houston drivers must carry a minimum level of liability insurance, including $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident. This is often referred to as 30/60/25 coverage.
When reviewing car insurance types it’s important to make sure you select the correct coverage and policy type. Here are the different coverage options for Houston drivers to choose from:
Several factors can influence your car insurance premiums in Houston, including your driving record, age, gender, location, type of vehicle, annual mileage, and credit history. If you have a clean driving record and take advantage of available discounts, you may be able to lower your premiums.
Houston insurance providers often offer discounts that can help reduce your premium and overall costs. Some common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same provider), anti-theft device discounts, and good student discounts. You will often receive a discount for bundling insurance types such as a home and car policy bundle.
It’s essential to compare quotes from different insurance companies to find the best coverage at an affordable price. Consider reaching out to multiple insurers or using online comparison tools to compare rates and coverage options.
Be sure to also choose the right deductible amount when comparing multiple quotes. A deductible is the amount you’re responsible for paying out of pocket before your insurance coverage kicks in. Higher deductibles can lower your premiums but remember to choose a deductible that you can comfortably afford to pay if you need to file a claim after an accident.
Before purchasing car insurance, make sure you understand the policy terms and conditions. Read through the policy document carefully and ask your insurance agent or representative to clarify any uncertainties. The verbiage used in your policy will ultimately determine your overall coverage.
Remember, it’s crucial to maintain continuous car insurance coverage in Houston. Driving without insurance or allowing your coverage to lapse can result in fines, license suspension, and other penalties. Be sure to review your policy regularly to ensure you have adequate coverage based on your changing needs. Insurance Quotes can help you compare multiple rates online fast with one simple form.
In Texas, a driver faces a DWI charge if he or she has a blood alcohol concentration (BAC) of 0.08 percent or higher, according to the state Department of Transportation. However, a driver can be considered impaired due to alcohol or other drugs, no matter what the BAC is. A driver or passenger faces a fine of up to $500 for keeping an open alcohol container in a vehicle.
A first-time DWI offender in Texas faces:
If a driver receives at least two DWI convictions within five years, he or she must install a special ignition switch that prevents that person from driving after drinking. This will also increase overall costs of your car insurance rates.
In Texas, you can be accused of child endangerment for driving while intoxicated if any passengers under 16 were passengers in your vehicle. A conviction can lead to a $10,000 fine, a two-year prison sentence and loss of your driver’s license for 180 days.