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Houston is the most populous city in Texas and the fourth-most populous city in the United States. It is located in Southeast Texas near the Gulf of Mexico. With a census-estimated 2014 population of 2.239 it also is the largest city in the Southern United States. Almost 75% of Houston residents drive alone to work, which makes for some of the heaviest traffic in the country. With more than 2 million people on the road residents should take the time to explore all the options for cheap car insurance Houston has available.

A City Of Innovation

Houston, Texas is a large city in the southern part of Texas near the Gulf of Mexico.

It is known for the Nasa Space Center Training Center here.

Many generations have seen rocket launches and satellite take orbit from Texas.

Houston is an attractive city crammed full of life.

Situated close to the water, you are just as likely to have an outdoor adventure as a city-type adventure.

Stroll down to the Historic District where 19th Century architecture takes president.

Eat at an upscale restaurant and enjoy the friendly people.

Houston has a population of over 2 million people in Houston itself, it is a bustling city.

It is the fourth most populated city in the United States in fact.

Roads can get a little crowded and traffic is somewhat of a familiar thing here.

Visit the Houston Zoo or Aquarium with the kids.

Check out the amazing history behind this town and listen the sweet drawl of the people around you.

You can easily get swept up in the vibrance of Houston.

Are you planning to move here and purchase a home?

Do you already live here and commute in traffic?

You need insurance.

Getting the best cheap insurance Houston has to offer is easy.

Driving in Houston

According to Texas A&M’s Transportation Commission, Houston is one of the worst cities in the country for traffic congestion (second-worst after Atlanta). Census.gov data suggests that 20% of Houston drivers have a commute of over 45 minutes.

75% of Houston commuters drive solo and, with a population over 2 million, that means a lot of people on the road every day, and an increased risk of car accidents. The average number of hours a Houston commuter spends in traffic each year is over 50. That’s more than two days lost to traffic congestion, for an average cost of over $1,000 per worker.

Public transportation can help but the city is so spread out (almost 600 square miles, not counting the surrounding metro/suburban area), with workers commuting into and out of a number of different zip codes, most prefer the convenience of their car, even knowing that peak hour traffic will be bad.

The city is taking strides to help relieve some of the traffic pains, including new toll routes and an expanded rail system, but until those go into effect, the best way to plan your commute is to check one of the real-time traffic maps, like TranStar’s.

How Do I Attain Insurance In Houston?

The best way to start out your insurance seeking adventure is to talk with a broker.

A broker is a professional who knows the ins and outs of the insurance world.

You will want someone like this on your side!

Deciding what kind of insurance you need and how much could really hurt your bank account.

Working with a broker who is working for you and not the insurance company will help.

You want to familiarize yourself with the laws of your state.

Every state is different and has minimum mandatory requirements for car insurance or motorcycle insurance.

Educate yourself on the types of discounts you might qualify for and ways to bundle your insurance policies.

When you know more about a product, it becomes easier to understand its uses.

Insurance is a huge industry and it is easy to get lost.

Have a helpful broker who is on your side.

You won’t be sorry you talked to a Cheap Insurance representative.

Let’s see what kinds of insurance you may be looking for.

Insurance Requirements Houston

Car Insurance

Car insurance is a must whenever you drive a vehicle.

The state of Texas has a minimum requirement for what kind of insurance you will need.

Not only do you need insurance to drive, but a valid drivers license and registration on your car.

You should always keep these items in the glove box of your vehicle.

Getting your hands on the best cheap car insurance Houston has to offer is a breeze.

It’s important to have the right car insurance in Houston to protect not only yourself, but your vehicle too. When looking through the options for cheap car insurance Texas offers, the more information at your disposal the better. Remember that carrying the minimum coverage required by law may not be enough to cover you personally. Make sure your policy will cover all of your assets, even if you are in an accident with an uninsured driver.

Texas law requires drivers to pay for accidents they cause. Fault is ultimately determined by the state, using evidence and testimony gathered at the scene of the accident. The at-fault party is then required to pay all damages resulting from the accident.

Houston Insurance Facts

Pop Quiz: Beyonce Knowles (born in Houston) is driving her 2007 Pontiac Solstice to a Rockets game at the ToyotaCenter when a faulty ignition switch causes her vehicle to lose control and strike the vehicle in front of her, resulting in a five-car pileup. What kind of coverage does she need?

Answer: Her liability coverage will pay for any injuries and/or property damage she causes, but chances are she will need more than Texas’ minimum requirements.

If you’re a driver in Houston, you know that the law requires you to carry insurance. Head over to our state guide for more information on Texas’ state auto insurance requirements.

The average cost of auto insurance in Houston is around $1,200 which isn’t too bad considering the city’s size. It helps that the percentage of uninsured drivers is slightly lower than the national average.

According to the Insurance Research Council, 15% of drivers in Texas are uninsured. Penalties for driving without insurance can add up! $350 is the fine for a first-time offender, but repeat violations can result in fines of up to $1,000.

Houston has many insurance options for high-risk drivers (having a history of traffic tickets/accidents, or more than one major traffic violation such as a DWI), including TAIPA (Texas Automobile Insurance Plan Association) which is reserved for applicants who have been turned down by multiple insurance companies.

Before you go through a state run program though, you might want to get an online comparison quote. With so many companies competing for your business, the chances of getting an affordable rate are pretty good.

Houston Car Insurance Requirements

Houston Accident Statistics

According to the Texas Department of Transportation, HarrisCounty saw over 77,736 crashes in 2012. There were 360 fatalities and over 39,000 injuries. Major causes include speeding, weather and road conditions, and simple driver inattention.

Data like this helps insurance companies calculate their risk, so it is no wonder that Houston and the surrounding county is one of the most expensive areas for car insurance.

Crime and Auto Theft in Houston

Auto theft remains a leading contributor to rising insurance costs, as does personal property crime. Recent FBI data shows that there were over 13,000 motor vehicle thefts in 2012, with over 100,000 property crimes. That data means higher auto insurance costs, as well as higher homeowner’s and renter’s insurance.

The most commonly stolen vehicles in Houston for 2013 were:

More information on Houston’s crime rates can be found at the Police Department’s website.

Driving While Intoxicated in Texas is a serious offense that can result in fines up to $2,000 ($10,000 if you have a child passenger), not including the increase in insurance costs. You will spend up to 180 days in jail, and lose your license for up to 1 year.

For help understanding SR-22 filings we have a handy guide, as does the Texas Dept. of Public Safety.

Recommended Insurance Coverage

Remember, the average cost of an American automobile has risen to over $30,000 so, if you total one, Texas’ state minimum will not be adequate.

Having more insurance on your car insurance policy does not mean you will end up paying a ton more.

It means you will have added security.

You can bundle your car insurance policy with homeowners insurance or renters insurance and save.

Call a broker today and ask about what discounts you could qualify for.

Having the best insurance is a great feeling.

Houston Insurance and Consumer Resources

For information on Houston’s traffic law, the Governors Highway Safety Association has a list of recent law changes and the Department of Transportation has a page devoted to Traffic Operations, which is handy for new residents as well as locals.

The Texas Department of Insurance has a number of guides to help consumers check the license status of insurance agents, understand the state’s insurance requirements, and even report insurance fraud.

Helpful Resources

The Texas DMV’s website has numerous tools to help consumers register their vehicles, renew their driver’s licenses, or even buy and sell their cars. There are also guides to help new residents get settled into the “Lone Star State.”
Navigating the freeways in Houston can be tricky, so if you are new to the area, do a lot of planning ahead of time. No matter what, being safe on the road is a top priority. To keep you and your property protected, find out all you can about cheap car insurance in Houston by clicking on the “get a quote” button at the top of the page.