Houston Car Insurance Quotes
- info-world
- Apr 5, 2015
- 2 min read
With a population of around 2.2 million people, Houston is the fourth largest city in the United States. Now, Houston residents can get car insurance savings that are every bit as big as their city with QuoteWizard.
We help consumers compare rates from the top national car insurance companies and local independent agents. QuoteWizard can save Houstonians up to 40% on their car insurance.
Last year, 58,759 Houston residents used QuoteWizard to compare car insurance rates.
Average Houston Insurance Rates
You can thank bad driving and an extremely high vehicle theft rate for rising car insurance rates in Houston. Average rates here are higher than both the state and national averages. Prices may vary depending on your limits, coverage, and the total number of insurance claims filed in your zip code. On average, car insurance in Texas costs $858.54 a year compared to the national average of $814.99. Average rates for full coverage insurance policies will be much higher.
Texas Average Car Insurance Cost
If you think you're paying too much for your car insurance, request a car insurance quote and QuoteWizard will connect you with top Houston insurance agents that can help you get great coverage at the best price.
Most Common Vehicles By Quote Requests
These are the 10 most common vehicles owned by Houston, Texas drivers requesting car insurance quotes through QuoteWizard in the past year.
Houston, TX Minimum Insurance Requirements
Texas, Houston's home state, has a minimum liability car insurance coverage requirement known as the 30/60/25 rule which means each policy must include at least:
Individual Bodily Injury Liability (BIL):This is the maximum amount that your insurance company will pay for an individual person injured in a car accident. Houston's BIL minimum is $30,000.
Total Bodily Injury Liability:This is the maximum amount that your insurance company will pay in total for every person injured in a car accident. Houston's total BIL minimum is $60,000.
Property Damage Liability (PDL):This is the maximum amount that your insurance company will pay for property damage caused by a car accident. Houston's PDL minimum is $25,000.
The Minimum May Not Be Enough
Even though the minimum insurance requirements in Houston, Texas are 30/60/25, it's important to consider purchasing more than the bare minimum. With so many cars on the road worth $50,000 or more, it doesn't take much for a car accident to produce tens of thousands of dollars in damage. The same goes for Bodily Injury Liability requirements.
It's definitely worth paying a few dollars more for higher coverage levels. Otherwise, you take the risk of finding out after an accident that you don't have enough insurance. Often, it doesn't cost much to bump state minimum levels up to a safer level like 100/200/100.
