Best Car Insurance Companies in Houston, TX 2023

Several aspects of the driver and the car being insured affect which car insurance company in Houston is the best fit. However, when deciding on a service provider, customers place a premium on two factors: cost and the level of happiness they’ve experienced in the past. Read further to learn more about everything about the best insurance companies in Huston and how to get the best one that suits your needs. Enjoy the ride with me!

Best Houston Car Insurance Companies

Nobody’s preferred insurance provider will be the same for everyone. Instead, to determine the best insurance choice for you, you’ll need to consider factors specific to your case against your coverage requirements and spending limit.

Here’s a detailed look at some of the most affordable car insurance options in Houston based on various circumstances and requirements, such as needing liability-only coverage, having a history of accidents, and purchasing insurance for young drivers. The following are the best Houston car insurance companies you can opt for:

#1. Texas Farm Bureau

Texas Farm Bureau is in both categories for striking a fair balance between cost-effectiveness and first-rate client satisfaction. it also provides a few necessary coverages that the majority of drivers can use, but there aren’t many possibilities for add-on coverage overall. However, it is one of the best car insurance companies you can opt for in Houstson.

If you have a full coverage policy with the Texas Farm Bureau, you can add rental car and/or trip reimbursement coverage. This makes sure that if your car needs repairs after an accident or breakdown, it won’t disrupt your everyday activities. Roadside assistance, which covers non-collision events, can also be added to your coverage. In the event of a mechanical breakdown, you can quickly call for assistance and receive up to $120 in coverage for things like fuel delivery, tire changes, towing, and locksmith labor.

#2. State Farm

Drivers with prior convictions, who typically pay more for car insurance, can get excellent customer service from State Farm at affordable prices. Although the company only offers a few add-on coverage options, it does include roadside assistance, rental car reimbursement, and/or reimbursement for travel expenses, which can be useful for drivers with a history of infractions.

Rental car and/or travel reimbursement can pay for the cost of a rental automobile up to the policy’s limitations and up to $500 for meals, accommodation, and transportation if you are in an accident. Additionally, if you cause an accident in your rental automobile and State Farm determines that you are to blame, they will reimburse your deductible up to $500. Another crucial insurance policy is emergency roadside assistance, which can assist in paying for mechanical repairs, towing services, and locksmith services in the event of a breakdown.

#3. GEICO

GEICO has a 97% customer satisfaction rating and a 4.3 Insurify Quality Score. If you have a speeding ticket or accident on your driving record, GEICO offers competitive rates, customizable insurance coverage options, and online quotes. In Houston, the average monthly price for GEICO auto insurance is $117 for a speeding ticket and $125 for an accident that was your responsibility.

#4. Chubb

Chubb, which achieved high grades for both customer satisfaction and claims handling, sets the standard for outstanding customer service in Houston. In addition, the provider provides unusual coverage choices, such as OEM coverage, which is less typical among insurers.

Coverage from the original equipment manufacturer (OEM) is one way to make sure your car keeps running smoothly. Chubb will cover the cost of having your car fixed using genuine parts if it is harmed in an incident that is insured. In the event that your car is temporarily out of action, the company also provides rental car reimbursement coverage, which will cover the cost of a rental car. In the event of a total loss, Chubb’s Agreed Value Coverage will also pay you the predetermined sum that was determined when you bought your insurance. Also, in the case of a covered loss, this could possibly save you thousands of dollars.

#5. Allstate

Allstate offers Houston drivers brand-new cars with cheap premiums and a variety of add-on coverage options, such as new car replacement coverage. The company will also pay for the cost of a brand new car if your car is wrecked in a covered occurrence and is two model years old or less. This policy is crucial for drivers of new cars who want additional financial security.

Allstate’s accident forgiveness coverage, on the other hand, guarantees that your rate won’t go up after an accident, even if it was your fault. The insurance provider also provides custom parts coverage, a less popular choice that covers the cost of modifications to your car like height-extending roofs or unique paintings.

Car Insurance Requirements in Houston

The majority of states mandate that all drivers have liability car insurance. All drivers in Houston are required to carry a minimum level of liability insurance, but you can always pay for more protection if necessary.

Because Houston is an at-fault state, if you cause an accident, your insurance company will pay for the damage to the other drivers’ cars and contribute to their medical costs. Furthermore, all Houston insurance includes PIP, which will help pay for your medical bills if you are at fault in a collision. But if you don’t want this coverage, you may withdraw your consent in writing.

Houston drivers must maintain the following minimal levels of insurance:

Physical injury liability
$30 000 per individual
$60 000 for each accident
liability of property damage
$25k for each accident

You may wish to think about acquiring additional insurance protection, depending on your requirements and scenario, such as:

Uninsured driver
Uninsured driver
Comprehensive
Collision
Towing service

How to Find the Best Car Insurance Companies in Houston

When contrasting several car insurance providers, take into account aspects like claim administration, price, client satisfaction, and financial stability. In this article, I covered a lot of information on Houston insurers, but you may also conduct your own research by using the methods listed below:

#1. Research customer service reputations in Houston

You can look up the insurers you’re thinking about using the J.D. Power studies and NAIC complaint ratio data that we utilized to assess the customer service quality of providers and create this guide for your convenience. The Texas Department of Insurance is another excellent resource to contact if you need more details about Texas insurance companies.

#2. Quote comparisons

We advise getting estimates from at least three firms while looking for the best auto insurance plan for you. This will give you a better idea of the cost you can anticipate. Expect your prices to differ from the rates listed here, which are averages based on sample driver profiles. Your quotes will be influenced by factors including age, location, and driving history.

#3. Find the coverages you want in Houston

If you desire a certain discount or add-on coverage, be careful to confirm that it is offered in Houston. Auto insurance carriers may advertise discounts and coverages that are not available in all areas. To verify, you might have to speak with a representative.

#4. Check the ratings of financial stability

To determine how probable an insurer is to be able to pay claims, look at their financial strength ratings. Financial stability ratings for larger insurance carriers are often higher than for smaller regional providers.

Houston Car Insurance Rates According to Credit Tier

Houston is one of the places where insurers are permitted to take your credit score into account when determining car insurance rates. Insurance companies in Houston look at your credit report to assess your likelihood of making an insurance claim.

A credit score of 720 or greater is also typically regarded as outstanding, and the higher your credit score, the better your chances of obtaining cheaper car insurance. A lower credit score does not automatically result in higher insurance premiums because insurers may take other criteria into account. For a chance at lower rates, you can prioritize raising your credit score. Based on your credit score tier, below are some monthly average estimates for vehicle insurance in Houston.

Read Also: CAR INSURANCE COLORADO: Coverage, Cost & Best Options

What Other Kind of Car Insurance in Houston Should I Have?

There are many circumstances in which you would want additional protection. Houston residents should be particularly cautious about flooding. According to the National Insurance Crime Bureau, Hurricanes Harvey and Irma caused more than 637,000 car damages in Houston in 2017.

#1. Comprehensive Insurance will Pay if a Flood Damages or Destroys your Car

Numerous other events are covered by collision and comprehensive insurance, such as car theft, hail, fire, falling items, vandalism, and collisions with animals and birds. If you have a car loan or lease, they are typically necessary.

#2. Protection against Personal Injury

Personal injury protection (PIP) of $2,500 is a standard feature of Houston car insurance coverage, but you are free to decline it in writing. No matter who caused the collision, PIP insurance covers your and your passengers’ medical expenses. You might think twice about declining PIP if you have an excellent health insurance plan. However, you should be aware that PIP also pays for costs that health insurance won’t: 80% of the wages you lose as a result of the accident, as well as “replacement services” like child care.

Medical expenses and lost pay might also easily exceed $2,500. PIP coverage may need to be increased to $10,000 or more.

#3. Medical Payments Coverage

Houston also offers medical payments (MedPay) insurance. Similar to PIP, it covers medical expenses for you and your passengers regardless of who caused the collision. It will also compensate you if you were hurt while riding a bicycle, walking, or riding someone else’s car. However, unlike PIP, MedPay does not pay for missed wages or substitute services.

#4. Coverage for Uninsured and Underinsured Drivers

There will always be motorists on the road with little or no insurance. With uninsured and underinsured motorist coverage, you can create a defense against them. Your medical and auto repair expenses will be covered by this. Additionally, it compensates you if a hit-and-run driver causes your accident.

How Many Drivers in Houston are Uninsured ?

According to the Insurance Research Council, 8% of Houston drivers are uninsured. You try to sue the uninsured driver to receive compensation if they hit you. Alternatively, you can utilize your collision insurance for auto repairs or your uninsured motorist coverage for injuries.

Penalties in Houston for Using a Vehicle Without Insurance

If you are discovered driving without insurance, you might face fines ranging from $175 to $350 as well as a three-year license fee of $250.

What Is the Best Cheap Car Insurance Company in Houston?

Texas Farm Bureau has the cheapest vehicle insurance in Houston, with an average annual premium of $424 for a policy with the bare minimum of coverage. Due to its excellent customer service and affordable premiums, this insurer has a MoneyGeek rating of 81 out of 100. Drivers can also take advantage of savings by being careful drivers and combining coverage. The best option in Houston for elderly and young adult drivers is the Texas Farm Bureau.

When Can a Car in Houston Be Declared Totaled?

If damage to a vehicle exceeds 100% of its real financial worth, it is deemed totaled in Houston. A crash, flood, fire, or other incident could be the cause of this.

You can file a claim against their liability insurance or utilize your own collision insurance if someone hits your car and totals it. Depending on the cause, you can utilize your collision or comprehensive insurance if you total your own car or it gets washed away in a flood.

Is Car Insurance more Expensive in Houston?

Houston’s monthly average for car insurance is $326. This is 25% more expensive than Texas’s $260 per capita state average rate. Larger cities may have higher car insurance costs for drivers because of the frequent increase in traffic and accidents there. The cost of car repairs and medical expenditures that insurance would have to cover after an accident is another variable that differs by city and could have an impact on rates.

How much Does Houston Car Insurance Cost?

Houston’s monthly average for car insurance is $326. This rate is more expensive than those found in Austin, Arlington, Fort Worth, and many other major Texas cities.

Who are the Top Car Insurance Providers in Houston?

State Farm, GEICO, and Allstate are the top vehicle insurance providers in Houston, A.M. Best gives all three companies high marks for financial stability, while State Farm is ranked highest by J.D. Power in customer satisfaction.

How much Car Insurance is Required in Houston?

Drivers in Houston must carry a minimum level of liability insurance, but you can always pay for more protection if necessary. Houston law mandates that you maintain bodily injury liability insurance with limits of $30,000 per person and $60,000 per accident.You must also carry a $25,000 per accident property damage liability policy.

Does Houston have a No-fault Law?

Houston is an at-fault state. This means that if you are to blame for the accident, your insurance carrier will pay for the damage to the other drivers’ cars and contribute to paying their accident-related medical bills. The insurance firms of all parties involved will concentrate on paying for the damage suffered by their own insured under a no-fault state.

Final Thoughts

Getting the best car insurance is not enough in Ohio. Try to do research about the company, the rate and other things. Don’t just decide about going for it; try and make your findings.