Houston car insurance

Get your auto insurance in Houston

Need auto insurance in Houston? Get a quote, bind your policy, and get on the road in minutes. You can even share your driving data to possibly get a lower rate. 

Easily manage your policy in the Root app, where you can view insurance cards, file a claim, and make changes to your coverages.

Houston auto insurance coverage

If you own a car and drive in Texas, you're required to purchase auto insurance and meet certain minimum coverage amounts. Texas requires that all drivers purchase auto insurance with Liability coverage from a company authorized to do business in the state of Texas. Minimum coverage requirements include:

• $30,000 for Bodily Injury (per person)

• $60,000 for Bodily Injury (per accident – multiple people injured)

• $25,000 for Property Damage

You may want to consider purchasing more than the absolute minimum amount of coverage—while it may raise your monthly premium, higher coverage levels mean that you’re better protected in the event of an accident.

While Texas doesn’t have any requirements concerning Comprehensive, Collision, or other coverages, consider how much you could afford to pay for repairs if your car was damaged. Purchasing additional insurance coverage can save you a significant amount of money if you get into an accident or if something happens to your car. For example, Collision insurance can help you pay for repair costs after a fender bender, and Comprehensive insurance can help you save money if an expensive part is stolen from your car. Types of additional insurance coverage you should consider include:

• Comprehensive 

• Collision 

• Medical Payments

• Rental Car 

• Roadside Assistance

If you’re stopped for a traffic violation or after an accident, Texas requires that you provide proof of insurance. The good news is that Texas accepts evidence of insurance presented on a cell phone, so you can pull up your insurance cards quickly and easily in Root’s mobile app.

Houston car insurance cost and quote

The average Texan pays $1,710 per year for car insurance. But like major cities across the country, Houston insurance costs are often much higher than the rest of the state. 

While auto insurance in Houston is often high, that doesn’t have to be the case. After you get on the road with Root, you can share your driving data to potentially unlock much lower rates with Root than with other auto insurance companies just by being a safe and responsible driver.

By sharing your driving data, Root could save you up to $1,300 a year on car insurance. Start by getting a quote now.