Houston, Texas, is known for its bustling roads and high traffic volume. With so many cars on the road, it’s important to have good auto insurance. But with so many options available, it can be challenging to find the right policy for your needs. In this article, we’ll review what to look for when shopping for auto insurance in Houston.

  1. Minimum coverage requirements

The first thing to consider when shopping for auto insurance in Houston is the minimum requirements set by the state. In Texas, all drivers must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage. This is known as the 30/60/25 rule.

It’s important to note that these are just the minimum requirements, and you may want to consider purchasing additional coverage for added protection.

  1. Comprehensive and collision coverage

Comprehensive and collision coverage are two types of coverage that help protect your car from damage. Comprehensive coverage typically covers damage caused by things like theft, vandalism, or natural disasters. Collision coverage, on the other hand, covers damage caused by a collision with another vehicle or object.

While these types of coverage are not required by law, they can be beneficial if you want added protection for your vehicle. You may also be required to purchase these types of coverage if you have a car loan or lease.

  1. Deductibles

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. Generally, the higher your deductible, the lower your monthly premium payments will be. But keep in mind that if you do need to make a claim, you will have to pay more out of pocket.

When shopping for auto insurance in Houston, consider what deductible amount works best for your budget and needs.

  1. Discounts

Many insurance companies offer discounts to policyholders. Some common discounts include:

  • Multi-vehicle discounts for insuring multiple cars on one policy
  • Bundling discounts for combining auto and home insurance policies
  • Safe driver discounts for drivers with no at-fault accidents or moving violations
  • Good student discounts for students with good grades
  • Military discounts for active-duty service members and veterans

When comparing auto insurance quotes in Houston, be sure to ask about any available discounts.

  1. Customer service and support

When you’re shopping for auto insurance, it’s important to consider the level of customer service and support a company offers. Look for companies with good customer reviews and ratings, as well as those that offer a variety of ways to get in touch, such as phone, email, and online chat.

You may also want to consider the company’s claims process and how easy it is to file a claim and receive support.

  1. Financial strength and stability

Insurance companies are rated by independent agencies based on their financial strength and stability. These ratings are important because they indicate the likelihood that the company will be able to pay out claims in the event of a disaster or catastrophic event.

When shopping for auto insurance in Houston, look for companies with high financial strength ratings from agencies such as A.M. Best, Moody’s, and Standard & Poor’s.

  1. Additional coverage options

In addition to the basic coverage options, many insurance companies offer additional coverage options, such as roadside assistance, rental car reimbursement, and gap insurance.

These types of coverage can be helpful if you want added protection or peace of mind. Just be sure to consider the added cost and whether the benefits of the coverage outweigh the cost.


Shopping for auto insurance in Houston can be overwhelming, but by considering these factors, you can make an informed decision and find the right policy for your needs. Remember to compare quotes from multiple insurance companies, ask about available discounts, and carefully consider the coverage options before choosing a policy. With the right auto insurance, you can enjoy the peace of mind that comes with knowing you’re covered on Houston’s busy roads.