Houston is located in southeast Texas; it is the most metropolitan area in Texas, and it is described as a racial and ethnic city in the US.
It is the fourth-largest city in the US by population; living in Houston, Texas, is usually fun as the metropolis has several places people can visit and so many things they can do.
Houston has connections to the space, sports, and transportation industries and has some of the country’s biggest parks and companies.
Houston is a very busy city; thus, its busy roadways and traffic jams can confuse drivers, so Houston drivers must protect themselves with car insurance.
Car Insurance Coverage in Houston
Houston requires certain car insurance coverages from drivers. Below are a few;
Bodily Injury Liability Coverage: This coverage provides financial protection in the case of an accident by paying the medical bills of injured persons. Houston law requires $30, 000 for bodily injury per person and $60,000 per injury per accident.
Property Damage Liability Coverage: This coverage helps to repair or replace other people’s properties that were damaged in an accident you caused. It is required by Houston law at $25,000 property damage per accident.
Uninsured motorist/underinsured motorist coverage: This coverage helps pay the medical bills and related expenses for drivers with little or no insurance coverage, most notably during a hit-and-run situation.
The Houston law does not require this coverage, however, it is included in some policies by default but can be rejected in writing.
Personal injury protection: This coverage helps pay for your medical bills and other related expenses irrespective of who caused the accident.
The Houston law does not require it but is sometimes included in some policies by default. However, you can reject it in writing.
Collision coverage: This coverage helps you repair or replace your vehicle in the event of a collision with a tree, fence, car, guardrail, or any other object.
It is not required by the Houston law and it can be omitted except you desire to include it in your coverage.
Comprehensive coverage: this coverage helps you replace or repair your vehicle if it is damaged by nature or due to vandalism and theft.
The Houston law does not require it, and it can be omitted; you can, however, decide to include it in your coverage.
Penalties for Driving Without Car Insurance in Houston
Every Houston driver is expected to have proof of insurance which is your financial responsibility to drive legally in Houston.
If you are seen driving without insurance, you will be punished by the Houston law, below are some of the penalties for driving without insurance.
- You may lose your driver’s license.
- You may pay very expensive fines.
- Also, you may lose your registration.
- You may face jail time.
Any of the penalties can be gotten depending on the gravity of the offense committed. It is more grievous when you cause an accident when you have no proof of insurance.
Cheapest Car Insurance Company in Houston
Some companies offer good coverage rates in Houston that can be easily purchased by Houston drivers, they also offer very good coverage options and impressive excellent service records.
Below are some of them:
- State farm with an overall rating of 9.3, average minimum coverage rate of $36, and average monthly full coverage rate of $129
- Geico with an overall rating of 9.1, an average minimum coverage rate of #50, and an average monthly full coverage rate of $147
- USAA with an overall rating of 9.2, average minimum coverage rate of $52, and average monthly full coverage rate of $184
- Nationwide with an overall rating of 8.7, average minimum coverage rate of $8.7, average minimum coverage rate of $77, and average monthly full coverage of $169
- Progressive with an overall rating of 8.7, average minimum coverage of $85, and average minimum coverage rate of $299
- Farmers with an overall rating of 8.4, average minimum coverage of $202, and average minimum coverage rate of $532
- Allstate with an overall rating of $8.3, an average minimum coverage of $62, and an average minimum coverage of $270.
- AAA with an overall rating of $7.9, average minimum coverage of $73, and average minimum coverage of $231
Houston Car Insurance Discounts
Houston is a city that helps drivers get quality coverage at a very low rate, making Houston drivers find many ways to save.
You can save and get discounts with your insurance company when you have home and car insurance with them.
However, you can save and get a discount when your vehicle is a current model year and you are the first owner.
You can save and get a discount as a young teenage driver in Houston if you meet the requirements. Being a new driver in Houston does disqualify you from the discount.
You can save and get a discount if you complete your defensive driving course. Also, have multiple cars on insurance, and have been proven to be a good driver.
What Happens to High-Risk Drivers in Houston?
High-risk drivers can keep SR22, which verifies they have purchased car insurance that meets the state’s requirements.
High-risk drivers who lost their driving privilege due to an accident, law violations, driving with an invalid license, and have been convicted more than twice can keep an SR22 file.
What is the Cheapest Car Insurance Company in Houston?
State Farm happens to have the cheapest rates in Houston, you can however compare quotes with other companies before concluding.
What is the cheapest car insurance in Houston when you are opting for full coverage?
When opting for full coverage, the company with the cheapest rates is Texas Farm Bureau. However, you can compare quotes from other companies before concluding.