Cheap Car Insurance in Houston, Texas (With 2024 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Houston

Lowest Premium

$409 / YEAR

Average Premium

$660 / YEAR

Highest Premium

$1000 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Houston is around $660 and can go upto $1000. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.

It is legally mandatory to have car insurance in Houston. There are more than a dozen insurers in the city that offers car insurance. A full coverage car insurance in Houston costs around $1700 on average. This is very high compared to the state average car insurance which is around $1200. The most expensive car insurance in Houston city is around $3000.

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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Houston by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Houston. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Scroll inside this box to view all zip codes

ZipAvg. Premium
77001$684
77002$650
77003$669
77004$682
77005$604
77006$626
77007$619
77008$614
77009$635
77010$644
77011$658
77012$639
77013$622
77014$649
77015$615
77016$672
77018$634
77019$625
77020$657
77021$652
77023$653
77024$611
77025$632
77026$661
77027$605
77029$620
77031$630
77033$667
77034$643
77035$645
77036$666
77037$663
77039$637
77045$673
77046$617
77049$628
77050$651
77051$654
77053$647
77054$624
77055$629
77056$618
77059$595
77060$640
77064$623
77067$675
77068$613
77069$606
77071$664
77075$648
77076$674
77080$636
77081$659
77088$665
77090$642
77093$670
77094$608
77204$679

Insurance Agents in Houston, TX and Near by

  • 0 mi
    Bob White & Associates
    Po Box 73009, Houston, TX 77273
    (281) 443-7986
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  • 1.47 mi
    Pam Ellis
    5900 Memorial Dr Ste 301, Houston, TX 77007
    (713) 869-7263
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  • 1.47 mi
    Pasadena Insurance Agency
    99 Detering St Ste 280, Houston, TX 77007
    (713) 869-6991
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  • 1.47 mi
    Darrell Defee
    308 Westcott St, Houston, TX 77007
    (713) 868-6987
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  • 1.47 mi
    Goosehead Insurance - Markus Tolson
    5115 Washington Ave, Houston, TX 77007
    (713) 880-5225
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  • 1.47 mi
    Andrew Graesser
    5225 Katy Fwy Ste 260, Houston, TX 77007
    (281) 822-8850
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  • 1.47 mi
    Goosehead Insurance - Laura Feldman
    5225 Katy Freeway Suite 203, Houston, TX 77007
    (713) 766-3303
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  • 1.47 mi
    Speck Insurance & Financial Services
    5225 Katy Fwy Ste 496, Houston, TX 77007
    (713) 467-1100
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  • 1.47 mi
    Axis Insurance Agency
    5225 Katy Fwy Ste 615, Houston, TX 77007
    (713) 552-9292
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  • 1.47 mi
    Kathy Huynh
    5151 Katy Fwy Ste 302, Houston, TX 77007
    (713) 893-3910
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  • 1.47 mi
    Barry Hoskins
    602 Sawyer St Ste 111, Houston, TX 77007
    (713) 426-4440
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  • 1.47 mi
    Jessica Hong
    1722 Washington Ave Apt B, Houston, TX 77007
    (713) 434-2060
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  • 1.47 mi
    Jose S. Hernandez Insurance Agency
    1209 Crockett St Apt 1, Houston, TX 77007
    (713) 225-0301
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  • 1.47 mi
    Jeri McKinley
    535 Studewood St, Houston, TX 77007
    (713) 869-2669
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  • 1.47 mi
    Goosehead Insurance - Chase JohnsonTyler Ballew
    802 Yale St, Houston, TX 77007
    (713) 966-6611
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  • 1.54 mi
    James Banks
    4809 Main St, Houston, TX 77002
    (713) 523-7100
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  • 1.54 mi
    David Cohen
    3401 Louisiana St Ste 330, Houston, TX 77002
    (713) 659-3276
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  • 1.54 mi
    Natalie Barry
    2302 Fannin St Ste 150, Houston, TX 77002
    (832) 203-8525
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  • 1.54 mi
    Victor Ross
    2302 Fannin St Ste 101, Houston, TX 77002
    (713) 651-1717
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  • 1.54 mi
    David L Edwards - United National Insurance Agency
    2201 Caroline St, Houston, TX 77002
    (713) 655-0335
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  • 1.54 mi
    Marsh Private Client Services
    500 Dallas St Ste 1500, Houston, TX 77002
    (713) 276-8000
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  • 1.54 mi
    People's Trust Financial
    777 Walker St Ste 2400, Houston, TX 77002
    (844) 215-7863
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  • 1.54 mi
    Balke Insurance Agency
    815 Walker St Ste 150, Houston, TX 77002
    (713) 227-1567
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  • 1.54 mi
    TWFG Insurance Services - Larry O'Neal
    723 Main St Ste 700, Houston, TX 77002
    (281) 974-2964
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  • 1.77 mi
    Insure H-Town
    1973 W Gray St Ste 23, Houston, TX 77019
    (832) 300-9900
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  • 1.77 mi
    Sam Zahedani
    1950 W Gray St Ste 1, Houston, TX 77019
    (713) 942-8811
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  • 1.77 mi
    GO! Insurance Agency
    1302 Waugh Dr Ste 185, Houston, TX 77019
    (346) 221-5514
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  • 1.77 mi
    Scott McNab
    1005 Waugh Dr Ste B, Houston, TX 77019
    (713) 520-5556
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  • 1.77 mi
    Luke Bohlman
    522 Waugh Dr, Houston, TX 77019
    (281) 370-1000
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  • 1.77 mi
    Andres Leday
    2777 Allen Pkwy Ste 920, Houston, TX 77019
    (713) 522-7520
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  • 1.77 mi
    Wortham Insurance & Risk Management
    2727 Allen Pkwy, Houston, TX 77019
    (713) 526-3366
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  • 1.77 mi
    Vincent Chiodo
    1908 W Lamar St, Houston, TX 77019
    (713) 339-1500
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  • 1.92 mi
    Carl S. Smith
    1200 Mckinney St Ste 309, Houston, TX 77010
    (713) 658-0869
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  • 1.92 mi
    James Devore
    1200 Mckinney St Ste 309, Houston, TX 77010
    (713) 658-0869
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  • 1.94 mi
    E Bailey Moore
    1635 Richmond Ave, Houston, TX 77006
    (713) 522-6511
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  • 1.94 mi
    Independent Agency of Southwest Houston
    2117 Dunlavy St, Houston, TX 77006
    (713) 355-7228
    <p>The Independent Insurance Agents of Houston (IIAH) is a nonprofit trade association of local Houston area independent insurance agencies and affiliate companies. Chartered by the State of Texas in 1924, it is the largest local independent insurance agent association in the US.</p>
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  • 1.94 mi
    Jeremy Henry
    4203 Yoakum Blvd Ste 320, Houston, TX 77006
    (281) 974-4001
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  • 1.94 mi
    Houston Business Insurance Agency
    3718 Mount Vernon St, Houston, TX 77006
    (713) 979-1001
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  • 1.94 mi
    Insurance Superstore
    1325 Westheimer Rd, Houston, TX 77006
    (713) 290-8326
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  • 1.94 mi
    Nitsche Group
    708 Sul Ross St, Houston, TX 77006
    (713) 522-6956
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  • 1.94 mi
    Rodney Poole
    2020 Montrose Blvd Ste 300, Houston, TX 77006
    (713) 528-9955
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  • 1.94 mi
    Accurate Auto Insurance
    2450 Louisiana St Ste 400 Ste 942, Houston, TX 77006
    (713) 496-9176
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  • 1.94 mi
    Tara Insurance Agency
    2405 Smith St, Houston, TX 77006
    (346) 772-5893
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  • 1.94 mi
    Tyrone Family Insurance Agency
    2405 Smith St Ste 204, Houston, TX 77006
    (713) 526-5800
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  • 10.04 mi
    Amtex Insurance
    8201 1/2 Broadway St, Houston, TX 77061
    (713) 643-2222
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  • 10.04 mi
    Al Johnson
    8121 Broadway St Ste 230, Houston, TX 77061
    (281) 481-5778
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  • 10.04 mi
    L.A. Insurance Agency TX45
    7733 Bellfort St, Houston, TX 77061
    (832) 582-8333
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  • 10.04 mi
    Dartallan A Harris Jr
    7701 Bellfort St Ste 7, Houston, TX 77061
    (713) 517-8174
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  • 10.04 mi
    Jose Pereda
    7640 Bellfort St Ste A, Houston, TX 77061
    (713) 659-0930
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  • 10.04 mi
    A-Max Auto Insurance
    6716 Telephone Rd, Houston, TX 77061
    (713) 644-5000
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  • 10.04 mi
    Guard Co Insurance
    6790 Telephone Rd, Houston, TX 77061
    (713) 649-4440
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  • 10.04 mi
    Tristan Insurance
    6880 Telephone Rd Ste H, Houston, TX 77061
    (832) 845-2949
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  • 10.08 mi
    United Aline Services
    6750 West Loop S Ste 720, Houston, TX 77036
    (713) 588-1498
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  • 10.08 mi
    Tony Ponce De Leon
    6600 Harwin Dr Ste 150, Houston, TX 77036
    (713) 787-9090
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  • 10.08 mi
    TWFG Insurance Services - Edgar Reyes
    6666 Harwin Dr Ste 225, Houston, TX 77036
    (713) 729-1118
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  • 10.08 mi
    Affordable Insurance of Texas
    5959 Hillcroft St Ste D, Houston, TX 77036
    (713) 977-4040
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  • 10.08 mi
    Mohammed Khan
    5823 Hillcroft St, Houston, TX 77036
    (713) 781-0668
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  • 10.08 mi
    Laraas Corporation
    5663 Hillcroft St, Houston, TX 77036
    (713) 782-0777
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  • 10.08 mi
    Mohammed Kader
    5712 Hillcroft St, Houston, TX 77036
    (281) 530-7300
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  • 10.08 mi
    First Insurance Solutions
    6161 Savoy Dr Ste 824, Houston, TX 77036
    (281) 822-3000
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  • 10.08 mi
    TWFG Insurance Services - Enric Pasculado
    6161 Savoy Dr Ste 1125, Houston, TX 77036
    (713) 532-8600
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  • 10.08 mi
    Texan Insurance
    6161 Savoy Dr Ste 960, Houston, TX 77036
    (281) 998-2500
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  • 10.08 mi
    Suresh Chainani
    6001 Savoy Dr Ste 507, Houston, TX 77036
    (713) 975-9898
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  • 10.08 mi
    Smith Diversified Services
    6200 Savoy Dr Ste 528, Houston, TX 77036
    (713) 771-3973
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  • 10.08 mi
    Jay Bhavsar
    6200 Savoy Dr Ste 920, Houston, TX 77036
    (713) 782-5147
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  • 10.08 mi
    Ann Bhushan
    7011 Harwin Dr Ste 193, Houston, TX 77036
    (713) 532-8700
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  • 10.08 mi
    Texas Insurance Services
    7011 Harwin Dr Ste 195, Houston, TX 77036
    (713) 777-8392
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  • 10.08 mi
    A+ Affordable Insurance
    7111 Harwin Dr Ste 274, Houston, TX 77036
    (713) 266-1700
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  • 10.08 mi
    EZ Insurance & Tax
    6201 Bonhomme Rd Ste 212n, Houston, TX 77036
    (713) 581-2193
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  • 10.08 mi
    Danish Insurance Services
    7447 Harwin Dr Ste 202, Houston, TX 77036
    (713) 789-9200
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  • 10.08 mi
    Act Insurance Services
    10101 Harwin Dr Ste 191, Houston, TX 77036
    (713) 975-7150
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  • 10.08 mi
    Jeffrey Mouton
    10101 Harwin Dr Ste 215, Houston, TX 77036
    (713) 974-8008
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  • 10.08 mi
    Integra Insurance Services
    10101 Harwin Dr Ste 210, Houston, TX 77036
    (713) 906-6874
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  • 10.08 mi
    Oscar Insurance Agency
    5921 S Gessner Dr, Houston, TX 77036
    (713) 271-8889
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  • 10.08 mi
    Victory Agency
    8000 S Gessner Dr Ste 800, Houston, TX 77036
    (713) 773-0422
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  • 10.08 mi
    TWFG Insurance Services - Yalei Li
    10333 Harwin Dr Ste 460h, Houston, TX 77036
    (832) 677-0699
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  • 10.08 mi
    GlobalGreen Insurance - Annie Gao
    10333 Harwin Dr Ste 235d, Houston, TX 77036
    (832) 436-8858
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  • 10.08 mi
    Jennifer Feng
    10333 Harwin Dr Ste 485, Houston, TX 77036
    (972) 234-9888
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  • 10.08 mi
    TWFG Insurance Services - Todd Lam & Julie Bach
    10333 Harwin Dr Ste 235a, Houston, TX 77036
    (832) 644-6606
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  • 10.08 mi
    Southwest Texas Insurance Services Agency
    10333 Harwin Dr Ste 510, Houston, TX 77036
    (713) 534-1671
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  • 10.08 mi
    G & C Olson Insurance Agency
    8506 De Moss Dr, Houston, TX 77036
    (713) 987-7833
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  • 10.08 mi
    Freeway Insurance
    7710 Bellaire Blvd Ste J, Houston, TX 77036
    (713) 533-8264
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  • 10.08 mi
    J Eric Lu
    5855 Sovereign Dr Ste F, Houston, TX 77036
    (713) 988-0788
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  • 10.08 mi
    AAAA Insurance
    6853 S Gessner Rd Ste A, Houston, TX 77036
    (713) 774-2228
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  • 10.08 mi
    Danny Nguyen
    6100 Corporate Dr Ste 110, Houston, TX 77036
    (281) 564-0631
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  • 10.08 mi
    Darrell Gordon
    6100 Corporate Dr Ste 110, Houston, TX 77036
    (832) 256-0055
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  • 10.08 mi
    Ryan Bourgeois
    6100 Corporate Dr Ste 110, Houston, TX 77036
    (832) 264-5466
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  • 10.08 mi
    Elias Ramirez
    6100 Corporate Dr Ste 110, Houston, TX 77036
    (713) 242-1362
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  • 10.08 mi
    Johnathan Hardcastle
    6100 Corporate Dr Ste 110, Houston, TX 77036
    (832) 437-6410
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  • 10.08 mi
    Joshua Skiffington
    6100 Corporate Dr Ste 130, Houston, TX 77036
    (713) 778-9229
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  • 10.08 mi
    Nick Gillum
    6100 Corporate Dr Ste 110, Houston, TX 77036
    (281) 909-3352
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  • 10.08 mi
    R Landry
    6100 Corporate Dr Ste 110, Houston, TX 77036
    (281) 731-5485
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  • 10.08 mi
    Yuan Insurance & Financial Services
    6100 Corporate Dr Ste 310, Houston, TX 77036
    (713) 609-9840
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  • 10.08 mi
    Amtex Insurance
    8702 Bellaire Blvd Ste 200, Houston, TX 77036
    (713) 777-5300
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  • 10.08 mi
    Qing Shen
    9788 Clarewood Dr Ste 107, Houston, TX 77036
    (281) 888-6618
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  • 10.08 mi
    Hang-Sun Chang
    9600 Bellaire Blvd Ste 205a, Houston, TX 77036
    (713) 974-3888
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  • 10.08 mi
    Sam Shum & Associates Insurance Agency
    9515 Bellaire Blvd, Houston, TX 77036
    (713) 777-9111
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  • 10.08 mi
    Allwin Insurance Agency
    6901 Corporate Dr Ste 128, Houston, TX 77036
    (714) 952-5031
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  • 10.08 mi
    TWFG Insurance Services - Terry Nguyen
    6901 Corporate Dr Ste 103, Houston, TX 77036
    (832) 598-5770
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  • 10.08 mi
    William Xue
    6901 Corporate Dr Ste 122, Houston, TX 77036
    (713) 771-8511
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  • 10.08 mi
    Lee Nguyen
    9968 Bellaire Blvd Ste 230a, Houston, TX 77036
    (713) 776-9676
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  • 10.08 mi
    In-Town Insurance Services
    7001 Corporate Dr Ste 138, Houston, TX 77036
    (713) 773-9588
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  • 10.08 mi
    TWFG Insurance Services - Jane Wang
    7001 Corporate Dr Ste 251, Houston, TX 77036
    (713) 272-9996
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  • 10.08 mi
    Debbie Chang
    7001 Corporate Dr Ste 139, Houston, TX 77036
    (713) 773-9500
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  • 10.08 mi
    Allrisc Insurance Agency
    6918 Corporate Dr Ste B1, Houston, TX 77036
    (713) 771-6000
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  • 10.08 mi
    Thuy Le Bui
    6918 Corporate Dr Ste A15, Houston, TX 77036
    (713) 789-8462
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  • 10.08 mi
    TWFG Insurance Services - Nguyen Tran Agency
    9889 Bellaire Blvd Ste 128, Houston, TX 77036
    (281) 888-3486
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  • 10.08 mi
    Winnie Hui
    9889 Bellaire Blvd Ste 132, Houston, TX 77036
    (713) 729-2323
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  • 10.08 mi
    TWFG Insurance Services - Jenny Xu
    9999 Bellaire Blvd Suite 889, Houston, TX 77036
    (713) 773-0040
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  • 10.08 mi
    Sanchez Insurance Services
    9402 Sharpcrest St, Houston, TX 77036
    (713) 981-9780
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  • 10.08 mi
    HNH Insurance Partners
    9203 Langdon Ln, Houston, TX 77036
    (281) 501-2688
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  • 10.08 mi
    Don Wilde
    9817 Bissonnet St Ste K, Houston, TX 77036
    (713) 270-9500
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  • 10.08 mi
    Goosehead Insurance - Jay Hawley
    10039 Bissonnet St Ste 150, Houston, TX 77036
    (832) 752-2342
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  • 10.08 mi
    Shawn Xuan Nguyen
    10039 Bissonnet St Ste 226, Houston, TX 77036
    (713) 988-0752
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  • 10.08 mi
    Jessie Mae Savage
    9898 Bissonnet St Ste 366, Houston, TX 77036
    (713) 988-0043
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  • 10.08 mi
    Bino Insurance Agency
    9780 Bissonnet St Ste E, Houston, TX 77036
    (713) 779-7192
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  • 10.08 mi
    Gonzalez Insurance Solutions Agency
    9894 Bissonnet St Ste 630, Houston, TX 77036
    (832) 758-7114
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  • 10.08 mi
    Julius Levi & Company Fred Rhodes Company
    9894 Bissonnet St Ste 850, Houston, TX 77036
    (713) 995-0305
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  • 10.08 mi
    William D Florez
    9894 Bissonnet St Ste 394, Houston, TX 77036
    (713) 995-8758
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  • 10.08 mi
    Anasi Insurance & Financial Services
    9894 Bissonnet St, Houston, TX 77036
    (713) 774-5353
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  • 10.08 mi
    Vencedores Insurance Agency
    9894 Bissonnet St Ste 630, Houston, TX 77036
    (713) 995-6170
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  • 10.08 mi
    Goosehead Insurance - Jacob Pearce & Carl Rhemann
    9896 Bissonnet St Ste 350c, Houston, TX 77036
    (713) 980-0105
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  • 10.09 mi
    Affordable Insurance of Texas
    1502 Aldine Mail Rd, Houston, TX 77039
    (281) 227-1666
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  • 10.09 mi
    Amtex Insurance
    12900 Aldine Westfield Rd Ste F, Houston, TX 77039
    (281) 449-4300
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  • 10.09 mi
    Armstrong Insurance
    3501 Aldine Mail Route, Houston, TX 77039
    (281) 449-0111
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  • 10.09 mi
    Quik Insurance Services
    4102 Aldine Mail Route Rd Ste D1, Houston, TX 77039
    (281) 971-7845
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  • 10.09 mi
    Freeway Insurance
    4203 Aldine Mail Rd Ste B, Houston, TX 77039
    (281) 817-8668
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  • 10.09 mi
    Accurate Insurance Services
    13510 Aldine Westfield Rd # E, Houston, TX 77039
    (346) 808-0027
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  • 10.09 mi
    Raquel's Insurance & Tax
    4750g Aldine Mail Rd Ste D, Houston, TX 77039
    (281) 442-9400
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  • 10.09 mi
    A-Max Auto Insurance
    5180 Aldine Mail Route, Houston, TX 77039
    (281) 590-1500
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  • 10.09 mi
    Joanna Montero
    5220 Aldine Mail Rd, Houston, TX 77039
    (281) 442-6555
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  • 10.09 mi
    A G Multiservices
    13930 Aldine Westfield Rd # A, Houston, TX 77039
    (281) 590-6683
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  • 10.6 mi
    Burns & Wilcox
    10205 Westheimer Rd W Tower 8 Ste 550, Houston, TX 77042
    (713) 268-7700
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  • 10.6 mi
    Kim Dao
    9801 Westheimer Rd Ste 200, Houston, TX 77042
    (713) 780-9451
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  • 10.6 mi
    Sean Mertz
    9801 Westheimer Rd Ste 208, Houston, TX 77042
    (713) 784-9383
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  • 10.6 mi
    Manny Molinar
    9801 Westheimer Rd Ste 200, Houston, TX 77042
    (713) 266-4545
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  • 10.6 mi
    Beatriz Gonzalez
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (346) 800-2378
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  • 10.6 mi
    Carol Castillo
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (713) 352-9952
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  • 10.6 mi
    Hiep Truong
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (832) 640-4735
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  • 10.6 mi
    Jason Ramirez
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (281) 772-1754
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  • 10.6 mi
    Jimmy Nowell
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (832) 265-6929
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  • 10.6 mi
    Kimberly Van Pelt
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (832) 791-4222
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  • 10.6 mi
    Mark Calima
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (832) 526-3333
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  • 10.6 mi
    Ryan Brittain
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (713) 829-3591
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  • 10.6 mi
    Sandra Moncada
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (832) 319-8593
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  • 10.6 mi
    Premier America Credit Union
    10001 Westheimer Rd, Houston, TX 77042
    (800) 772-4000
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  • 10.6 mi
    Vanessa Castillo
    2925 Briarpark Dr Ste 500, Houston, TX 77042
    (832) 656-6841
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  • 10.6 mi
    Momentum Insurance & Financial Services
    9700 Richmond Ave Ste 101, Houston, TX 77042
    (832) 724-3397
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  • 10.6 mi
    Daniel Gresham
    9700 Richmond Ave Ste 101, Houston, TX 77042
    (281) 921-1250
    View |
  • 10.6 mi
    Reliance Financial Services
    9700 Richmond Ave, Houston, TX 77042
    (713) 974-0555
    View |
  • 10.6 mi
    Sanchez Insurance Services
    9700 Richmond Ave Ste 151, Houston, TX 77042
    (281) 988-6567
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  • 10.6 mi
    Cadence Insurance
    10260 Westheimer Rd Ste 180, Houston, TX 77042
    (713) 461-8979
    View |
  • 10.6 mi
    Douglas Paschal
    800 Wilcrest Dr Ste 140, Houston, TX 77042
    (713) 977-0703
    View |
  • 10.6 mi
    Clay Paul Group
    2500 Citywest Blvd Ste 300, Houston, TX 77042
    (800) 604-0283
    View |
  • 10.6 mi
    Champions Insurance Group
    10200 Richmond Ave Ste 251, Houston, TX 77042
    (832) 484-8899
    View |
  • 10.6 mi
    Savings Insurance
    10662 Westheimer Rd Ste 101, Houston, TX 77042
    (713) 977-9071
    View |
  • 10.6 mi
    Gigi Shum
    10672 Westheimer Rd, Houston, TX 77042
    (713) 952-6882
    View |
  • 10.6 mi
    Crc Insurance Services
    10375 Richmond Ave Ste 500, Houston, TX 77042
    (713) 532-4111
    View |
  • 10.6 mi
    El Dorado Insurance Agency
    3673 Westcenter Dr, Houston, TX 77042
    (713) 521-9251
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  • 10.6 mi
    TWFG Insurance Services - Nick Locandro
    3707 Westcenter Dr Ste 200, Houston, TX 77042
    (281) 394-3878
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  • 10.6 mi
    Stavinoha Insurance
    3707 Westcenter Dr, Houston, TX 77042
    (713) 208-1231
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  • 10.6 mi
    Sahouri Insurance & Associates
    10777 Westheimer Rd Ste 1100, Houston, TX 77042
    (281) 661-8410
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  • 10.6 mi
    HUB International Insurance
    10777 Westheimer Rd Ste 300, Houston, TX 77042
    (713) 978-6668
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  • 10.6 mi
    Ai United Insurance
    11102 Briar Forest Dr, Houston, TX 77042
    (832) 251-7777
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  • 10.6 mi
    James McCubbin Jr.
    10550 Richmond Ave Ste 190, Houston, TX 77042
    (713) 388-6543
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  • 10.6 mi
    MetLife Auto & Home - Texas Gulf Coast
    3700 W Sam Houston Pkwy S, Houston, TX 77042
    (832) 251-5401
    View |
  • 10.6 mi
    Rock Insurance Agency
    10700 Richmond Ave Ste 103, Houston, TX 77042
    (713) 974-4472
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  • 10.6 mi
    TWFG Insurance Services - Quynh Lam
    10700 Richmond Ave Ste 218, Houston, TX 77042
    (713) 781-8388
    View |
  • 10.6 mi
    HNR Insurance Agency
    10700 Richmond Ave Ste 217, Houston, TX 77042
    (713) 914-9556
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  • 10.6 mi
    Jeff Shi
    10700 Richmond Ave Ste 243, Houston, TX 77042
    (281) 936-1355
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  • 10.6 mi
    Fred Dehkordi
    2825 Wilcrest Dr Ste 461, Houston, TX 77042
    (713) 781-4200
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  • 10.6 mi
    Scott Bigott
    2825 Wilcrest Dr Ste 267, Houston, TX 77042
    (713) 339-4161
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  • 10.6 mi
    Tommy Portley
    2825 Wilcrest Dr Ste 150, Houston, TX 77042
    (713) 784-6464
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  • 10.6 mi
    Michael Poehl
    2825 Wilcrest Dr Ste 661, Houston, TX 77042
    (713) 952-7287
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  • 10.6 mi
    IMS London American
    10850 Richmond Ave Ste 310, Houston, TX 77042
    (713) 243-4377
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  • 10.6 mi
    Mark Hastings
    2901 Wilcrest Dr Ste 150, Houston, TX 77042
    (832) 252-7750
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  • 10.6 mi
    Cedric Young
    11200 Westheimer Rd Ste 805, Houston, TX 77042
    (713) 784-3100
    View |
  • 10.6 mi
    Kingspoint Insurance Agency
    11200 Westheimer Rd Ste 850, Houston, TX 77042
    (713) 850-1660
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  • 10.6 mi
    D.A. Insurance
    2900 Wilcrest Dr Ste 167, Houston, TX 77042
    (713) 772-9006
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  • 10.6 mi
    Warriner & Associates Insurance
    11111 Wilcrest Green Dr Ste 101, Houston, TX 77042
    (713) 785-5252
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  • 10.6 mi
    WM Jones & Company
    11111 Wilcrest Green Dr Ste 420, Houston, TX 77042
    (713) 465-0766
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  • 10.6 mi
    Jamaal Moore
    800 W Belt Pkwy S Ste 212, Houston, TX 77042
    (832) 651-4886
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  • 10.6 mi
    Joseph Sirju
    800 W Belt Pkwy S Ste 212, Houston, TX 77042
    (281) 207-2636
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  • 10.87 mi
    Garza Insurance Agency & Multiservices
    725 W Mount Houston Rd, Houston, TX 77038
    (281) 260-9091
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  • 10.87 mi
    Elizabeth Vences-Diaz
    802 West Rd Ste B, Houston, TX 77038
    (281) 442-7995
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  • 10.87 mi
    A-Z Insurance Agency
    1210 West Rd, Houston, TX 77038
    (281) 661-7888
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  • 10.87 mi
    Best Option Insurance & Tax
    10176 Veterans Memorial Dr Ste G, Houston, TX 77038
    (281) 447-1400
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  • 10.87 mi
    Brown & Brown Lone Star Insurance Services
    1717 N Sam Houston Pkwy W Ste 115, Houston, TX 77038
    (281) 260-2000
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  • 10.87 mi
    Tax-Insurance & More
    10755 Veterans Memorial Dr Ste B, Houston, TX 77038
    (346) 888-5857
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  • 10.87 mi
    United Insurance & Financial Services
    2770 N Sam Houston Pkwy W, Houston, TX 77038
    (713) 635-6134
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  • 11.08 mi
    Juanita Ceaser-Worrell
    14455 Cullen Blvd Ste A100, Houston, TX 77047
    (281) 992-4829
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  • 11.08 mi
    Stanley Sanders
    630 S Sam Houston Pkwy W Ste F, Houston, TX 77047
    (281) 303-5199
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  • 11.08 mi
    James Acosta
    2850 S Sam Houston Pkwy E, Houston, TX 77047
    (713) 984-4611
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  • 11.18 mi
    TWFG Insurance Services - Jerry Offner
    13201 Northwest Fwy Ste 800, Houston, TX 77040
    (281) 940-1550
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  • 11.18 mi
    Kevin Lewis
    13201 Northwest Fwy Ste 800 Ste 33, Houston, TX 77040
    (832) 935-3793
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  • 11.18 mi
    The Hansen Agency
    13201 Northwest Fwy Ste 700, Houston, TX 77040
    (713) 463-9500
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  • 11.18 mi
    Goosehead Insurance - Jacob Metcalf
    13430 Northwest Fwy Ste 400, Houston, TX 77040
    (214) 240-8838
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  • 11.18 mi
    Hotchkiss Insurance Agency
    13430 Northwest Fwy Ste 600, Houston, TX 77040
    (713) 956-9800
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  • 11.18 mi
    Amtex Insurance
    13517 Northwest Fwy, Houston, TX 77040
    (713) 939-1123
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  • 11.18 mi
    A-Z Insurance Agency
    13482 Northwest Hwy, Houston, TX 77040
    (832) 558-1700
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  • 11.18 mi
    Pierre Vega
    13831 Northwest Fwy Ste 420, Houston, TX 77040
    (713) 640-5594
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  • 11.18 mi
    Ruth Williams
    13831 NW Fwy # 120b, Houston, TX 77040
    (713) 460-2886
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  • 11.18 mi
    TWFG Insurance Services - Cruz Hernandez
    13831 Northwest Fwy Ste 241, Houston, TX 77040
    (281) 493-9376
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  • 11.18 mi
    Alan Brevard
    13831 Northwest Fwy Ste 365, Houston, TX 77040
    (713) 462-6654
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  • 11.18 mi
    Glenn Schwenke
    13831 Northwest Fwy Ste 365, Houston, TX 77040
    (832) 326-5326
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  • 11.18 mi
    Texas Insurance Express
    7326 Senate Ave, Houston, TX 77040
    (713) 983-0222
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  • 11.18 mi
    Douglas Sharp
    17398 Northwest Fwy, Houston, TX 77040
    (281) 705-3684
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  • 11.18 mi
    Brady Chapman Holland & Associates
    10055 W Gulf Bank Rd, Houston, TX 77040
    (713) 688-1500
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  • 11.18 mi
    Khanh Nguyen
    17378 Northwest Fwy, Houston, TX 77040
    (713) 983-7800
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  • 11.18 mi
    Cravens Warren Insurance Agency
    10011 W Gulf Bank Rd, Houston, TX 77040
    (888) 296-1380
    View |
  • 11.18 mi
    John M Myers
    17483 Village Green Dr, Houston, TX 77040
    (713) 466-0040
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  • 11.18 mi
    Goosehead Insurance - Houston Office
    Granite Tower At 290 13430 Northwest Freeway Suite 400, Houston, TX 77040
    (713) 966-6600
    View |
  • 11.32 mi
    Kelley Lyons Insurance Group
    8538 W Bellfort St, Houston, TX 77071
    (888) 520-1175
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  • 11.32 mi
    Yaneth Garcia
    8200 W Bellfort St # 8210, Houston, TX 77071
    (713) 714-5044
    View |
  • 11.32 mi
    Bich Nga Dinh Nguyen
    8406 Braesdale Ln, Houston, TX 77071
    (713) 647-6633
    View |
  • 11.32 mi
    Nicholas Obih
    9920 S Gessner Rd, Houston, TX 77071
    (713) 270-7400
    View |
  • 11.32 mi
    Santos Portillo
    8520 S Braeswood Blvd, Houston, TX 77071
    (713) 995-9422
    View |
  • 11.51 mi
    Alpha Omega Insurance & Multiservices
    116 Hardwicke Rd, Houston, TX 77060
    (281) 741-0097
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  • 11.51 mi
    H & L Insurance Agency
    202 Aldine Bender Rd, Houston, TX 77060
    (281) 931-9411
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  • 11.51 mi
    Frontera Multiservices
    189 Aldine Bender Rd, Houston, TX 77060
    (281) 709-2900
    View |
  • 11.51 mi
    Payless Insurance Agency
    50 Aldine Bender Rd Ste 140, Houston, TX 77060
    (281) 448-3330
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  • 11.51 mi
    TIA - Texas Insurance Agency
    50 Aldine Bender Rd Ste 120, Houston, TX 77060
    (713) 921-8000
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  • 11.51 mi
    Damar Multiservices
    167 Aldine Bender, Houston, TX 77060
    (281) 591-1417
    View |
  • 11.51 mi
    Leneal Wilridge
    480 N Sam Houston Pkwy E Ste 211, Houston, TX 77060
    (281) 447-4788
    View |
  • 11.51 mi
    EFG Insurance Agency
    450 N Sam Houston Pkwy E Ste 181, Houston, TX 77060
    (281) 405-8866
    View |
  • 11.51 mi
    Baxter Insurance Agency
    450 N Sam Houston Pkwy E Ste 103, Houston, TX 77060
    (281) 445-1381
    View |
  • 11.51 mi
    ASAP Insurance Agency
    11811 North Fwy Ste 416, Houston, TX 77060
    (281) 847-3595
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  • 11.51 mi
    Atrich LLC
    350 N Sam Houston Pkwy E Ste 101, Houston, TX 77060
    (832) 243-1269
    View |
  • 11.51 mi
    Proctor Insurance Group
    256 N Sam Houston Pkwy E Ste 251, Houston, TX 77060
    (281) 448-7750
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  • 11.51 mi
    Violet Carpio
    507 N Sam Houston Pkwy E Ste 570, Houston, TX 77060
    (281) 405-0350
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  • 11.51 mi
    ABM Insurance and Benefit Services
    333 N Sam Houston Pkwy E Ste 750, Houston, TX 77060
    (281) 448-3040
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  • 11.51 mi
    Insurance Corner
    16630 Imperial Valley Dr, Houston, TX 77060
    (281) 448-6677
    View |
  • 11.51 mi
    Randy Hogan Insurance Agency
    515 N Sam Houston Pkwy E Ste 605, Houston, TX 77060
    (281) 999-4100
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  • 11.51 mi
    Kevin Williams
    16770 Imperial Valley Dr Ste 125e, Houston, TX 77060
    (281) 687-0868
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  • 11.51 mi
    Keystone Insurance
    16770 Imperial Valley Dr Ste 212, Houston, TX 77060
    (713) 955-2299
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  • 11.51 mi
    Amalia Martinez Aguirre
    12110 Greenspoint Dr, Houston, TX 77060
    (281) 872-6300
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  • 11.51 mi
    A-Z Insurance Agency
    726 Greens Rd, Houston, TX 77060
    (281) 854-4350
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  • 11.51 mi
    David's Insurance
    387 Greens Rd, Houston, TX 77060
    (281) 448-7915
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  • 11.51 mi
    Armando Valdez
    12941 North Fwy Ste 608, Houston, TX 77060
    (281) 537-7890
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  • 11.51 mi
    Humberto Garcia
    12941 North Fwy Ste 116, Houston, TX 77060
    (281) 931-4800
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  • 11.51 mi
    James F. Leiber
    12941 North Fwy Ste 503, Houston, TX 77060
    (281) 875-5534
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  • 11.62 mi
    Pay Low Insurance Services
    6550 Mount Houston Rd, Houston, TX 77050
    (281) 865-2697
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  • 12.05 mi
    Aju Insurance Agency
    10122 Long Point Rd Ste 100, Houston, TX 77043
    (713) 932-9600
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  • 12.05 mi
    Speck Insurance & Financial Services
    10190 Katy Fwy, Houston, TX 77043
    (713) 467-1100
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  • 12.05 mi
    All Insured Group
    10190 Katy Fwy Ste 503, Houston, TX 77043
    (713) 636-2253
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  • 12.05 mi
    Enrique Reyes
    2278 Triway Ln, Houston, TX 77043
    (956) 345-1163
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  • 12.05 mi
    Leslie Bourgeois
    1080 W Sam Houston Pkwy N Ste 145, Houston, TX 77043
    (713) 468-8344
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  • 12.05 mi
    Claudia Garza
    10810 Katy Fwy Ste 200, Houston, TX 77043
    (713) 780-4841
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  • 12.05 mi
    Lorenzo Castro
    10810 Katy Fwy Ste 202, Houston, TX 77043
    (832) 251-0504
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  • 12.05 mi
    ATAB Insurance Services
    10894 Shadow Wood Dr, Houston, TX 77043
    (713) 906-1961
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  • 12.05 mi
    Don Wright
    1500 Brittmoore Rd Ste 301, Houston, TX 77043
    (713) 465-3200
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  • 12.05 mi
    Emil Joe Dusek
    10801 Hammerly Blvd Ste 102, Houston, TX 77043
    (713) 973-6600
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  • 12.05 mi
    Warren Sloan
    1400 W Sam Houston Pkwy N Ste 130, Houston, TX 77043
    (713) 464-4442
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  • 12.08 mi
    Felicia Boudreaux
    14901 Sh 249 Suite 105, Houston, TX 77086
    (713) 464-2077
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  • 12.08 mi
    Mien Tran
    13411 State Highway 249 Ste 1, Houston, TX 77086
    (281) 591-0127
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  • 12.08 mi
    Insurance Marketing Group
    13500 Tomball Pkwy Ste D, Houston, TX 77086
    (281) 999-9930
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  • 12.08 mi
    Ai United Insurance
    13767 Tomball Pkwy, Houston, TX 77086
    (281) 661-8501
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  • 12.08 mi
    Edwards Total Financial Group
    11003 Antoine Dr, Houston, TX 77086
    (281) 858-6000
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  • 12.08 mi
    AMAC Insurance Center
    10911 Bammel North Houston Rd Ste J, Houston, TX 77086
    (281) 444-7429
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  • 12.41 mi
    Allcommunity Insurance Group
    11806 Wilcrest Dr Ste 230, Houston, TX 77031
    (281) 741-8760
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  • 12.41 mi
    Peter Mugo
    11807-a Wilcrest Dr, Houston, TX 77031
    (281) 498-2553
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  • 12.41 mi
    Julius Porter
    11628 Southwest Fwy, Houston, TX 77031
    (281) 495-0404
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  • 12.41 mi
    Ai United Insurance
    11503 Southwest Fwy, Houston, TX 77031
    (281) 933-6333
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  • 12.41 mi
    Michael Khansari
    10550 W Bellfort St Ste 120, Houston, TX 77031
    (281) 530-9730
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  • 12.41 mi
    AAAA Insurance
    8640 S Braeswood Blvd, Houston, TX 77031
    (713) 773-2222
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  • 12.48 mi
    Aaron German
    8498 S Sam Houston Pkwy E Ste 600, Houston, TX 77075
    (713) 231-5600
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  • 12.48 mi
    Seba Auto Insurance Agency
    10855 Telephone Rd, Houston, TX 77075
    (713) 987-1090
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  • 12.48 mi
    Dawood S. Raza
    9350 Fuqua St, Houston, TX 77075
    (713) 910-3331
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  • 12.48 mi
    Juan Gonzalez
    9963 Fuqua St, Houston, TX 77075
    (832) 571-2260
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  • 12.48 mi
    Dash Insurance Agency
    8405 Almeda Genoa Rd, Houston, TX 77075
    (832) 832-5497
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  • 12.48 mi
    Daniela Soto
    9410-a Almeda Genoa Rd, Houston, TX 77075
    (713) 910-5800
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  • 12.48 mi
    Jeffrey Gibson
    9700 Almeda Genoa Rd Ste 101, Houston, TX 77075
    (713) 941-3221
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  • 12.48 mi
    Texan Auto Insurance
    Across, Houston, TX 77075
    713-991-2822
    <p>Texan Auto Insurance is doing business in the auto insurance industry since 1997, for more than 20 years of experience, our customers are at first priority. Giving back and making our communities stronger. It may not sound like the work of a large insurance company. It may even sound too serious for the folks who bring you the quirky commercials and adorable Gecko!.</p>
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  • 12.8 mi
    David Melvin
    12646 Coulson St, Houston, TX 77015
    (832) 816-8810
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  • 12.8 mi
    AAAA Insurance
    12450 East Fwy Ste 130, Houston, TX 77015
    (713) 330-3222
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  • 12.8 mi
    Right Choice Tax & Insurance Services
    12450 East Fwy Ste 130, Houston, TX 77015
    (832) 962-7259
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  • 12.8 mi
    Lone Star Insurance Agency
    883 Federal Rd Ste F, Houston, TX 77015
    (713) 451-4000
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  • 12.8 mi
    Bob Morisak
    12605 East Fwy Ste 110, Houston, TX 77015
    (713) 455-4442
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  • 12.8 mi
    Freeway Insurance
    12804 East Fwy Ste 100, Houston, TX 77015
    (713) 364-0834
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  • 12.8 mi
    ARZ, Inc
    13020 Market Street Rd, Houston, TX 77015
    (713) 455-3361
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  • 12.8 mi
    Joseph Stephens
    500 Normandy St, Houston, TX 77015
    (713) 590-9011
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  • 12.8 mi
    Maria Martinez
    13221 Rockglen St, Houston, TX 77015
    (713) 714-8056
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  • 12.8 mi
    Barry Hoskins
    13301 East Fwy Ste 110, Houston, TX 77015
    (713) 453-7193
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  • 12.8 mi
    Slocomb Insurance Agency
    13301 East Fwy Ste 308, Houston, TX 77015
    (713) 451-8818
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  • 12.8 mi
    Velez Insurance Agency&Financial Services
    855 Uvalde Rd Ste K, Houston, TX 77015
    (713) 450-9560
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  • 12.8 mi
    Chandler Westmoreland
    13018 Woodforest Blvd Ste P, Houston, TX 77015
    (713) 330-3900
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  • 12.8 mi
    Harris County Insurance
    13030 Woodforest Blvd Ste C, Houston, TX 77015
    (832) 582-8500
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  • 12.8 mi
    L.A. Insurance Agency TX25
    13383 Louisville St, Houston, TX 77015
    (281) 724-8200
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  • 12.8 mi
    Rick Blount
    13420 Hollypark Dr, Houston, TX 77015
    (713) 451-9731
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  • 12.8 mi
    A-Max Auto Insurance
    13415 Woodforest Blvd Ste G, Houston, TX 77015
    (713) 330-7000
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  • 12.8 mi
    RAR Insurance Agency
    12603 Market St, Houston, TX 77015
    (713) 450-4949
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  • 12.8 mi
    Vela Auto Insurance
    727 Freeport St Ste 7, Houston, TX 77015
    (832) 649-8042
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  • 12.8 mi
    Michael Stockwell
    227 Uvalde Rd, Houston, TX 77015
    (713) 453-5102
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  • 12.8 mi
    Uvalde Insurance Agency
    186 Uvalde Rd, Houston, TX 77015
    (713) 453-5158
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  • 12.8 mi
    C D Williams Jr
    75 Uvalde Rd Ste A, Houston, TX 77015
    (713) 453-8266
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  • 12.8 mi
    Penny Insurance
    9 Uvalde Rd Ste 8, Houston, TX 77015
    (281) 823-9999
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  • 12.8 mi
    Ruby's Insurance
    837 Manor St, Houston, TX 77015
    (832) 235-4492
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  • 12.8 mi
    Tom Joacim
    14606 Woodforest Blvd, Houston, TX 77015
    (713) 453-4373
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  • 12.8 mi
    Joe Simien
    14618 Woodforest Blvd, Houston, TX 77015
    (713) 453-8424
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  • 12.8 mi
    Allied Insurance Professionals
    4331 E Sam Houston Pkwy N, Houston, TX 77015
    (713) 451-2277
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  • 12.8 mi
    Canyon Insurance Group
    5144 E Sam Houston Pkwy N # 212, Houston, TX 77015
    (832) 717-1511
    View |
View all agents ↓

Learn More About Car Insurance in Houston, TX

Vehicles

1.3 Million

Total Crashes

64,126

Persons Injured

47,707

According to the Houston Chronicle, Houston is the most deadly with the most number of roadway fatalities. The risk of a car accident being high in Houston city, which means you will have to pay a higher car insurance premium compared to other cities. The car theft in Houston is at a rate of 20 to 30 cars per day. This is why it is important to have the right amount of coverage for car insurance than having just minimum liability coverage.

Check this article to know what all types of coverages you need for car insurance.

Speaking of neighborhoods in Houston, some have an average that is substantially higher than the city average. Average car insurance in some of the neighborhoods is Montrose ($626/year), Houston Heights ($614/year), Downtown Houston ($650/year), River Oaks ($625/year), Midtown ($626/year), Memorial ($629/year).

Car insurance vary by age group

The age group you are in can influence the car insurance premium. You can see how much car insurance costs for different age groups in Houston city.

Car insurance cost by age group

Age group Avg. Premium (50/100/50)
20's $1455
30's $670
40's $615
50's $590
60's $570
70's $720

From the graph above, we can see that the insurance premium cost is very high for those in their 20's as the risk of accidents is higher in that age group. Similarly for those who passed their 70's also tend to be at higher risk of collision and hence a higher premium amount.

Also, you can see a slight difference in car insurance premium cost with respect to your gender as female drivers tend to pay less for their car insurance. This variation is seen more in the 20's age group.

Age is just one of the factors that affect your car insurance price. Check the article below to know what other factors are there.

The choice of the insurer will also have a substantial influence on the cost. It is needless to mention that the cheapest quote is not always the best and the most expensive policy is not always the ideal option. There are some insurers that are more convenient to deal with and some are more affordable, some are lenient and easy with claims while some are more suited for families of deployed military personnel. You should have a diligent approach while choosing car insurance in Houston. Figure out how much coverage you would need based on the value of your car, driving skills, frequency of usage including the mileage and routes, your history of accidents, and the extent of financial protection you want.

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.