Houston, TX Car Insurance Quotes

Car Insurance in Houston, TX—Auto Insurance Quotes

Houston is the fourth most populous city in the United States and the largest city in Texas. With more than 2 million people in the city, Houston also has some of the heaviest traffic congestion in the country.  Nearly 75% of Houston area residents drive alone to work. With so many vehicles on the road, it's important to have the right auto insurance in Houston. This will protect you and your vehicle. Fortunately, getting a Houston car insurance quote with GEICO is easy.

Texas Car Insurance Coverage Requirements

Drivers in Houston need to make sure they have a car insurance policy that meets the minimum coverage requirements for the state of Texas. The minimum auto insurance coverages in Texas include:

  • Bodily Injury Liability: $30,000 per person and $60,000 per accident
  • Property Damage Liability: $25,000
  • Personal Injury Protection (PIP): $2,500 unless you reject this coverage
  • Uninsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident unless you reject this coverage
  • Uninsured Motorist Property Damage: $25,000 with a $250 deductible unless you reject this coverage

Driving In and Around Houston

Navigating Houston's expansive freeway system can be confusing to any experienced driver, but here are a few tips for getting around town.

There are two main "loops" that serve as the hub of the Houston freeway system. The innermost loop is the 610, which forms a large square around downtown Houston. When business and restaurants in Houston say they're located "inside the loop," they're referring to the inside part of the 610. Three main interstates run through the 610 Loop: 10, 59 and 45, which all lead drivers downtown. Interstate 10 runs east to west through the northern portion of the 610 and leads to the University of Houston downtown campus and the theater district off Main Street.

Interstate 45 also leads towards downtown; the northern part of the highway takes drivers to local attractions like Greenspoint Mall and Lake Conroe. I-45 South leads to the Johnson Space Center, Hobby Airport, the University of Houston and Clear Lake. I-59 takes drivers from the western part of the 610 loop through the downtown area. From I-59, you'll find the Toyota Center and the George R. Brown Convention Center.

Beltway 8, officially known as Sam Houston Parkway, is Houston's outer loop. It's free to ride on the part of the highway that extends from I-10 East to I-45 North, but you'll have to pay a toll to travel the rest of it. The Outer Loop is a great way to get to the George Bush Intercontinental Airport/Houston.

When you're driving around downtown Houston, be on the lookout for one-way streets. Also, there are instances when street names can change unexpectedly, so consider checking out a map prior to driving through downtown Houston.

Houston Insurance Agents

For Houston drivers, getting a car insurance policy with GEICO means you have access to experienced local insurance agents who are standing by to answer questions about your policy. We have insurance agents across the city who know their local communities and are eager to help. Learn more about our Houston insurance agents.

Read More About Texas Car Insurance

Whether you need to know the state required coverage levels or the teen driving laws in Texas, our Texas car insurance page will help you make the right decision about your insurance.