Houston, Texas Auto Insurance

Get Car Insurance in Houston, TX 

A sprawling metropolitan city best known for space exploration and a mouth-watering food scene; Houston is also home to loads of traffic. In a study conducted by Forbes Advisor, Houston was ranked as the 4th worst city to drive in the United States. Furthermore, the Houston was ranked 12th worst for overall driving experience. To combat such a chaotic and unpleasant driving atmosphere, Houston drivers must select the right auto insurance for their unique needs. No matter where you live in the Lonestar State, you should obtain coverage to drive legally. Agencia de Seguros de Accesso, LLC (A Abana Insurance) believes getting car insurance in Houston, TX doesn’t need to be complicated. As Texas locals, we understand the importance of affordable and quality auto insurance in Houston.  

Why choose A Abana Insurance in Houston? 

A Abana has been in business for over 40 years and strives to deliver quality coverage solutions to the Texas community. We are proud to offer competitive options that don’t skimp on coverage. Our team of Spanish bilingual agents are familiar with Texas car insurance laws and requirements and can aid you on your journey to selecting the right coverage. We have nine locations throughout the Houston area, all of which accept cash and card payments. In addition, A Abana works with insurers that will honor multiple types of licenses including matricula, temporary licenses, and suspended licenses.  

No matter if you require an SR-22 certificate, or have a less-than-perfect driving history, we can work with you to create a custom insurance plan. From minimum liability coverage to add-ons such as roadside assistance and rental reimbursement, A Abana offers a diverse array of auto insurance options. We can even provide commercial insurance options if you plan to utilize your vehicle for work purposes.  

Car insurance requirements in Houston 

According to the Texas Department of Insurance, Texas law requires all drivers to show proof that they can financially cover any accidents they cause. This ‘proof’ of responsibility can be shown through the purchase of liability insurance. In Texas the state minimum liability coverage is as follows: 

• $30,000 in bodily injury coverage per person 
• $60,000 in bodily injury coverage total per accident 
• $25,000 in coverage for property damage 

Insurance companies commonly represent this coverage in a split limit written as 30/60/25. Liability coverage only applies to the 3rd party and will not cover any personal injuries or damage to your belongings. Please note that the minimum liability coverage is the lowest amount of insurance required legally and may not offer sufficient coverage if you are involved in a serious accident or cause extensive property damage.  

Depending on your driving needs and history you may opt for additional coverages such as: 

• Collision/Comprehensive - The addition of these types of coverage can be referred to as ‘full coverage’ and can potentially cover expenses incurred to your vehicle from hitting an object, animal, or theft.  
• Medical Payments - This type of coverage can potentially cover expenses up to your policy limit, for injuries to the driver of your car and/or passengers. 
• Uninsured/underinsured Motorist - This type of coverage can potentially cover expenses up to your policy limit, for your injuries or damaged property if a responsible party person without adequate insurance coverage hits you.  
• Roadside Assistance (towing) - This type of coverage can be extremely useful if your car breaks down, runs out of gas or the battery dies. 
• Rental reimbursement - This type of coverage can help pay or reimburse you for a rental vehicle if yours is in the shop because of a collision that was covered by your auto insurance policy.  

Speak to a licensed A Abana agent to discover which additional coverage may be right for you. 

Cost of car insurance in Houston 

Curious about the cost of coverage in Houston? According to an article published by Bankrate in October 2024, the average cost of a full coverage policy in Texas was $2,458 annually, only slightly higher than the national average of $2,388. The average cost of minimum coverage in Texas was $713 annually, compared to the national average of $664. Residents of Houston were met with slightly higher rates of $2,804 for the average annual cost of a full coverage policy. However, it is important to remember that coverage rates are highly personalized, and insurance providers will weigh various factors such as driver’s age, vehicle type, zip code, driving record, and credit history to determine your exact rate. Remember you can always get a free car insurance quote in Houston online with A Abana.  

Save on Houston auto insurance by working with A Abana’s insurers

Thankfully there are multiple ways to potentially score discounts when you work with Abana’s list of insurers. 

Explore your savings through potential discounts offered through insurers such as: 

• Paying your policy in full - If you pay for your policy in full, you could be eligible for a discount. 
• Multi-vehicle - By insuring more than one vehicle, you could score savings. 
• Good student - By achieving good grades, you may be eligible for discounts. 
• Proof of prior coverage - If you can establish proof of prior insurance, you may qualify for a discount.  

Ready to explore quality coverage options with A Abana Insurance? Call 214-764-8868 to speak to a qualified agent, get a quote online or visit one of our nine Houston stores for a free quote today!