Cheapest Auto Insurance | Houston, Texas
What Separates Cheapest Auto Insurance from the rest of the auto insurance companies?
We have made auto insurance easy and hassle free. With our Anonymous Quoting System that is the fastest online auto insurance quoting process in the industry, a customer can receive a quote in 1 minute and complete the entire policy online in 5 minutes. There is truly nothing like it in the auto insurance industry. Here are few other reasons why Cheapest Auto Insurance is the place to find hassle free affordable auto insurance.
No Credit Checks
No Middleman Fees
State of the art APP
Low First Month Payment
Anonymous Quoting System
We don’t sell your info to any vendors like many online sites do.
How to find the Cheapest Car Insurance in Houston, Texas
Car insurance rates in Houston are among the highest priced in all of Texas. Houston is 4th the largest city in America and seems to be growing at a fast pace along with the state of Texas as a whole. Houston has a population of 2,359,480. Houston car insurance prices have been consistently rising year after year. Many insurance companies do not price their rates very well in Texas and some don’t even write business there. Houston has notoriously produced high loss ratios for insurance companies compared to other parts of the state. Heavy Traffic, Insurance Fraud, uninsured motorist claims are three of the main reasons why auto insurance rates are so high. But thankfully here at Cheapest Auto Insurance we have finally made Houston auto Insurance affordable for all drivers. With Houston being right in the middle of Texas, hail storms and tornados can cause auto insurance companies to be at great risk of paying out large amounts of money on claims due to these natural disasters, especially for auto insurance companies who have a large book of full coverage insurance on their books of. A good way to find affordable car insurance in Houston is to have a safe driving record for three years and a good insurance history. We have found these are two key factors that automobile insurance companies look at when setting their monthly rates. Many things are out of the customer’s hands when it comes to car insurance rates but these are two things as a customer that you can control.
Why You Need Auto Insurance
There are more than 3.2 million vehicle registrations in Harris County, and in 2018, the county recorded more than 107,000 crashes. However, an estimated 15% of cars do not have insurance. You can’t fix mistakes made by other drivers, but you can look out for yourself. It’s easy to see how much of a favor you will do for yourself by having an auto insurance policy in place. If your vehicle experiences damage of any kind, car insurance is supposed to help you pay for the costs of your recovery. All accidents cost money, and the right policy can help you lessen the financial ramifications.
Understanding your auto insurance coverage
Auto insurance policies are not the easiest to understand and many times coverages can be misunderstood. It is important to contact your auto insurance agent or company to go over your policy to make sure you are covered correctly and not over paying for coverages you do not need. Be sure to look over your policy every renewal to make sure the proper coverages are still there. And if your situation in life has changed and you need more coverage be sure to let your insurance agent know. Here is a list of coverages on your auto insurance policy you can choose from:
- Bodily Injury Liability and Property Damage
- Medical Payments
- Uninsured Motorist Coverage
- Personal Injury Protection
- Rental Car Reimbursement Coverage
- Roadside Assistant/Towing
- Comprehensive Coverage
- Collision Coverage
Click here to learn more about what your auto insurance covers.
It is important to remember that business use is usually not covered under your personal auto policy. There are less exclusions on the personal auto policy but still some things to be aware of to disclose to your agent when getting quotes. Here are a few things to disclose to your auto insurance company to make sure you are covered correctly:
- If you deliver goods or transport people to different places
- If you working in ride sharing industry
- If you have employees who drive your vehicles
- If you drive out of state for work on frequent basis
- If you add on custom equipment to your vehicle
Click here to learn more about auto insurance coverage
Low Income Car Insurance
Low income car insurance is not an actual policy that can be purchased. There are a few states that offer assistance for car insurance for households that qualify. There are ways for households with low income to find affordable car insurance. The two keys for anyone to get cheap insurance is to keep a good driving record for three years and keep continuous auto insurance for at least 6 months. In addition to these two key factors be sure and shop around and get as many quotes as possible, this will increase your chances. You can also consider just purchasing auto insurance with the bare minimum coverage and when you get back on your feet financially you can add on all the coverages you need.
To learn more about low income car insurance click here
Cheap automobile insurance for good drivers in Houston
If you are a safe driver looking for cheap car insurance in Houston here are a few insurance companies that can help you:
Save Money Car Insurance
One tip to finding cheap car insurance quotes is requesting all the discounts you qualify for. Not all car insurance companies offer the discounts at the beginning of the quote so here are a few discounts to ask for:
Finding affordable car insurance in Houston is important but just as important is finding an insurance company that has good customer service and a great claims department. Customers who have no tickets or claims in the last three years are among the most rewarded with discounts when it comes to getting cheap insurance.
To receive cheap car insurance quotes in Houston click this link and save big money today!
How much does auto insurance cost in Houston?
Car insurance rates in Houston vary based on a few factors and is contingent up on the coverages that you ask for. The average liability car insurance rate for an adult in Houston with no previous insurance history is about $86 monthly. This is the highest average in the state of Texas. Here are a few key factors auto insurance companies look at when setting rates:
Not all auto insurance companies use credit as a primary rating factor. Most nonstandard auto insurance companies do not use credit as a rating factor. A nonstandard insurance company specializes in providing automobile insurance for customers with a bad driving record and no previous insurance. Here are a few nonstandard auto insurance companies in Houston:
Save Money Car Insurance
Most of these nonstandard auto insurance companies offer state minimum limits of liability which is 30/60/25. If you are needing higher limits of liability for instance 50/100/50 it may be in your best interest to request a quote from a Preferred Insurance broker. Here are examples of a few Preferred Insurance companies for you in Houston:
How to find cheap auto insurance with bad credit
Car insurance quotes in can be closely related to your credit score. Studies have shown that drivers who have better credit scores have a lower likelihood of having claims. That is one of the benefits of getting a quote from Cheapest Auto Insurance. We do not penalize customers for their credit level. We also do not use that as one of our rating factors. When you call us for an auto insurance quote, we will never ask you for your social security number — like many insurance companies will. If your credit score is good, we do have a few great auto insurance companies we partner with that offers big discounts for customers with good credit. Get a quick anonymous quote. The process takes less than 45 seconds. This is truly the world's fastest anonymous quoting system. We can help get you on your way to cheap auto insurance despite bad credit today! Please see below link to read more about how bad credit effects your auto insurance.
Learn more about finding cheap auto insurance rates if you have bad credit.
Nonstandard Auto Insurance Companies
Nonstandard auto insurance companies are becoming more and more common especially with some of the big players really starting to enter this market. It is the fastest growing insurance sector currently and we see it continuing to grow. Nonstandard auto insurance companies specialize in providing high risk drivers with affordable basic auto insurance coverage. Many of these carriers will only offer state minimum liability limits due to the risk that bad drivers can bring. But just because you are a high risk driver does not mean that you can find affordable car insurance.
Click here to learn more about nonstandard auto insurance companies
SUVs are becoming one of the most popular vehicles on the road and who you choose to insure your SUV is very important. With auto insurance rates starting to trend up again it is important to call your insurance company before purchasing a new SUV so you can see how much you will be paying. There are several auto insurance carriers that provide affordable insurance prices for SUVs. We have researched all about SUV insurance and want to provide you with as much information about it as possible. Please see the article below to find out more about SUV insurance.
Click here to read more about SUV insurance
New Driver Insurance
Auto insurance for new drivers can be very expensive. But many auto insurance carriers take into consideration the reason why you are a new driver. Insurance companies charge more on monthly premiums for new drivers because of the lack of experience on the road. They feel this lack of experience can make it more likely for a new driver to have a claim compared to a more experienced driver. We have found ways for new drivers to still find quality affordable insurance. Please read our article below to find out how to find cheap auto insurance for new drivers.
Click here to read more about new driver insurance
Independent Insurance Agents
There are an estimated 36,500 independent insurance agencies. This segment of insurance agents takes up a large amount of the insurance sector. These agents work with numerous independent insurance companies and sell their product as a “middleman” and are paid on a commission basis from the carrier partners. Many people like working with independent insurance agencies because of the numerous price and coverage options they can obtain with one phone call. We have provided more in depth information regarding independent insurance agencies in the below article.
Click here to read more about independent insurance agents
Foreign License Auto Insurance
Finding cheap auto insurance if you are a foreign driver can be challenging in some circumstances. We do recommend all foreign or International visitors who are here on a longer term or permanent basis that plan to drive an automobile to get a U.S. license. It can be an annoying process though but we feel is worth it in the long run. If you are here on a short term basis we do not recommend getting a U.S. license but instead purchasing insurance from a rental car company or just do ride sharing. In most cases ride sharing makes a lot of sense and can be a great way to get around legally.
Click here to read more about Foreign License Auto Insurance
Temporary Car Insurance
Temporary car insurance can be a great way to get cheap insurance for a short period of time. We recommend going with an auto insurance carrier that offers a monthly policy or if they only offer a 6-month policy then make sure they pro rate their cancellation refund. If they short rate the refund you could get stuck owing them money if you cancel very quickly after starting the policy. Even though there is no auto policy that is called a “Temporary Car Insurance” you can just tell the insurance company who you are getting quotes through that you intend to cancel the policy very soon and they can find the best for you. Many nonstandard auto insurance companies specialize in this type of insurance coverage.
Click here to read more about temporary car insurance
How to lower your automobile insurance
Taking advantage of all discounts that are available is one of the better ways to lower your car insurance premiums. It helps to set up your billing on EFT and on Paperless billing, this can lower your monthly rate up to 10%. Some auto insurance companies offer a 7-10% discount for taking a defensive driving course. Houston car insurance is expensive, so try to take advantage every chance you get to save money on your monthly premiums. Also, be sure to shop around at your renewal to make sure your current insurance carrier is still the best fit for you and your family. Try to keep an even number of cars and drivers on your policy. Auto insurance companies like this because it appears as that you have disclosed all the people driving your vehicles. Undisclosed drivers cost auto insurance companies millions of dollars each year by having accidents. Insurance companies want to be able to underwrite all drivers driving your vehicle to provide you with the proper monthly rate.
Non owner's insurance in Houston
Non owner's insurance is a type of insurance policy for someone who needs auto insurance but does not own an automobile yet. Non owner's insurance is cheaper than normal liability insurance by about 30%. Not all insurance carriers in Houston offer non owners insurance policies. But here at Cheapest Auto Insurance we can help you find cheap non owners' insurance in Houston no matter your driving record, here are a few auto insurance brokers we found that offer this coverage:
If you have a suspended driver’s license and you don’t own a vehicle yet but need an SR22 you can purchase a non-owners SR22 policy from several auto insurance companies in Houston, here are a few that we found who offer this regardless if you have a license or not:
Save Money Car Insurance
How to find full coverage auto insurance in Houston
Full coverage insurance rates in Houston are the highest in the state of Texas and among the highest in the country. It really helps to keep full coverage insurance costs down by keeping a good driving record and continuous insurance. Full coverage usually costs about twice as much as liability only insurance does. Full coverage insurance is mandatory to have if your car has a loan on it. Most of the car dealerships in Houston require you to carry full coverage insurance before you leave the lot unless you do not finance the vehicle. Many lienholders will require a $500 deductible before you can leave the car lot. The higher the deductible is the lower your monthly insurance costs are and vice versa with a lower deductible. Here are some auto insurance companies that sell full coverage insurance in Houston:
Save Money Car Insurance
It is important to know the deductible you need before getting an insurance quote for full coverage. Here are your options of deductibles to choose from:
Click here to learn more about collision insurance.
The deducible is the part of the policy that the customer is responsible for in case of an at fault accident for the damage done to their vehicle. The lower the deductible the higher your monthly prices are. Some auto insurance companies in Houston offer a “vanishing deductible” which is beneficial for the customer because the longer you are with that company, the lower your deductible will be in case of an accident with no effect on your monthly rates, so this results in less money out of your pocket. This is a very cool feature that has become more and more popular over the past few years.
Cheap car insurance quotes in Houston
There are several ways to find auto insurance quotes in Houston. When searching for automobile insurance you will see a large amount of insurance advertisements. So here are a few ways you can help find affordable car insurance in a fast and efficient way.
Find an auto insurance broker that shops multiple insurance companies on your behalf.
Find an insurance company that fits your coverage needs and your current situation.
Here are a few auto insurance brokers in Houston that we found for you:
As far as online auto insurance quote comparison websites there are several choices for you to choose from. One thing to watch for is some of these sites can sell information to insurance brokers which could result in receiving a large number of calls attempting to give you an insurance quote. So, if you are using one of these sites to search for insurance rates be sure you are serious about it because nobody wants a lot of unwanted phone calls. Here are a few examples of an online quote comparison sites:
How to find affordable car insurance in Houston with a bad driving record?
Finding affordable auto insurance with a bad driving record can be a tough thing to do. We have a few tips to help you achieve this. Try to find an insurance company that is best for your current situation and phase of life you are in. For example, if you do have tickets and accidents you may want to contact a nonstandard auto insurance company. This is an auto insurance broker that works with many insurance carriers to find the best price. They usually have access to insurance companies that are more forgiving of tickets and claims. Here are a few auto insurance carriers that provide cheap insurance for Houston drivers:
While receiving auto insurance quotes be sure to tell the company about all of the tickets and accidents you have in the past three years. Many insurance companies do not run your driving record on the initial quote itself, most wait until you are ready to buy the policy then run your driving record after point of sale. This is why it is important to disclose your driving record upfront so the insurance quote will be accurate so you don’t have unexpected higher bills in the future.
One month auto insurance can be a good policy for someone who has a bad driving record because it offers a more flexible payment plan and not a long-term commitment, this also can be called a “month to month insurance” policy.
Learn more about how to find cheap auto insurance rates if you have a bad driving record.
DUI Auto Insurance
Auto insurance rates after a DUI can get very expensive. It is the violation that carries the heaviest points allowed up to 6 pts for just one incident. To weigh that impact on rates an accident I usually 3-4 pts on high end. Auto Insurance companies feel drivers who have had a DUI history are more prone to large accidents. Usually, an accident involving a drunk driver does serious damage to property and people which costs the insurance companies large amounts of money. Drivers with a DUI pay the highest auto insurance premiums in the market. Some auto insurance carriers will decline coverage to anyone who has had a dui in the last 5 years. Here at Cheapest Auto Insurance, we make sure to find you the cheapest auto insurance quote possible even if you have a DUI on your record. Here are a few auto insurance companies that we found who offer auto insurance after a DUI:
- The General
- Safe Auto
- Save Money Car Insurance
Click here to learn more about finding cheap auto insurance with a DUI.
Auto Insurance with a Suspended License
Finding cheap auto insurance with a suspended license can be very difficult. Auto insurance is expensive enough with a normal license let alone with a suspended one. A lot of insurance companies surcharge up to 4 points on an auto insurance policy for having a suspended license. This can raise your rates up to 30% on your monthly premiums. Insurance companies also look at the reason why your license is suspended and rate accordingly. Some auto insurance companies will even deny you coverage if your license is currently suspended. We have found nonstandard auto insurance companies are the best fit for drivers with a suspended driver's license. Drivers with a suspended license are considered high risk drivers as far as insurance companies are concerned. Here are a few auto insurance companies we found who offer affordable rates for drivers with a suspended driver's license:
- Save Money Car Insurance
- The General
- Safe Auto
Click here to learn more about finding cheap auto insurance rates with a suspended license.
How to find cheap auto insurance with no license
Drivers who do not have a driver's license will pay more for their auto insurance compared to what the cost would be if they have an active license. But one major misconception about auto insurance is that people think you cannot get auto insurance without an active license, but you absolutely can. It’s going to be more expensive but it is very doable. Here are a few tips for you to help keep your auto insurance affordable if you do not have a license:
- Sign up for auto pay on your monthly payments
- Sign up for paperless billing
- Keep a clear driving record for 3 consecutive years
- Shop around at your renewal to make sure your current company is still the cheapest
- Keep active insurance for 6 straight months for prior insurance discount
- Get a State ID as a form of identification
These are just a few tips to help you get cheap auto insurance quotes without a license. The best thing you can do though is keep a safe driving for 3 years and get as many quotes as possible. The more quotes you get the better your chances of saving money on your car insurance premiums.
Click here to learn more about finding cheap auto insurance with no license
How to find cheap SR22 Insurance
SR22 insurance is an auto insurance policy that is required by the state for drivers who are convicted of one of the following situations:
- DUI or DWI
- Having an accident without insurance coverage
- Serious or repeat traffic offenses
- License suspension or revocation
It is important to remember that SR22 is not an insurance policy but an endorsement to the auto insurance policy. It is actually a form that your auto insurance will give you and file it with the state for you. It is important to keep your SR22 auto insurance policy active and paid to date. Allowing it to lapse and you continuing to drive can get you in more legal problems. Thankfully though adding an SR22 to your auto insurance policy will not raise your monthly auto insurance rates just usually a one time fee of up to $25.
Click here to learn more about SR22 Insurance
How to find cheap liability insurance in Houston?
To find the cheap liability insurance in Houston you can request liability only car insurance with 30/60/25 limits of liability which is the minimum in the state of Texas. This policy will only cover the damages done to a third party; it will not cover your vehicle. If you want your vehicle covered you would need to purchase full coverage insurance which costs about twice as much on your monthly rate compared to liability only. Liability insurance is also expensive in Houston compared to other areas of Texas. Your age and driving record are a big factor in your auto insurance prices for liability coverage. Here are a few options of liability limits that you can choose from in Houston:
Understanding More About Cheap Liability Car Insurance
1. "Watch and learn more about cheap liability car insurance"
2. "Click and learn more about liability only car insurance in "city name"
Learn more about Houston Auto Insurance
1. Click here to read about auto insurance coverage in Houston
2. Click here to watch about the importance of keeping auto insurance active
3. Click here to learn more about your auto insurance policy
4. Click and read about the importance of carrying proper auto insurance in Houston
5. Click and read more about finding cheap auto insurance in Houston
Houston Auto Insurance
We do envision Houston car insurance prices to continue to go up in the near future. Houston is not a popular place for insurance companies to aggressively write business. But not here at Cheapest Auto Insurance, we provide Houston drivers with the affordable car insurance they deserve. No matter where you live in Texas we can provide you with the affordable coverage you need.
Here at Cheapest Auto Insurance we have several auto insurance companies that specialize in providing affordable insurance in Houston. We offer flexible monthly payment plans and low first month payment car insurance. We offer cheap insurance rates for the below insurance policies:
Non owner's insurance
Full coverage insurance
Liability auto insurance
Truck insurance can cost more than regular car insurance in many cases just because trucks are bigger and can cause more damage than smaller cars. This is more on the bodily injury liability and property damage liability section of the policy that you will see the increase. As far as the other coverage sections like uninsured motorist coverage, medical payments, or pip coverage sections of the policy, truck insurance rates on those parts of the policy are very comparable to any other vehicle you would get a quote from. Here at Cheapest Auto Insurance we have companies that specialize in cheap truck insurance, call or text us today for a quick quote!
Click here to learn more about truck insurance
The Future of Insurance in Houston
Insurance in Houston is changing all the time with the new tech companies coming in to the market you can purchase about any type of insurance completely online. With Houston being such a large city, many people prefer purchasing insurance online or by phone instead of driving to a local retail store. Starting an insurance policy online is a very different way of doing business than most people are used to. For many years, working directly with an agent face to face was the way to purchase insurance. But we see this changing very soon. Homeowners and commercial insurance are some of the few sectors in insurance that is hard to do online due to the complexities of the policy coverages. There can be exclusions and endorsements in these policies that for the consumer may be difficult to comprehend. We feel the future of insurance is a direct-to-consumer model, especially in the younger generations. Face to face may not go away at once but with the large number of new tech companies entering the industry we expect insurance to continue to head in that direction at a fast pace, especially in the automobile insurance industry. Car insurance is much easier to purchase compared to other types of insurance. Many of these tech companies have affordable car insurance rates but it is yet to be seen how claims are taken care of and can they be profitable on the underwriting part of the business, which can take years to see. Thankfully at Cheapest Auto Insurance we have auto insurance companies that allow Houston drivers to start their policy online or over the phone.
To read more about the future of auto insurance click here.
How to find cheap auto insurance online?
When getting online car insurance quotes, you need the same mindset as if you were speaking to an agent. First off have all your information ready so the quote can be accurate. Secondly, tell the truth so your quote will be accurate. Try to get as many discounts as possible, here are a few you can check when getting online quotes:
- Sign up for auto pay
- Sign up for paperless billing
- Take a defensive driving course
- Pay your policy In full for six months
Some auto insurance companies offer a discount for doing the insurance online compared to speaking with an agent. So, if you understand auto insurance coverage this can be a very good option for you to save some money on your insurance. Just make sure you research the company you are looking at before you pay for the policy. The more research you do the better and the more quotes you get the chances of finding cheap rates will increase.
Click here to learn more about finding online auto insurance
Online car insurance quote comparison sites
Online car insurance quote comparison sites can be great ways to get a lot of quotes at one time. And as we have discussed many times that is one of the key ways to finding the cheapest auto insurance policy. The more quotes you get the cheaper your insurance is in most cases. If you do choose an online comparison site for your insurance needs it is important to remember that site in most cases is not your actual insurance carrier. They are the middleman and mostly just help you get the policy started initially and do not service the policy going forward. The insurance carrier they set you up with would be responsible for servicing the policy going forward.
Click here to learn more about finding cheap insurance from an online car insurance quote comparison site
Auto insurance Companies in Houston
There are many auto insurance companies in Houston that you can choose from. When searching for the insurance company that fits your needs, it is wise to read reviews from customers. Firsthand knowledge is a good way to see how the insurance company is taking care of their customers. Most insurance companies in Houston are steadily increasing rates. Hopefully CAT losses like tornados and hurricanes don’t hit any time soon which can help lower Houston car insurance prices. Weather is important for Houston prices but just as important is heavy traffic and Uninsured motorists like we mentioned above, if these things can get under control the future of auto insurance in Houston could potentially lower.
Click here to learn more about the best auto insurance companies
Do I need an auto insurance broker?
Auto insurance brokers can be a great option to shop car insurance quotes through multiple companies with one call. This saves consumers a lot of time and hassle because we all know that no one enjoys calling around for auto insurance quotes. We have found some of the larger auto insurance brokers in Oklahoma and Texas that can help do all the auto insurance shopping for you:
- Cheapest Auto Insurance
- Best Insurance
- La Familia
- Advantage 1
Some of these companies are contracted with over 100 different companies so you will see how this could be an advantage to the consumer to get that many quotes with one call. With anything though there are pros and cons about purchasing auto insurance from a broker.
Click here to see all the pros and cons of using an auto insurance broker
Tips on buying insurance for your new car
There can be a lot to buying a new vehicle and one of the most important parts of this process is purchasing auto insurance. Car insurance prices for new vehicles can be very expensive. So, it is important to make sure you take all the steps to get the cost as affordable as possible. We have found a few of the top companies for full coverage insurance on new cars and here they are:
- State Farm
It is important to keep your auto insurance policy active and credit score high to receive the best full coverage new car insurance prices.
Click here to read more about new car insurance.
Most car dealerships will require you to have full coverage insurance proof before they will let you purchase the car lot and leave with the car. Some dealerships will let you carry liability auto insurance through an insurance company and they will sell you the comprehensive and collision coverage part of the policy. It's important to remember though that in most cases the dealership insurance is not legal insurance you will have to purchase state minimum liability limits to be legal on the road.
Click here to watch a video explaining how to find cheap new car insurance
Importance of doing an annual auto insurance check up
Our lives are always changing and so is our coverage needs for our auto insurance policy. It is important to contact your insurance company or auto insurance broker on an annual basis to go over your policy with them. Here are a few things to mention to your company or broker to make sure you are still covered correctly:
Make sure you have all the discounts you deserve on your policy and do they suggest any more discounts you should look at.
If you just bought a home you should consider bundling that with your auto insurance policy for a multi policy discount.
If you have gone from liability to full coverage recently be sure to go over with them what all is on your full coverage policy. Here are a few coverages that don’t come on a normal full coverage quote. Medical payments, Uninsured Motorist Coverage, Rental and towing are just to name a few.
New to Cheapest Auto Insurance?
Here at Cheapest Auto Insurance we want to be sure that all your insurance needs are met. We make it quick and simple for you to get a quote whatever your current situation is. Whether you need basic liability auto insurance, full coverage, or maybe you don't have an active Oklahoma driver's license we have insurance professionals who are ready to help you get what you need call us at 713-237-0904 to get a free quote or to get a quote online click here!
We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.
Find Local Houston Agents
Dean & Draper Insurance
3131 W Alambama St Ste 150, Houston, TX
Memorial Insurance Agency
13624 Memorial Dr, Houston, TX
Kingspoint Insurance Agency
11200 Richmond Ave #350, Houston, TX
Not sure about Houston
Check out these other Texas cities:
North Richland Hills