Car Insurance Quotes Houston

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.

Car Insurance in Houston

family is happy they got car insurance quotes houstonWith a population of over 2 million people, Houston is the largest city in Texas and the fourth largest city in the United States.2 In a city that big, you’ll want to make sure you’re protected while out on the roads. Get the peace of mind you deserve with the AARP® Auto Insurance Program from The Hartford.1 Since 1984, this program has been offering great car insurance coverage to help protect drivers and their families. Whether you’re traveling to Hermann Park, the Space Center or anywhere in between, you can count on The Hartford to be there when you need us most. And if you’re looking for car insurance quotes in Houston, you’ve come to the right place.
 

Get Free Car Insurance Quotes for Houston From The Hartford

couple buying auto insurance houstonThe Hartford makes it quick and easy to get auto insurance quotes. You can request a free car insurance quote online or call The Hartford’s representatives at 888-546-9099.
 

What Are the Requirements for Auto Insurance in Houston?

Drivers in Houston are required to carry a minimum amount of car insurance coverage. The state minimum limits for car insurance in Texas are:
 

Discounts for Houston Car Insurance

The Hartford believes in rewarding customers. That’s why we offer several discounts to lower car insurance costs and help you save money. For example, you may be eligible for discounts when you:
 
  •  Complete an approved defensive driving course.
  •  Bundle insurance coverages. In fact, you could save up to 5% on your auto insurance and up to 20% on your home, condo, or renters insurance just by bundling.**
  •  Pay your premium in full.
  •  Participate in The Hartford’s TrueLane Program. You can receive up to a 12% discount just for signing up. Then, based on the safe driving habits you demonstrate, you could save up to 25% when you renew. ‡‡
  •  Have safety features in your car, like antilock brakes or multiple airbags.

What Is the Average Cost of Car Insurance in Houston, TX?

The average cost of car insurance in Houston is $2,219 a year or $185 a month.3 However, insurance rates in Houston are unique to each driver based on different factors. The amount you pay may be higher or lower than the average depending on your:
 
  • Geographic location
  • Driving record
  • Credit score
  • Type of vehicle

Benefits of the AARP Auto Insurance Program From The Hartford

man gets a quote for car insurance houstonAs a member of AARP, you can qualify for extra AARP benefits and discounts. For example, AARP members can receive up to 10% off their car insurance premiums. Other benefits available through the AARP Auto Insurance Program from The Hartford include:
 
  • New Car Replacement:§§ If you total your new car, your policy will help pay to replace it with a new vehicle of the same make, model and equipment.
  • Disappearing Deductible: Your collision deductible could be reduced over time, in most states, as long as you maintain a clean driving record.
  • Accident Forgiveness: We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • 24/7 Claims Service: Accidents can happen at any time. Our 6-point Claim Commitment assures you’ll get prompt and caring service throughout your claims experience, no matter what time you call.
  • Roadside Assistance: Help is available when you need it most. Roadside assistance and towing service is accessible to anyone who has a car insurance policy with The Hartford through RESCUE-1-800®. This service is available 24 hours a day, 7 days a week.

Learn More About Texas Car Insurance

Even if you don’t live in Houston, you can still get a quote for car insurance in Texas. Learn more about:
 
 
Last Updated: February 12, 2024
 
2 City of Houston, “About Houston: Facts and Figures”
 
3 Bankrate, “Average Cost of Car Insurance in Texas in 2023”
 
Additional disclosures below.

Texas Car Insurance

There’s more to know about car insurance in your state.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.