Coverage designed with Houston in mind
One of the top five largest cities in the United States and the most populated in Texas, Houston is home to a culturally diverse population, some of the country's biggest parks and numerous Fortune 500 company headquarters. It has connections to the space, sports and transportation industries that help set it apart from other major metropolitan areas. The capital of the state, Houston is a relatively flat area located a short distance from the Gulf of Mexico and Galveston Bay and home to Interstates 10, 69, 45 and 610.
When it comes to auto insurance, every state has different requirements. For drivers in Houston, you can see what coverage and coverage limits Texas requires in the list below. These requirements are just a starting point – you may want to purchase additional coverages or increase your coverage limits.
Allstate offers auto insurance across all 200 Houston zip codes from 77002 to 70547. A Houston Allstate agent can help you understand the different insurance types available to you.
Houston car insurance requirements
Auto liability insurance is a type of car insurance coverage that's required by law in Texas, so Houston drivers must have it.
More specifically, the following liability coverages are the minimum required in Houston:
- $30,000 bodily injury liability limit per person
- $60,000 bodily injury liability limit per accident
- $25,000 property damage liability
Uninsured/Underinsured motorist coverage, collision¹ and comprehensive¹ coverage are not required for Houston drivers. In Texas, no-fault/personal injury protection insurance coverage is optional.
All coverages are subject to the coverage limits stated in your policy.
¹Although Texas law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Houston auto insurance discounts
It's possible to get quality coverage in Houston at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Houston drivers can find many ways to save with Allstate
Multiple policy discount
Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.
New car discount
You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.
Teen driver discounts
Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your Houston teen driver meets these requirements:
- Is a single, full-time student under the age of 25 and getting good grades
- Attends school at least 100 miles away from where the car is garaged
- Successfully completes the teenSMART℠ driver education program
Proof of insurance in Houston
If you are stopped by the police and asked to show your auto insurance card, drivers in Houston can show an electronic insurance card. Most states, including Texas, permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop.