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Best Cheap Auto Insurance in Houston 77063

Want cheaper auto insurance in Houston without sacrificing coverage and service? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and quality service all while helping you learn more about your city.

Houston is the largest city in Texas and the fourth largest city in the United States. Known as the Energy Capital of the world, Houston is home to more than 5,000 energy-related firms.

Houston was founded on Aug. 30, 1836, by two real estate businessmen, Augustus Chapman Allen and John Kirby Allen. The city was named after Sam Houston, a general who fought at the Battle of San Jacinto. The city was able to grow thanks to its location on the Buffalo Bayou and the later-created Houston Ship Channel, where ships from New York and New Orleans could dock. This and the building of railroads also helped grow Houston into one of the most diverse cities in the United States.

Today, Houston has more than 500 cultural, visual and performing arts organizations. Tourist attractions include: the 17-block Theater District, Museum District, Bayou Place, Space Center Houston, Galleria and Old Market Square. In addition, the largest medical center in the world — the Texas Medical Center — is located in Houston, employing more than 52,000 people.

As for professional sport teams, Houston is home to the Texans (NFL), Astros (MLB), Rockets (NBA) and Dynamo (MLS). The Rockets have had the most success, winning two NBA Championships in 1994 and 1995. NRG Stadium was the first NFL stadium with a retractable-roof with natural grass and hosted Super Bowl LI in 2017.

Houston Driving Conditions

The Houston climate is humid subtropical and averages 99.6 days with high temperatures of 90 degrees or more. During the winter, Houston averages 18 days per year with temperatures of 32 degrees or less. Because of its proximity to the Galveston Bay, Houston is prone to tropical cyclones and hurricanes during the Atlantic hurricane season.

Congestion is common on the highways surrounding Houston, but the city has installed state-of-the-art equipment to help handle the traffic load better.

Crime Statistics

According to the 2015 Crime in the United States report, Texas had 777,739 accounts of property crime and 67,485 accounts of vehicle theft. Within cities and metropolitan areas in Texas, vehicle theft was reported 64,093 times.

Texas Driver’s Licence

As a legal resident of Texas, you’ll need to obtain a Texas driver’s licence. Those with a valid out-of-state driver’s licence or a Canadian operator’s license are not required to take a knowledge or skills exam.

Seat Belt Laws

The Texas Click It or Ticket law requires all adult passengers in vehicles to wear a seat belt. Children younger than 8 must ride in a child-safety seat or booster seat unless they are 4 feet and 9 inches tall. A seat belt violation can result in fines ranging from $25 to $250, plus court costs.

In Houston city limits, drivers and passengers must be wearing seatbelts.

Cell Phone & Texting Laws

Texas has no statewide law banning the use of cell phones in vehicles. However, various local municipalities prohibit or limit the use of cell phones while driving.

Currently, Texas has no law prohibiting texting while driving. However, various local municipalities have laws that prohibit or limit the use of texting.

Odd Law

Texas drivers may be surprised to learn that vehicle inspections in the state of Texas do not address the conditions or presence of a windshield. However, windshield wipers are included in the inspection.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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  • I moved to Texas and placed my insurance with Susan Ballards office. I have found the staff helpful and willing to go beyond normal duties to help. They not only made my transition to Texas insurance easy, they also helped give me information on transferring my vehicle here and how to go about getting a Texas Drivers License. Even down to giving me directions of where to go. I look forward to a long relationship and really appreciate the Texas welcome.

  • First and foremost I think insurance companies should pride themselves in their customer service abilities. Susan Ballard's employees should learn the skills required to provide ACCURATE insurance quotes before being allowed to take customer's private information. One of there employees not only quoted me an incorrect price making my husband and I cancel our current policy but misspelled our names, input an incorrect driver's liscense for my husband, got our street address wrong, spelled our city wrong, mixed up my husband's first and last name, and to top it all off what did Susan Ballard say? Not our problem. WOW what great customer service that is exactly what I am looking for in an insurance company. Now they are canceling our policy because their employee did it incorrectly and stating we have to pay over $100 more a month to stay with them. I THINK NOT! I would reccomend you find an agent who will work with you and correct employee mistake at their own expense not yours.

  • The people at this office, unlike most companies, seem to have your best interest in mind. They take the time to explain your insurance coverage's in a way that is very understandable. There are "cheaper" insurance companies, but Jenny's office is the best of the best, I am sticking with them forever!!

  • This office was hard to find. Once I got there they were closed for lunch. Who closes for lunch in these times? I waited 45 minutes for them to open 10 minutes after the sign said they would be back. One lady in the office stared at me eerily while I spoke to a staff person. The agent wasn't even there and they barely spoke what could pass for Spanish!! I got a quote but they were too high. I guess I'm staying with the animal product.