Auto Insurance Center logo
(844) 777-5466
Enter Your Zip Code to Get
Insurance Offers in Your Area!
Get FREE Insurance Quotes:
  • Save up to $400 on average.
  • After getting instant quotes, there's no commitment to buy.
  • Spend 6 of the most useful minutes of your life with us.
  • Delivering car insurance coverage since 1997.
  • Your information is safe with us!

Best Cheap Auto Insurance in Houston 77070

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.

  • Company
  • Description
  • Address
  • Contact
  • This is the best Insurance Company have I ever done business with This is the first Insurance Company I have ever work with, that help you save money on your insurance. They are always pleasant and great customer service. I highly recommend this company

  • STAY AWAY FROM THIS COMPANY!! Quality 0 My mother had been with this agency for a couple of years and we had decided to combine our policies. We called in to get some rate quotes and ended up spending almost 4 hours on the phone going back and forth between the agent, myself and my mother. FINALLY, they had me send them my current policy to see if they could beat my current rate with Mercury County Mutual while keeping the SAME benefits. One of those benefits being a $250 deductible on my full coverage policy. They came back with a quote $100 less per 6 month policy so we signed on. Flash forward a year and a half later. I accidently backed into a car doing 5 miles per hour. I personally reported the accident and requested a claim number to submit when I took my car in only to have the "representative" tell me that I had a $500 deductible. I calmly explained that "No, I did not.' That it had taken us almost 4 hours to MAKE SURE that all of the details on my previous policy were EXACTLY the same with their firm. At which point, the "representative" informed me that per her records, I had NEVER SPOKEN WITH ANYONE. That "our coverage" was purchased "online" and "after hours". Nevermind that we had proof that my mother had her policy with them for two years prior to the time we combined them. We tried speaking directly with Mr. Hambrick to no avail. He states that there "was nothing we can do about that"...which of course means, we could care less about a mistake we made, as long as it ONLY COST our customers money and NOT US. Two months later, we receive the renewal and the policy has jumped up over $200 even though prior to that I had not had an accident in over 6 years and my mother 20+ years accident free. Do yourself a favor AND SKIP THIS COMPANY. They lie and do not make any effort what-so-ever to rectify any mistakes on their part.