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TGS Insurance  »  Auto Insurance  »  Humble

Humble Car Insurance

Humble, Texas, a city about 20 miles from Houston, is loved for its small-town feel while being close to the downtown amenities. According to txdot.gov, Humble has experienced a more than 50% increase in annual car accidents since 2010. With residents commuting an average of 25 minutes daily, the roads are seemingly becoming increasingly congested, and safety needs to be a top priority. Humble car insurance is legally required and a financial necessity to protect yourself and your assets.

Humble Auto Insurance: The Basics

Drivers in Humble spend an average of 50 minutes each day and 250 minutes each work week behind the wheel of their vehicle for commuting purposes alone. With so much reliance on personal vehicles in the city, it’s crucial to ensure you have proper car coverage so that you are covered in the event of an accident. In Texas, you are required to carry liability auto insurance with 30/60/25 minimum coverage limits. Liability insurance only provides financial assistance to pay for damages or injuries to other vehicles or other drivers in an accident that you cause. If you carry only liability insurance, any repairs to your vehicle will come out of pocket for you. Carrying only liability insurance, especially at the minimum coverage limits, is a considerable financial risk; because of this risk, less than 0.20% of auto policies that we write in Texas are for minimum liability only. For drivers seeking coverage that provides financial protection should anything happen to their own vehicle, regardless of fault, collision and comprehensive coverages can be added. Other popular optional coverages include:

  • Uninsured and underinsured motorist coverage
  • Medical payments coverage
  • Personal injury protection (PIP)
  • Rental reimbursement coverage
  • New car replacement coverage
  • Talking with your agent is the best way to find the ideal mix of coverage and coverage limits for your policy to ensure that you are adequately insured!

How Much Does Humble Car Insurance Cost?

The average cost for full coverage auto insurance in Humble is $1,093.41 among TGS Insurance Agency customers. Car insurance rates differ considerably due to several constituents, based on you, your vehicle, and your location, among many other things. These factors include, but are not limited to:

  • Age
  • Car make and model
  • High-risk violations
  • Yearly mileage
  • Credit history
  • Driving record
  • Zip code
  • Marital status
  • Gender
Some factors that affect your rates are entirely in your control, such as your driving record or credit history. Other factors, like your age and the population of Humble, are not.

How Does My ZIP Code Affect My Auto Insurance Rate?

Location is a huge factor in determining your auto insurance cost in Humble. Your rates could be higher if you experience higher crime rates in your neighborhood compared to the neighborhood on the other side of the highway or even down the road. In Humble, the ZIP code 77345 is the area with the lowest premium, averaging $889.15 annually for TGS Insurance customers. The ZIP code with the highest premium in Humble is 77396, where customers pay closer to $1,182.64 a year. See below for a breakdown of the average premiums around Humble based on zip code.

Map of Humble, TX displaying Humble auto insurance average premiums broken out by zip code

Humble Car Insurance Rates by Insurer

Choosing your car insurance provider is about more than just the price, even though we know the cost is undoubtedly a factor. Because each provider is in charge of setting their own rates, the premium for the same coverage can vary between carriers. The top carrier in Humble is Progressive. TGS customers in Humble pay an average of $1,079.83 when insured by Progressive. Looking at the numbers, an overwhelming number of people in your area have chosen Progressive over our next most popular carrier, Allstate. The average premium for Allstate is $1,154.96 for TGS Insurance customers. Here is a breakdown of the different carriers used in Humble.

Bar chart of Humble auto insurance premiums by carrier where Travelers is the cheapest option in Humble.

Getting a Humble Car Insurance Quote Has Never Been Easier!

Gone are the days of scrolling endlessly trying to figure out what even is car insurance or talking on the phone with an insurance agent for over 15 minutes, only to wait days to get an insurance quote. At TGS Insurance Agency, we’ve flipped the industry norm upside down to provide customers with an honest, accurate car insurance quote in 15 seconds or less, using your name and address! Your policy is shopped through our bank of 35+ A-rated (or better) carriers, so you can rest assured it’s the best policy the market has to offer! We handle everything from policy inception to payment and everything else in between for the easiest shopping experience.

Disclaimer

Every driver is unique. Insurance premium costs are impacted by several factors; therefore, we recommend obtaining an individualized quote to find your rates. Our data is representative of quality, publicly sourced, and internal data, but should not be deciphered as bindable.