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Based on 2,023 reviews
Competitive prices is great but the quotes are confusing. Curtis Davis was my first contact who was very knowledgeable and helped with concerns I had. They get very busy, as do I which fail to go forward at the time. Wesley Roberson was my second contact who also had much knowledge and straight forward with my concerns. I’m just an average person that has no clue about insurance but numbers that fit my budget I do know. The great thing about TGS, they have several companies in their contracts and will quote you their cheapest company (well I hope so). As for the quotes, there’s not much to them just the quoted price with no break down. With no explanation on the quotes I had a lot of questions to decide which was best for my budget. Over all 3 stars due to lack of visuals explanation quotes, with the help customer service 4 stars at best. Curtis and Wesley thank you both for having patience and understanding.
Very professional and quick response ..would recommend to everyone
Once I finally got a day off to call everything was handled, however, asking for a quote online did not workout at all.
Very helpful save me a lot of money explain all my benefits very well I’m glad I called
Rauel De Anda
Agent was terrific, walked through our needs and set us up with the right insurance.
The young man I spoke with was very helpful and went over the different coverages with me so far could understand them
I was impressed how patient the team was with me. I bought my 1st home a year ago at 58 years old. This is still new to me. Everyone I spoke to was more than willing to answer all my questions and spoke very professional when explaining the steps of the insurance. I was made to feel safe and at home after signing on with you all. Thank you
We had an excellent experience with TGS Insurance Agency. Pedro, the agent gave us the best low cost for home insurance. He was very professional and prompt. I would recommend the agency to my friends.
Nicole M Barnes
Fantastic service and the best rates imaginable. Thank you!! Lowered my insurance costs by almost half!!
My choosing TGS insurance was a learning experience for myself. They people that helped me were very professional and knowledgeable. Looking for different providers that gave me a better price was great. Thank you so much for your great help. Will continue to use this agency again.
You guys made it easy to save me money on my insurance and also to fix all my issues with my escrow
Houston Car Insurance
Houston is known for many things: the word’s largest rodeo, NASA, its ties to the oil & gas industry and so much more! Houston is also home to more vehicular crashes per year than any other major city in Texas. According to the Texas Department of Transportation, there were 58,167 crashes in 2020; that’s an average of 159 accidents per day on Houston roads. Houston car insurance is not only a legal requirement but a moral and financial necessity to protect yourself, other drivers, passengers, and pedestrians alike.
Minimum auto insurance limits are set at the state level, but with the average cost of a vehicle increasing year after year, a minimum limit auto insurance policy is hardly enough to cover you in the event of a serious accident. Less than 0.20% of auto policies that we write in Texas are state minimum liability only. For this reason, we will focus on full coverage auto policies in this article unless noted otherwise. Full coverage auto insurance includes liability insurance plus both collision and comprehensive coverage.
How Much Is Car Insurance in Houston, TX?
The average cost for full coverage auto insurance in Houston is $1,007 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:
- Driver’s age
- Driver’s driving record
- Driver’s claims history
- Driver’s marital status
- Driver’s credit score
- Vehicle’s make and model
- Vehicle’s use (is this a weekend car? Or is it used to commute daily?)
How Does Location Affect Car Insurance Rates in Houston?
Similar to homeowners insurance, location is an important factor in determining your auto insurance rates in Houston. If your neighborhood has a higher rate of theft than the neighborhood a few blocks down, your rates will be higher. If there is a higher than the average number of uninsured motorists in your area, your rates will be higher. If auto insurance companies identify anything in your area that might make your vehicle riskier to insure, you will see that reflected in your premium. Likewise, there are things you can do like parking your car in a garage or covered area versus the street that can help reduce your premium. Because carriers get so granular with their risks evaluations, rates can vary greatly- even within the same city. Below is a breakdown of the average premium for auto insurance around Houston:
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Is Houston Car Insurance More Expensive than Other Major Texas Cities?
At $1,007, Houston car insurance costs more than the state average of $961 but is not the most expensive city in Texas. Among TGS Insurance customers, Houston has the 2nd most expensive average premium per vehicle for full coverage auto insurance.
|City||Average Annual Premium|
Compare Houston Car Insurance Quotes with TGS Insurance Agency
There are many options available when it comes to Houston car insurance coverage. The best way to purchase the right auto insurance policy for your needs is to talk to an experienced insurance agent. TGS Insurance Agency now makes it easier than ever to insure your vehicle with a totally free, instant car insurance quote. (With zero hassle!) If you prefer to talk to someone from the start, TGS Insurance is always here for you- feel free to contact us at your earliest convenience!
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.
Learn More About Houston Car Insurance:
Houston Auto Insurance FAQs
Does my Auto Insurance Follow the Car or the Driver in Houston?
A standard auto insurance policy follows the car, not the driver.
Is Texas a No-Fault State for Car Accidents?
No, Texas is not a no-fault state; Texas is an at-fault state. In short, This means that the person responsible for the accident is also responsible for paying for damages. Further, if the responsible party doesn’t have sufficient coverage to cover your expenses, you may also be able to sue the at-fault driver to recover the difference.
This is yet another reason making sure that you have sufficient coverage is crucial!
How Much is it to Register a Car in Houston?
The standard fee for cars and lighter pickup trucks (6,000 lbs or less) is a base registration fee of $50.75. Additional fees include a $10.00 local fee, a $7.50 inspection fee, and a $4.75 processing and handling fee. All in, it costs $73 to register your car/pickup truck (less than 6,000 lbs). For additional vehicles, check out the Texas Department of Motor Vehicles website.