Houston Auto Insurance

The minimum requirements for car insurance in Texas are 30/60/25. That's 30,000 Per accident for bodily injury per person, 60,000 per accident aggregate for bodily injury, 25,000 Property damage liability insurance per covered accident. This provides a total of up to 85,000 insurance for each covered accident.

In order to meet Texas state financial responsibility requirements, your insurance policy must have at least these limits. The policy must be issued by an insurer authorized to do business within the state. Although 85 K is the state's minimum coverage requirements, higher limits are available from most insurers if desired.

Instant Web Rater

We have added an Instant Auto Insurance Quotes capability for Houston drivers wishing to obtain a quick indication rate comparison. Email quote request are still available for Houston residents and will be prepared by our agency personnel for your consideration.

Please feel free to contact our office at the above phone number if you need assistance with Auto Insurance Insurance or with the use of this web site.

Failure to Maintain

Currently, Failure to maintain Financial Responsibility in Houston carries a hefty fine and several other penalties including Suspension of your Drivers License. An SR22 insurance Filing Requirement is usually imposed before you can get the suspension lifted. The state has recently instituted an annual fine that persists for 2 to 3 years after the date of suspension which must be paid in order to maintain your driving privileges.

As a result it now typically costs an individual up to 900 dollars or more in fines and filing fees after an infraction for driving in the state without adequate Financial Responsibility or Insurance.

Important Notices

As of April, 2008, The state has instituted by enacted legislation a requirement that auto insurance companies doing business within the state must report all insured's Effective policy dates, Expirations and Cancellations to a statewide insurance database for use by law enforcement. This will enable law enforcement to verify coverage validity at the scene or even before pulling a driver over. This will also enable law enforcement officers to quickly ascertain if the driver has presented them with an Expired or canceled or otherwise invalid insurance card.

If the scenario follows the usage rules currently followed by many other states. Drivers may in the near future find that their drivers license and car or vehicle registration has been automatically suspended due to a loss of, or a lapse in coverage even though no traffic violation has occurred. Many states have already implemented this method of use.

State Reciprocal Agreements

The days of jumping state lines in order to obtain a new drivers license or cheaper suto insurance are over. In the past many people after having their drivers license suspended in one state, would simply cross into another state and obtain a New Drivers License. With the age of information technology this is no longer a viable option. The various 50 states have all entered into reciprocal agreements wherein an Applicant will be denied a drivers license in that state until such time as they have resolved any suspension issues, outstanding tickets and or fines in their previous state of issue.

License Address Update

It is important that your Houston mailing address on Drivers License and auto insurance information be correct and up to date with your State Licensing Authority. You will usually receive any notice from DPS regarding the status of your driving privileges at the home address listed on your license. Likewise your auto insurance company need sup to date information so that you receive timely notices regarding your insurance policy

Many people have found only after months or sometimes years later that they have been driving on a Suspended License after receiving a ticket for no insurance. This is usually the result of outdated address information on file with the State of issue.