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Cheap Car Insurance in Houston, Texas

Houston is the largest city in Texas and is located in the southeast portion of the state. Founded in 1836, the city has grown to be an economical and cultural center in the Lone Star State. A population of over 2 million makes road congestion and motor vehicle crashes a major concern for drivers in the Houston area.

Driving Conditions in Houston

While congestion is common on freeways surrounding Houston, traffic studies that are conducted using state-of-the-art equipment have helped Houston handle some of the traffic load in the city. Houston TranStar works on traffic management efforts including carpool lanes, timed freeway entrances on Interstate 45 and cameras located along freeways that are used to gather information about lightening the traffic load.

Odd Laws in Houston

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

Houston Crime Statistics

Crimes statistics related to vehicles and driving can have a significant impact on car insurance rates in a particular city. The statistics listed below have been gathered from 2011 data provided by the FBI and 2012 data provided by the Texas Department of Motor Vehicles.

- Auto Thefts

There were 12,281 auto thefts in Houston in 2011. This means that there were 5.7 auto thefts per 1,000 residents.

- Property Crime

There were 108,336 property crimes in Houston in 2011. This means that there were 50.5 property crimes per 1,000 residents.

- Drunk Driving

There were 1,662 DUI-related crashes in Houston in 2012.

- Crash Statistics

There were 47,585 total vehicle crashes in Houston in 2012.

Houston Vehicle and Driving Safety Requirements

Houston follows the same driving safety laws as the rest of the state of Texas. According to the Governors Highway Safety Association, seat belts are required for everyone driving or riding in a motor vehicle. Booster seats are required for all children under the age of seven. Motorcyclists are not required to wear a helmet if they are over the age of 21.

The Insurance Institute for Highway Safety reports that Texas does not have a uniform cell phone or texting ban. However, school bus drivers are not permitted to text or use a cell phone while driving. All drivers are banned from using a cell phone to talk or text while driving in a school zone.

Impaired Driving Laws in Houston

The Texas Department of Transportation advises drivers that the legal limit in the state of Texas is a blood alcohol content (BAC) of .08. The consequences of driving while under the influence can be severe.

- First-time Offense

Fine up to $2,000
Jail time of up to 180 days
License suspension up to one year

- Second-time Offense

Fine up to $4,000
Jail time of up to one year
License suspension up to two years

- Third-time Offense and Drivers With a Passenger Under the Age of 15

Automatic fine of $10,000
Jail time of up to 10 years
License suspension up to two years

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Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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