Car insurance in Houston, Texas Elephant protecting blue car. No one protects like Elephant.

Car insurance in
Houston, TX

Auto insurance for reliable protection in Houston, TX

Affordable, reliable car insurance in Houston, TX

Houston is currently the most populous city in Texas and one of the most populous cities in the United States. It is located in the southeastern part of the state, on the Gulf of Mexico. The city was founded in 1836 by Augustus Chapman Allen and John Kirby Allen, and it quickly grew as a major center for the oil and gas industry.

Today, Houston is a major center for business, finance, and medicine. It is also home to a number of Fortune 500 companies, including ExxonMobil, Chevron, and ConocoPhillips. Houston is also a major cultural center, with a number of museums, theaters, and art galleries.

Some of the most popular tourist attractions in Houston include:

  • The Space Center Houston: This museum is home to a replica of the Space Shuttle Independence and other exhibits about the history of space exploration.
  • The Houston Museum of Fine Arts: This museum houses a collection of over 60,000 works of art, including paintings, sculptures, and artifacts from around the world.
  • The Houston Galleria: This is a large shopping mall with over 300 stores.

Houston is a vibrant and diverse city with a rich history and culture.

With over 25,000 miles of roadways and 2 million people, Houston traffic can get pretty heavy. With so many cars on the road in Houston, it’s important to have the right car insurance to help protect you and your car. When it comes to car insurance, every state has different requirements. Make sure your car insurance meets Texas’s insurance requirements. Visit our Texas car insurance page for more details on coverage requirements. Fortunately, getting a car insurance quote from Elephant is easy. Elephant offers competitive car insurance rates and great service through the Elephant mobile app, online quote, online agent chat or by phone.

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Get a car quote insurance quote in Houston, TX

No matter where you’re going or what you’re doing, it’s important to have good car insurance to protect yourself in case of an accident.

Here are some tips for looking for car insurance:

  • Make sure you understand the terms of your policy before you sign it.
  • Consider getting additional coverage, such as collision and comprehensive insurance to get the protection you want.
  • Review your policy regularly to make sure it still meets your needs.

By following these tips, you can find the best car insurance for your needs.

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Factors affecting car insurance rates

There are many factors that can affect car insurance premiums, including:

  • Your age: Younger, inexperienced drivers are generally considered to be higher risk drivers and may pay more for insurance.
  • Your driving record: Drivers with a clean driving record will typically pay less for car insurance than drivers with a history of accidents or traffic violations.
  • Your car: The make, model, and year of your car affect your car insurance premiums. Cars that are more expensive to repair or replace may have higher premiums.
  • Your location: The cost of car insurance varies from state to state and even from city to city. Drivers in urban areas typically pay more for car insurance than drivers in rural areas.
  • Your deductible: The higher your deductible, the lower your monthly premiums will be.
  • The type of coverage you choose: The more coverage you choose, the higher your premiums will be. However, it’s important to have enough coverage to help protect yourself financially in the event of an accident.

How does your vehicle affect your car insurance


Car insurance discounts

You can take advantage of the many car insurance discounts offered by Elephant including:

Multi-car discount

Insuring more than one vehicle in your home? We have a discount for that. It’s called our multi-car discount and it can add up to big savings fast. If you have two or more cars kept at the same address, why not insure them all on one policy? You could enjoy savings that offset the cost and inconvenience of juggling multiple policies.

Good student discount

Tuition, textbooks, and transportation costs can add up for students — and their parents! Fortunately, we offer a discount for full-time students under the age of 25 who are unmarried with a GPA of 3.0, or a B average, or better.

Work From Home Discount™

Are you working from home and therefore driving less? We have a discount for that. The more days you work from home, the bigger your savings could be with our Work From Home Discount™.

Multi-policy discount

Elephant makes it easy to save money and time when you purchase home or renters insurance and car insurance together. It’s simple: when you bundle policies, you automatically qualify for our multi-policy discount.

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Why is car insurance important?

Car insurance is a safety net that can help protect you from the financial consequences of car accidents. In the event of a collision or any other covered incident, your insurance provider can step in to help cover the costs, ensuring that you don’t bear the full brunt of the expenses.

Learn about Elephant car insurance


Tips for finding the best car insurance

Shop around and compare your car insurance quotes from multiple insurers. This is the most important thing you can do to save money on car insurance.

Consider a higher deductible. A higher deductible will lower your monthly premiums. However, you will have to pay more out of pocket if you file a claim. You may also want to check with you lienholder to make sure you have the coverage required for your loan or lease.

Bundle your car insurance with other policies. Many insurance companies offer discounts for bundling your car insurance with other policies, such as homeowners or renters insurance.

Multi-policy discountBundling insurance 101

Take advantage of discounts. Most insurance companies offer discounts for things like good driving records, anti-theft devices, and completing a defensive driving course.

Drive less. The less you drive, the lower your car insurance premiums will be. If you work from home, Elephant offers the Work From Home Discount™ because you’re driving less.


Frequently asked questions (FAQs)

How can I lower my car insurance rates?


Here are some tips on how to lower the price of your car insurance:

  • Maintain a good driving record. Your driving record factors into the price of your car insurance. If you have a clean driving record, you’ll likely get a lower rate than someone who has been in accidents or received traffic tickets.
  • Increase your deductible. This is the amount of money you have to pay out of pocket before your insurance company will cover a claim. Increasing your deductible can save you money on your premiums, but it’s important to make sure you can afford to pay the deductible if you need to make a claim.
  • Bundle your insurance policies. If you have other insurance policies with the same company, such as homeowners insurance or renters insurance, you may be able to get a discount on your car insurance.
  • Get a multi-car discount. If you insure more than one vehicle on one policy with Elephant, you’ll get a multi-car discount.
  • Pay your premiums in full. You can qualify for Elephant’s paid in full discount by paying most or all of your policy premium up front.
  • Get a safe driver discount. Safe driving adds up to extra savings with our claims free discount.

Car insurance discounts

Can I transfer my car insurance policy to a new vehicle?


If you’re an Elephant policy holder and buy a new car, you can promptly add your new vehicle to your existing policy with a quick phone call, or via your online account or the Elephant mobile app. While your Elephant policy can offer temporary protection, some add-on coverages may not automatically extend to your new vehicle. You may need to adjust your coverage to get the protection you want for your new car. For uninterrupted coverage, check your policy for rules around adding your new vehicle to your policy.

If you don’t have car insurance, you can find competitive rates for car insurance in Houston, TX from Elephant Insurance. Start your auto insurance quote anytime.

Are there any additional coverage options I should consider for car insurance?


In addition to the required car insurance coverage in Texas, you could also consider adding the following coverage for expanded financial protection.

  • Collision coverage: This type of coverage pays for the damage to your own car if you are in an accident. It’s not required by law in Texas, but it’s often required by lenders if you finance the purchase of a new car.
  • Comprehensive coverage: This type of coverage pays for the damage to your own car if it’s stolen or damaged by something other than a collision, such as fire, theft, vandalism, or hail. It’s not required by law in Texas, but again, it’s often required by lenders if you finance the purchase of a new car.
  • Rental reimbursement coverage: This type of coverage pays for the cost of a rental car if your car is in the shop for repairs after an accident. It’s not required by law in Texas, but it can be a good idea to have, especially if you need your car for work or other essential activities.
  • Loan/lease payoff coverage: This type of insurance pays an additional payout for any remaining balance owed on a loan or a lease after a vehicle is declared total loss. It’s not required by law in Texas, but it can be a good idea to have if you have a large car loan or if your car is close to being paid off.
  • Roadside assistance: This coverage can provide you with roadside assistance services, such as towing, jump starts, and lockouts. It’s not required by law in Texas, but it can be a good idea to have, to help get you back on the road sooner.
    Comprehensive and collision coverage

Steps to take after an accident

If you’ve been involved in an accident, the first step is to determine whether anyone in your vehicle has been hurt. If another car was involved, check on the other driver and any passengers. Once you’ve confirmed everyone is okay, follow these steps after an accident.

  • Stay calm.
  • If your car is drivable, move your vehicle out of the way of traffic and turn on your hazard warning lights.
  • Get medical help if anyone is injured.
  • Call the police to report the accident even if the accident is minor.
  • Answer questions the police may have and provide your driver’s license and insurance information. Limit your discussion of details of the accident with the police only. Ask for the name and badge number of all officers you speak to. Request a copy of the police report for your insurance company. Don’t admit fault or reveal your policy limits.
  • Gather information. Get the names, addresses, phone numbers, and auto insurance information of all parties involved. Be sure to get contact information of any witnesses.
  • If you have a camera with you, take photos to document vehicle damage, the accident scene, skid marks, and any other features of the accident scene.
  • Report the incident to Elephant Insurance as soon as possible by using our online form.
  • Take reasonable steps to protect your vehicle from further damage. If your car is not drivable, request roadside assistance.


Get a car insurance quote in Houston, TX

Find competitive rates and highly rated customer service for car insurance from Elephant Insurance. Start your online Texas auto insurance quote anytime. It’s quick and easy.

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