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Best Local Car Insurance Agencies in Houston, TX

Our Recommended Top 21

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Houston Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1290Reviewed

782Curated

21Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Houston, TX

Expertise.com Rating

Review Sources

Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

AKG Insurance Agency has been serving clients in Houston and surrounding Texas metros for over 10 years. Its agents are dedicated to helping their clients by providing car, motorcycle, boat, and RV insurance solutions, home and flood insurance, pet insurance, and specialty insurance. They also offer professional liability and general liability insurance tailored to over 70 occupations. In addition to its insurance services, AKG Insurance Agency provides notarial services and document translation and live interpretation from English to Spanish and Spanish to English.

  • Boats
  • Home & Auto Insurance

11111 Katy Freeway, Suite 450, Houston, TX 77079
WebsiteLicense: 6543486

Expertise.com Rating

Review Sources

Google
4.8 (16)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

Firemark Insurance Agency serves individuals and families in Houston and nearby areas. It provides a wide range of personal protection plans, including car insurance. The independent company helps policyholders file claims to secure reimbursements for property damage and medical expenses. Its agents also help clients obtain motorcycle, homeowners', renters', and flood insurance. They work with various carriers, such as Progressive, Safeco, Travelers, and National General. Firemark Insurance Agency has been operating for more than four decades.

  • Bundling Option

6633 Hillcroft Ave, Suite 101, Houston, TX 77081
WebsiteLicense: 3208784

Expertise.com Rating

Review Sources

Google
4.8 (60)
Facebook
5.0 (43)

Why choose this provider?

AAIGOT Insurance Agency, Inc., & Tax Services offers risk management solutions for individuals and businesses in and around Houston. Its team provides auto insurance plans, which cover vehicle replacement and repair expenses in case the driver gets involved in a collision. The risk management professionals also furnish protection plans that cover towing expenses and accidents caused by uninsured motorists. With access to policies from multiple carriers such as The Hartford, Chubb, and Gainsco, they are able to find coverage options that meet clients' unique needs.

  • Bundling Option

8200 S. Main St. Suite 700, Houston, TX 77025
WebsiteLicense: 1470260

Expertise.com Rating

Review Sources

Google
4.9 (58)

Why choose this provider?

Linda Nguyen is a State Farm insurance agent serving the Houston area. She furnishes different protection plans, including car insurance policies, which cover losses from collisions and accidents caused by uninsured drivers. She also offers plans that protect rideshare company drivers and reimburse emergency road service expenses and rental car costs. Nguyen, who speaks Vietnamese and Spanish, is a member of the National Association of Insurance and Financial Advisors. She specializes in handling the insurance needs of relocating clients.

  • Motorcyle & ATV

3880 Greenhouse Rd Ste 202, Houston, TX 77084

Expertise.com Rating

Review Sources

Facebook
4.3 (10)
Google
4.3 (6)
Yelp
5.0 (1)

Why choose this provider?

Gibson Insurance Agency caters to families and individuals in Houston and the surrounding communities. It assists clients in acquiring personal protection plans, including car insurance. The independent company helps policyholders file claims to secure reimbursements for property damage and physical injuries caused by accidents. It also furnishes life, health, home, and umbrella insurance. In addition, it processes small business and general liability coverages. Gibson Insurance Agency has been in the industry for over two decades.

  • Motorcyle & ATV

2811 Airline Dr, Suite #4, Houston, TX 77009
WebsiteLicense: 2028053

Expertise.com Rating

Review Sources

Google
5.0 (125)
Facebook
5.0 (32)

Why choose this provider?

Universal Auto Insurance is an independent agency serving clients in Houston. It offers car insurance that protects individuals against financial losses in the event of an accident, theft, or natural disaster. The agency also provides insurance products for renters, homeowners, commercial vehicles, and general liabilities. Universal Auto Insurance represents more than 20 insurance companies, providing clients with a wide range of coverage options to choose from. The agency has been in the industry for 12 years.

  • Multiple Carriers

18477 W Lake Houston Pkwy Ste 30, Humble, TX 77346

Expertise.com Rating

Why choose this provider?

TWFG Insurance Services is an independent insurance company based in Humble, Texas. The company provides auto insurance policies for cars, motorcycles, boats, RVs, and ATVs. It offers special low-cost insurance policies for owners of classic cars that are driven only rarely. Policies start with the state-mandated coverage, with optional extras such as personal industry protection, towing and labor, and rental reimbursement. TWFG Insurance also provides home, life, flood, rental, and umbrella insurance.

2190 N Loop W Suite 102, Houston, TX 77018
WebsiteLicense: 2265587

Expertise.com Rating

Review Sources

Google
5.0 (171)
Facebook
4.9 (26)
Yelp
5.0 (2)

Why choose this provider?

The Vanguard Agency is a local company that caters to the insurance needs of clients in Houston and the surrounding areas. It offers a variety of product offerings, including auto insurance. It also provides other coverage options such as those for homes, businesses, life, and workers' compensation. The company's other products include renters' and restaurant insurance. The Vanguard Agency has been serving clients since 2018. Its owner, Humberto Garcia, carries insurance experience that spans almost 20 years.

  • Motorcyle & ATV

6605 Cypresswood Dr Ste 400, Spring, TX 77379

Expertise.com Rating

Review Sources

Facebook
5.0 (11)

Why choose this provider?

Spring Insurance Agency Inc. is an insurance company in Lubbock, Texas, that offers a wide range of personal insurance coverage to clients, including auto, homeowners, life, health, and motorcycle insurance. It is an independent agency that represents many different insurance companies throughout Texas, Louisiana, Arkansas, and Oklahoma. Its coverage options include collision coverage that insures against vehicle loss or damage, liability coverage that pays for damage to others and their property, medical coverage, personal injury protection, and uninsured motorist coverage.

6969 Gulf Freeway 200A, Houston, TX 77087
WebsiteLicense: 2129389

Expertise.com Rating

Review Sources

Google
5.0 (186)

Why choose this provider?

UNO Insurance is a risk management specialist that serves the Greater Houston area. Its team of independent agents furnishes car insurance policies that cover losses from theft along with bodily injuries and property damage caused by an uninsured driver. They also help clients add and remove vehicles and drivers to existing plans. They have access to policies from numerous providers, including Progressive, Infinity, and Foremost. In addition to auto protection plans, UNO Insurance offers home and business insurance policies.

  • Multiple Carriers

13920 Osprey Ct Ste B, Webster, TX 77598

Expertise.com Rating

Review Sources

Facebook
4.9 (64)
Google
4.8 (63)
Yelp
5.0 (8)

Why choose this provider?

Established in 1990 in Webster, Texas, Henrich Insurance Group provides automobile insurance for individuals and businesses throughout the Houston metro and south Texas area. President and owner Billy G. Henrich and his team, who have over 50 years of combined insurance experience, utilize multiple carriers to locate the best options and rates for drivers of all ages. The Henrich Insurance Group also sells watercraft, boat, recreational vehicle, and motorcycle insurance.

1414 S. Loop W Suite 140, Houston, TX 77054
WebsiteLicense: 2390225

Expertise.com Rating

Review Sources

Google
3.7 (6)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

The Brandy Jackson Agency is a company that offers car insurance to residents of Houston. It offers commercial auto and classic car insurance plans. The company provides a broad range of other insurance products for individuals and businesses. These include life, health, workers' compensation, home, watercraft, and renters' insurance. It also offers builders' risk coverage and business owner policies. The professionals at the agency have more than 10 years of combined experience in the insurance industry.

  • Multiple Carriers

313 Rankin Rd, Suite B, Houston, TX 77073

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (4)

Why choose this provider?

All About Insurance by Sunya Rachell Insurance, LLC, serves the needs of residents in and around Houston. The independent agency provides a range of products, including coverage for cars, motorcycles, off-road vehicles, trailers, and RVs. It offers comprehensive auto insurance protection, including bodily injury, property damage, and uninsured motorists coverage. Policy options for boats and personal watercraft are also available. In addition, the company caters to businesses in the area by delivering commercial trucking insurance.

  • Multiple Carriers

7555 Bellaire Blvd, Ste 100, Houston, TX 77036

Expertise.com Rating

Review Sources

Google
3.9 (16)
Facebook
5.0 (11)
Yelp
1.0 (1)

Why choose this provider?

Amco Auto Insurance caters to individuals and families in Houston and nearby locations. It provides an array of personal insurance plans that include car policies. The independent company furnishes comprehensive, collision, bodily injury and property damage liability, personal injury protection, and uninsured or underinsured motorist coverages. Its agents help policyholders file claims to secure reimbursements. They also process motorcycle, flood, and homeowners' insurance. Amco Auto Insurance has been in the industry for over three decades.

  • Motorcyle & ATV

708 Sul Ross St, Houston, TX 77006

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Established in 1940, The Nitsche Group offers auto insurance services to all residents of Texas. Its main office is in Giddings, Texas, with branches spread throughout the state in cities such as Houston, La Grange, and San Antonio. Priding itself on building personalized auto insurance based on each customer's individual needs, the company offers packages that cover property damage, personal injury, and vehicle theft. The Nitsche Group also provides umbrella, recreation, life, and farm and ranch insurance policies.

FM529 @ Highway 6 Suite 300, Houston, TX 77095
WebsiteLicense: 1660283

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Kearns Insurance is an agency that provides services in the Houston metro and the surrounding communities. It caters to individuals and families, helping them acquire personal protection plans. The company offers car insurance policies, which include collision and comprehensive coverages, and produces an auto glass replacement program. It also furnishes homeowners', boat, umbrella, flood, and pet insurance. In addition, Kearns Insurance furnishes commercial plans, such as business liability, personal injury, workers' compensation, and equipment breakdown coverages.

  • Motorcyle & ATV

3401 Louisiana Street, Suite 330, Houston, TX 77002
WebsiteLicense: 729892

Expertise.com Rating

Review Sources

Google
4.9 (247)
Facebook
5.0 (23)
Yelp
4.0 (7)

Why choose this provider?

David Cohen is a Houston-based insurance agent, who is affiliated with State Farm. Included in his product offerings is auto insurance, which covers losses resulting from collisions, theft, vandalism, and fire. He also furnishes car protection plans that help pay for lost income and medical expenses in case the insured driver obtains injuries in an accident caused by an uninsured motorist. Cohen has been a State Farm agent for over three decades. He can communicate with clients in Spanish.

  • Multiple Carriers

10777 Westheimer Rd Ste 300, Houston, TX 77042

Expertise.com Rating

Why choose this provider?

Founded in 1998, the Chicago-based HUB International Limited offers insurance solutions at six locations in the Houston, Texas, area. The full-service global insurance broker provides auto insurance specialization among its extensive coverage list. Its agents evaluate the client's specific auto needs then a match is made with the provider who offers the most comprehensive service. Considerations for auto insurance coverage include minimum liability requirements, deductibles, uninsured motorists, and the replacement value of the vehicle.

5225 Katy Fwy Suite 260, Houston, TX 77007
WebsiteLicense: 2099724

Expertise.com Rating

Review Sources

Google
5.0 (126)
Facebook
5.0 (23)
Yelp
4.5 (9)

Why choose this provider?

Andrew Graesser is an insurance specialist who serves the Houston area and nearby locations. He helps individuals and families achieve financial protection by providing them with various personal insurance policies. He offers car insurance, which includes collision, comprehensive, uninsured or underinsured motorist, and liability coverage. The agent also assists clients in obtaining insurance plans for motorcycles, homes, health, and pets. Graesser has been a part of State Farm for more than 15 years.

  • Bundling Option

2100 Travis St #650, Houston, TX 77002

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

Premium is a company that serves individuals and families in the Houston metro and the surrounding areas. It mainly provides auto, life, health, and home insurance products. Its team of experts also conducts tax preparation services, guiding clients on how to manage their financial needs. The business has an online portal where customers can access files and make appointments. Its owner, Roberto Ignacio Coello, has been in the tax and insurance sector for more than 17 years.

  • Multiple Carriers

4295 San Felipe Street, Suite 340, Houston, TX 77027
WebsiteLicense: 2544035

Expertise.com Rating

Review Sources

Google
4.9 (55)
Yelp
5.0 (9)
Facebook
5.0 (5)

Why choose this provider?

Will Davis is a State Farm agent offering insurance products to residents in the Houston metro and its neighboring communities. He provides a range of vehicle insurance policies, including cars, RVs, motorcycles, boats, and Powersports. Davis helps individuals understand the package's coverage and policy terms to help them decide which suits their needs. He also helps clients avoid making mistakes on insurance applications. Will Davis had a career in finance before becoming a State Farm agent.

  • Motorcyle & ATV

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
AKG Insurance Agency
Firemark Insurance Agency
11111 Katy Freeway, Suite 450, Houston, TX 77079
AAIGOT Insurance Agency, Inc. & Tax Services
6633 Hillcroft Ave, Suite 101, Houston, TX 77081
Linda Nguyen
8200 S. Main St. Suite 700, Houston, TX 77025
Gibson Insurance Agency
3880 Greenhouse Rd Ste 202, Houston, TX 77084
Universal Auto Insurance
2811 Airline Dr, Suite #4, Houston, TX 77009
TWFG Insurance Services
18477 W Lake Houston Pkwy Ste 30, Humble, TX 77346
The Vanguard Agency​
2190 N Loop W Suite 102, Houston, TX 77018
Spring Insurance Agency, Inc.
6605 Cypresswood Dr Ste 400, Spring, TX 77379
UNO Insurance
6969 Gulf Freeway 200A, Houston, TX 77087
HIG - Henrich Insurance Group
13920 Osprey Ct Ste B, Webster, TX 77598
The Brandy Jackson Agency
1414 S. Loop W Suite 140, Houston, TX 77054
All About Insurance by Sunya Rachell Insurance, LLC
313 Rankin Rd, Suite B, Houston, TX 77073
Amco Auto Insurance
7555 Bellaire Blvd, Ste 100, Houston, TX 77036
The Nitsche Group
708 Sul Ross St, Houston, TX 77006
Kearns Insurance
FM529 @ Highway 6 Suite 300, Houston, TX 77095
David Cohen
3401 Louisiana Street, Suite 330, Houston, TX 77002
HUB International Limited
10777 Westheimer Rd Ste 300, Houston, TX 77042
Andrew Graesser
5225 Katy Fwy Suite 260, Houston, TX 77007
Premium
2100 Travis St #650, Houston, TX 77002
Will Davis
4295 San Felipe Street, Suite 340, Houston, TX 77027

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Why is it necessary to have car insurance in Houston?

    It is important to have car insurance in Houston because drivers need to provide proof of insurance once they register their cars, get car inspections, are pulled over by law enforcement, and complete certain transactions for their driver's license. In Texas, driving without insurance may result to large a large fine of up to $1,000.

  • If you are under 25 years old, can you get good car insurance in Houston?

    Yes, if you are under 25 years old, you can still get affordable and reliable car insurance in Houston. Both teen and adult drivers can purchase the same types of insurance coverage. They are legally required to have auto liability insurance, which can protect them from financial losses in case they have caused an accident. They also need to have collision, comprehensive, and uninsured motorist coverage.

  • What factors affect car insurance premiums in Houston?

    In Houston, car insurance premiums depend on the type of vehicle and its safety features. Vehicle owners and drivers might pay higher insurance rates if they use their cars more often and there are high accident and auto theft rates within their area. However, they can lower their insurance premiums if they buy their policy upfront.

  • What car insurance policies are required in Houston?

    Vehicle owners and drivers in Houston are required to have liability limits of at least 30/60/25. They need to have $30,000 of bodily injury for each person and $60,000 per accident. They also have to have $25,000 of property damage liability per accident. Through these policies, they can be protected from large out-of-pocket expenses in case they have caused an accident.

  • In Houston, does car insurance cover tire blowouts?

    It depends on the situation. Car insurance can cover tire blowouts if someone or a guardrail slashes the tire and someone steals your car and leaves tire damage. Collision and comprehensive coverage can pay for the repair and replacement cost of blown tires. However, car insurance cannot cover the damage if the tire is already old and you run over a sharp object on the road.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.