Everblue / Auto
Auto insurance · Houston, Texas
Car insurance for Houston roads.
Long commutes, busy highways, hail, and high water. Your auto policy should be built for all of it.
Get a quoteWhy it matters
Texas sets minimum liability limits for drivers, but the minimum is built to make you legal, not to protect your savings after a serious accident. Medical bills and vehicle costs climb quickly, and anything above your limits can become your responsibility.
Shauna reviews how you and your household actually drive, compares options, and helps you decide where higher limits are worth it and where you can save. She can also look at bundling your auto and home coverage together.
Liability
Pays for injuries and damage you cause to others. Texas requires at least 30/60/25.
Uninsured / underinsured motorist
Protects you when the other driver has no insurance or not enough of it.
Personal injury protection (PIP)
Helps with medical bills and lost wages for you and your passengers, regardless of fault.
Collision
Repairs your vehicle after an accident with another car or object.
Comprehensive
Covers hail, flood, theft, fallen trees, and other non-collision damage.
Local detail
Why Houston drivers should look past the minimum
Minimums run out fast
The Texas minimum of $30,000 per person, $60,000 per accident, and $25,000 property damage can be used up by a single hospital stay or a newer vehicle.
Hail and high water
Both are covered by comprehensive, not collision. If you drop comprehensive to save money, a single storm can total your car with nothing paid.
Uninsured drivers
Uninsured motorist coverage matters in a large metro with heavy traffic. It is easy to add and easy to overlook.
Common questions
What is the minimum car insurance in Texas?
Texas requires liability limits of at least $30,000 per injured person, $60,000 per accident, and $25,000 for property damage, often written as 30/60/25.
Does car insurance cover hail damage?
Yes, if you carry comprehensive coverage. Liability-only policies do not pay for damage to your own vehicle.
Can I bundle home and auto?
Often, yes. Bundling can lower the total cost and simplify renewals, but it is worth comparing against separate policies too.
Start here
Let’s talk about your coverage.
Tell us a little about what you need. Shauna responds personally, usually within a few hours.