Auto Insurance in Houston, TX

Texas follows an at-fault system, meaning the driver responsible for an accident is financially liable for the other party’s damages. To comply with state law, drivers must be able to prove they are financially responsible for accidents they may cause. Many Texans do this by purchasing minimum amounts of auto liability insurance.

Many drivers carry higher liability limits or add other types of coverage to address a broader range of risks.

Factors That Shape Coverage Decisions

Texas drivers often base their insurance decisions on the type of vehicle, frequency of use and comfort with risk.

Weather also influences drivers’ decisions about coverage. Texas is known for its unpredictable storms, hail and occasional flooding, which can impact insurance decisions. While liability coverage covers damage to others, it does not apply to damage to the policyholder’s vehicle. Comprehensive insurance can help cover non-collision-related damage.

Collision insurance can help repair or replace the insured vehicle after an accident, regardless of fault.

Learn More

Auto insurance is highly customizable, so working with a local agent familiar with Texas laws and the risks you may face as a driver is essential.

Astro Insurance Agency can help explain your auto insurance options and design coverage to meet your unique needs. Contact us today to learn more about how auto insurance can provide financial protection and get a quote.