Liability
May help pay covered bodily injury or property damage claims when you are legally responsible for an accident.
Explore Auto Liability →Auto Insurance • Houston & Texas
Car Insurance in Houston, TX
Compare car insurance options for Texas drivers, including Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Personal Injury Protection and other available coverages. Golden EPG Group works with 5 auto insurance companies and provides guidance in English and Spanish.
Insurance AgencyLicensed Agents
5 Auto CompaniesAvailability varies by driver and risk
Asesoría en EspañolTe asesoramos paso a paso
5
Auto Insurance Companies
Golden EPG Group currently works with 5 auto insurance companies. Availability varies by driver, vehicle, underwriting, product and state.
20 min
Initial Quote Review
Straightforward requests with complete information may be reviewed in about 20 minutes. Timing is not guaranteed.
6
Core Auto Coverage Areas
Liability, Collision, Comprehensive, UM/UIM, PIP and optional roadside/rental coverages.
Liability • Collision • Comprehensive
Build auto coverage around the vehicle and the way you drive.
Vehicle value, drivers, ZIP code, annual mileage, prior insurance, driving history and selected limits can all affect available auto insurance options.
What does car insurance cover?
Auto insurance can combine several coverages. Liability helps with certain covered injuries or property damage you cause to others. Collision may help repair or replace your covered vehicle after an accident, while Comprehensive may help with covered non-collision losses such as theft, fire, flood or vandalism. Additional options can include UM/UIM, PIP, rental reimbursement and roadside assistance.
Texas reference: Texas Department of Insurance — Auto Insurance Shopping Guide.
Auto Coverage Options
Six coverage areas Texas drivers commonly review.
Your policy can include different combinations of coverage depending on eligibility, insurer rules, vehicle needs and your selections.
Collision
May help repair or replace your covered vehicle after a collision, subject to the deductible and policy terms.
Comprehensive
May help with certain covered non-collision losses such as theft, fire, flood, vandalism or hitting an animal.
Uninsured / Underinsured Motorist
May help when a covered driver who causes an accident has no insurance or not enough insurance, subject to policy terms.
Personal Injury Protection
PIP can help with certain medical expenses, lost wages and other covered nonmedical costs for you and your passengers.
Rental / Roadside Options
Depending on the insurer, optional rental reimbursement, towing or roadside assistance may be available.
Texas Auto Liability
Texas minimum liability limits are commonly written as 30/60/25.
Texas requires drivers to show financial responsibility for accidents they cause. Most drivers satisfy this requirement with auto liability insurance.
Bodily Injury — Per Person
State minimum bodily injury liability for one person, subject to the policy.
Bodily Injury — Per Accident
State minimum total bodily injury liability for one accident, subject to the policy.
Property Damage — Per Accident
State minimum property damage liability for one accident, subject to the policy.
Minimum does not mean maximum.
Higher liability limits may be available and can be considered based on assets, risk tolerance, vehicle use and budget.
Texas Coverage Features
PIP and UM/UIM deserve a closer look.
Texas auto policies include or offer certain protections that drivers should understand before making coverage selections.
Personal Injury Protection (PIP)
Texas auto policies include PIP coverage. If you do not want it, Texas Department of Insurance explains that you must tell the insurance company in writing.
Uninsured / Underinsured Motorist (UM/UIM)
Insurance companies must offer UM/UIM coverage in Texas. If you do not want it, TDI explains that the rejection must be made in writing.
What Affects Price
Auto insurance pricing depends on the driver, vehicle and coverage choices.
Each insurer uses its own underwriting and rating approach, so comparing multiple companies can produce different options.
Drivers & Driving History
Age, license history, accidents, violations and household drivers can affect eligibility and premium.
Vehicle & ZIP Code
Vehicle type, value, repair costs, where the vehicle is garaged and how it is used can influence pricing.
Coverage & Deductibles
Selected liability limits, physical-damage coverages, deductibles and optional protections affect total premium.
Compare Smart
Compare more than the monthly premium.
Texas Department of Insurance recommends comparing rates and policies, asking about discounts, and confirming coverage fits how you use your vehicle.
Compare the Same Limits
Use similar liability limits and deductibles when comparing options so the pricing comparison is meaningful.
Ask About Discounts
Available discounts may include safe-driver, low-mileage, defensive-driving, good-student, automatic-payment or paperless options, depending on the insurer.
Review Exclusions
Make sure the policy fits the way you use the vehicle, including any business use or other underwriting considerations.
Ready to Compare?
Get a car insurance review from a licensed agent.
Tell us about your drivers and vehicles. We can review available options from the insurance companies we work with.
Asesoría en Español
Seguro de auto en Houston explicado paso a paso.
Podemos ayudarte a comparar Liability, Collision, Comprehensive, UM/UIM, PIP y otras opciones disponibles según tu vehículo y perfil de conductor.
✓Revisión de límites de responsabilidad.
✓Opciones para proteger también tu propio vehículo.
✓Comparación entre compañías disponibles.
¿Quieres cotizar tu aseguranza de carro?
Completa la solicitud o llámanos. Precio y elegibilidad dependen de underwriting y del carrier.
Car Insurance FAQ
Common questions from Texas drivers
What car insurance is required in Texas?
Texas law requires drivers to show financial responsibility for accidents they cause. Most people do this by carrying auto liability insurance with at least 30/60/25 limits.
What does liability car insurance cover?
Liability coverage may help pay certain covered bodily injury or property damage claims when you are legally responsible for an auto accident, subject to policy terms and limits.
What is the difference between collision and comprehensive?
Collision coverage may help repair or replace your covered vehicle after an accident. Comprehensive may help with certain covered non-collision losses such as theft, fire, flood, vandalism or hitting an animal.
Does Texas auto insurance include PIP?
Texas Department of Insurance states that Texas auto policies include Personal Injury Protection coverage. If you do not want it, you must tell the insurance company in writing.
Do insurers have to offer uninsured motorist coverage in Texas?
Texas Department of Insurance states that insurance companies must offer uninsured/underinsured motorist coverage. If you do not want it, the rejection must be made in writing.
What affects the price of car insurance?
Price can be affected by drivers, driving history, vehicles, ZIP code, use, selected limits, deductibles, prior insurance and the insurer's underwriting and rating rules.
Can Golden EPG Group help in Spanish?
Yes. Golden EPG Group provides car insurance guidance in English and Spanish through licensed insurance agents.
Houston Insurance Agency
Car insurance guidance in Houston, Texas
Golden EPG Group LLC
6666 Harwin Dr Suite 157
Houston, TX 77036
Insurance Agency • Licensed Agents • 5 Auto Insurance Companies • Asesoría en Español
Car Insurance Houston, TX
Ready to compare auto insurance options?
Tell us about your drivers, vehicles and coverage preferences.
