Huntsville, TX Car Insurance Quotes
Compare liability-only and full coverage car insurance for Huntsville and Walker County drivers, from a first car at Sam Houston State to the family trucks. We have access to hundreds of insurance companies and quote by phone or online.
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Liability or full coverage?
Liability pays for what you do to other people and their property, not for your own car. Full coverage adds collision and comprehensive, and in Huntsville it is worth pricing for a car financed at an I-45 dealership, where the lender will require both, or one kept in an SHSU lot, where campus rules leave theft and damage to the owner.
At the 30/60/25 liability level, 31 companies gave TDI yearly sample rates from $330 to $2,996 for one Huntsville driver. At 100/300/100, 28 companies ran $426 to $3,824. These are the companies’ estimates on TDI’s HelpInsure tool, not quotes, and we can price both for you side by side.
- Huntsville 77340$330 to $2,996, middle $946
- Huntsville 77340$408 to $3,336, middle $1,045
- Huntsville 77340$426 to $3,824, middle $1,136
A quote with your own drivers and cars gives the real number.
Get a car insurance quoteHuntsville driving, by the numbers
What state and federal records show for Huntsville and Walker County.
1,005 crashes in Huntsville
TxDOT counted 1,005 crashes inside the city in 2025, 10 of them fatal. Walker County had 1,511, and 7 of its 21 fatal crashes were on I-45.
9.7% with no matching insurance record
On August 31, 2026, TexasSure, the state’s insurance check, found no matching insurance record for 9.7 percent of Walker County’s registered vehicles (12.1 percent across Texas). The count includes some vehicles insured on commercial policies or self-insured, so it is not an uninsured rate.
$408 to $3,336 a year
The yearly sample rates 28 companies gave the Texas Department of Insurance for one Huntsville driver in ZIP 77340: married, 25 to 64, average credit, a clean record and 50/100/50 liability. The middle rate was $1,045. These are the companies’ estimates on TDI’s HelpInsure tool, effective June 1, 2025, not quotes.
42 vehicle thefts
Huntsville police reported 42 motor vehicle thefts for 2025 to the Texas Department of Public Safety.
What Huntsville’s numbers mean for your policy
Limits above the minimum
Huntsville had 23 crashes with suspected serious injuries in 2025, and one serious crash can cost more than 30/60/25 pays. For the same sample driver, the middle sample rate was $946 a year at 30/60/25, rising to $1,136 at 100/300/100. Texas coverage levels, explained
Hail on Walker County cars
Walker County saw hail 1.75 inches or larger on 4 days from 2016 to 2025, and 3.5-inch hail on April 18, 2020. Hail damage to your own car falls under comprehensive.
More than one company
For the same sample driver, the highest yearly rate was more than eight times the lowest. We have access to hundreds of insurance companies, so we can shop your drivers and cars with more than one.
Taking a car to Sam Houston State
Steven, Craig and Luther Stover are all Sam Houston State alumni. If a student’s car will spend the school year in Huntsville, tell the insurance company: TDI’s auto guide ties a car’s rate to the place it is usually kept, so the same car can price differently in ZIP 77340 than at home.
Some companies require you to keep young drivers on your policy while they are away at school, according to TDI. TDI’s auto guide names no age, 25 or otherwise, for leaving a parent’s policy.
SHSU Parking and Transportation sells the permits for campus lots. Its rules say SHSU is not responsible for theft or damage to a parked vehicle, so on a car kept at school, theft and hail fall to comprehensive.
Ask about a good student discount, too. Each company decides which discounts it offers.
Buying a car in Huntsville
Huntsville’s new-car dealerships, including Bill Fick Ford, Huntsville Toyota, Wiesner of Huntsville and Wischnewsky Dodge, sit along I-45, and the dealer files the title and registration on a car sold there. Buying from a private seller in Walker County instead:
- Take the title to the Walker County Tax Office, 1301 Sam Houston Ave, Suite 100, to transfer it and register the car. Bring proof of insurance.
- For a replacement title or a title history, the nearest TxDMV regional center is Houston North, 2110 East Governors Circle in Houston, (713) 316-6100.
Huntsville resources for drivers
Huntsville car insurance questions
How much does car insurance cost in Huntsville, TX?
For one sample driver in ZIP 77340 at 50/100/50 liability, 28 companies gave TDI’s HelpInsure tool yearly rates from $408 to $3,336, effective June 1, 2025, and the middle was $1,045. Those are the companies’ estimates, not quotes. Your drivers, your cars and where they are parked set the real price.
How much is liability insurance in Huntsville, TX?
For one driver in ZIP 77340, the Texas minimum of 30/60/25 drew yearly sample rates of $330 to $2,996 from 31 companies, with $946 in the middle. The figures come from TDI’s HelpInsure tool, took effect June 1, 2025, and are estimates, not quotes.
Where do I register a car in Walker County, TX?
At the Walker County Tax Office, 1301 Sam Houston Ave, Suite 100, in Huntsville, (936) 436-4950. Bring proof of insurance; registration offices check it against state records through TexasSure.
How do I get a crash report in Huntsville, TX?
For a crash inside the city, Huntsville police point you to TxDOT’s crash report purchase site, where you search by the crash date and a driver’s name. TxDOT charges $6 a copy, or $8 certified. For a crash on I-45, contact DPS.
How many fatal crashes were on I-45 in Walker County, TX?
Seven of the county’s 21 fatal crashes in 2025 were on I-45, and 8 people died in them, according to TxDOT. Huntsville itself had 10 fatal crashes that year.
Do I need a permit to park a car at Sam Houston State?
Yes, for campus lots. SHSU Parking and Transportation sells annual e-permits that run August to August and are tied to the license plate, or you can pay by the hour at garage kiosks or by app.
Where these figures come from:
- Huntsville’s 1,005 crashes: TxDOT 2025 crashes and injuries by city and town, page 20 (PDF) (opens in a new tab)
- Walker County’s 1,511 crashes: TxDOT 2025 crashes and injuries by county, page 9 (PDF) (opens in a new tab)
- Walker County fatal crashes on I-45: TxDOT 2025 fatal crashes by county and road type, page 6 (PDF) (opens in a new tab)
- Walker County’s 9.7 percent: TexasSure unmatched vehicle registrations by county, August 31, 2026, page 3 (PDF) (opens in a new tab)
- ZIP 77340 sample rates: TDI’s HelpInsure auto rate comparison for a married man 25 to 64, average credit, driving to work, no accident or ticket in 3 years (opens in a new tab)
- What a HelpInsure sample rate is: TDI’s HelpInsure questions (opens in a new tab)
- Huntsville police auto thefts: DPS 2025 index crimes by agency and county (Excel), Walker County sheet (opens in a new tab)
- Walker County hail, 2016 to 2025: NOAA Storm Events Database (opens in a new tab)
- Where a car is kept and young drivers at school: TDI’s auto insurance guide (opens in a new tab)
- Dealers filing title and registration: TxDMV on House Bill 718 (opens in a new tab)
- Proof of insurance at registration: TxDMV, registering a vehicle (opens in a new tab)
Crash counts are TxDOT reports processed by April 7, 2026. Rates, crash, theft and hail figures were read October 29, 2026; offices, dealerships and links were checked November 9, 2026.
Get a car insurance quote in Huntsville
Tell us who drives, what you drive and where the cars are kept, at home or at SHSU. A licensed agent shops your coverage with more than one company and goes over the limits and deductibles with you.