Katy has 25,184 residents in 7,942 households. We list 128 agencies for auto insurance in Katy. Here is what the local numbers say about the cover people here need.

Katy at a glance

128auto insurance agencies listed
19.3%of households rentRenters insurance
$401,700median home valueHome insurance
2003median year homes were builtRebuild cost calculator
2.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Harris County

FEMA rates the overall natural hazard risk in Harris County, where most Katy agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Katy
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Katy
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Katy
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Katy
Ice stormVery High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Katy How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Katy agencies work with

Of the 128 Katy agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

GEICO61 agencies
Progressive59 agencies
Homeowners of America51 agencies
Porch50 agencies
Old American46 agencies
Infinity45 agencies
GAINSCO44 agencies
Home State40 agencies
National General40 agencies
Incline38 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Katy agencies are

Katy agencies we list sit in 6 ZIP codes, mostly in Harris County.

7749447 agencies
7744937 agencies
7745022 agencies
7749318 agencies
774923 agencies
774911 agency

Questions

Auto insurance in Katy

All insurance agencies in Katy · Auto insurance across Texas

Where can I find auto insurance in Katy?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Which insurance companies do Katy agencies work with?

Among the 128 Katy agencies whose appointments we hold, the companies they are most often appointed with are GEICO (61), Progressive (59), Homeowners of America (51), Porch (50), Old American (46). An appointed agency can quote that company's policies.

Do I need flood insurance in Katy?

FEMA's National Risk Index rates inland flooding risk in Harris County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Auto insurance near Katy

For insurance agencies

Is your Katy agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing