Whether your insurance rates will go up after a car accident in Houston depends on the details of the accident, your driving history, and your insurance provider's policies. If you were not at fault and the other driver's insurance covers the damages, your rates may not increase. However, if you were at fault or the damages exceed a certain threshold, your rates could increase. It's best to contact your insurance company directly to understand how the accident may impact your rates and what options are available to you.