Cheap Car Insurance in Palestine, TX
Everything You Need to Know About Auto Insurance in Texas
Palestine is a charming city located in East Texas. The downtown area has many historic buildings and landmarks that offer a glimpse into the past, and locals and visitors love taking scenic train rides through the scenic Piney Woods region on the Texas State Railroad. In addition, many enjoy cultural attractions like the Museum for East Texas Culture, with exhibits and artifacts that show the area’s history. Nature lovers can explore Davey Dogwood Park, famous for its dogwood trees, or take a stroll along the Neches River.
As you explore the beautiful streets or embark on a journey to nearby attractions in Palestine, it’s important to remember that all motorists must have Texas auto coverage to protect themselves and their vehicles from the unexpected in downtown Palestine or traveling on highways like Loop 256 to neighboring East Texas communities. With the right policy, you’ll have peace of mind knowing you’re taken care of on any road in Palestine.
How Much Does Car Insurance Cost in Palestine, Texas?
People in Palestine pay around $600 per year for the state minimum required liability insurance. Thus, premiums in Palestine are $35 more than the annual Texas amount of $565 and $144 less than the national mean of $744.
Full coverage auto insurance costs approximately $1,824 a year for Palestine motorists—$195 less than Texas’s average of $2,019 and $720 less than the nation’s, which is $2,544.
What Does Full vs. Minimum Mean?
There are a few distinctions between full auto coverage and minimum liability auto insurance. Full auto protection usually includes liability, collision, and comprehensive car insurance coverage benefits. You can buy these as add-ons separately, but buying a plan like this ensures you meet state mandates and receive more support while saving more money.
State-required minimum liability pays for harm and injuries you cause to others in an accident where you are at fault, up to your terms and conditions limits. In Texas, liability must be in all auto policies.
Collision protection pays for your repairs due to a wreck with another sedan, SUV, or object, regardless of fault, up to your plan’s maximums. It’s worth having comprehensive coverage in Texas to protect you against common occurrences, like hailstorms and animal collisions, also up to your policy’s max limits.
Opting for more coverage can provide you with the peace of mind that you are fully protected in any scenario. While state liability-only plans may meet legal requirements and offer some financial support, it is always wise to consider the potential expenses that may arise from an accident. By investing in comprehensive coverage, you can rest assured that you are prepared for any situation that may come your way.
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Affordable Car Insurance Rates Comparison by Cities in Texas
This chart shows how much motorists in Palestine pay compared to residents in other Texas regions.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Palestine | $152 | $50 |
| Brownwood | $152 | $45 |
| Groves | $168 | $63 |
| Huntington | $159 | $55 |
| Kennedale | $157 | $58 |
Affordable Palestine Car Insurance Rates by Zip Code
Your zip code is used by insurance companies to help determine the cost of your policy. This is because your zip code reveals important information about the area where you live, such as the frequency of claims, local repair costs, and the risk of fraudulent claims. Areas with higher risk factors will generally result in more expensive premiums than areas with less risk.
| Zip code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 75801 | $152 | $50 |
| 75802 | $152 | $50 |
| 75803 | $151 | $50 |
Low-Cost Car Insurance Rates by Age in Palestine
While it may be tough to find, cheap auto policies exist for young drivers. People under 25 and over 60 are the most expensive age group for providers to insure due to statistical risks like engaging in unsafe behaviors on the road or decreased eyesight as you age. Because carriers take on more of a potential burden, premiums will be higher.
As you gain more experience behind the wheel and practice good driving habits, your premiums will usually decrease until you reach your 60s. This chart lists the typical monthly auto payments in Palestine based on age.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $495 | $174 |
| 20s | $217 | $71 |
| 30s | $146 | $48 |
| 40s | $140 | $48 |
| 50s | $129 | $46 |
| 60s | $138 | $51 |
| 70s | $147 | $56 |
We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.
Driving Conditions in Palestine
How Many Fatal Accidents Happen in Palestine?
According to the National Highway Traffic Safety Administration, Palestine experiences an average of two to three fatal automobile crashes every year. NHTSA statistics show that between 2012 and 2022, most years only had one to three fatalities, and a few outlying years had five or seven causalities.
Palestine is a small town, so you likely personally understand the impact of these statistics. That’s why you need auto protection that is there for you when you need it most.
How Are the Road Infrastructure and Bridges in Palestine?
The American Society of Civil Engineers has a committee of 28 civil engineer volunteers from all over the country. They evaluate and share data about the infrastructure of every state by assigning grades based on specific criteria. Texas was given a “C” grade by the ASCE in 2021. This was due to the need for improved maintenance projects on bridges, roads, and other areas. Despite the challenges, Texas is working hard to improve its infrastructure. Government officials are working on solutions to accommodate the state’s growing population while also addressing climate change concerns.
Minimum Car Insurance Requirements in Palestine
Minimum liability mandates in Palestine, and all other Texas cities, have the same requirements for liability protection, including:
- Coverage for bodily injury and death liability insurance per party involved and per accident, with a minimum of $30,000 per party and $60,000 per incident
- Coverage for property damage liability, with a minimum of $25,000 per incident
What Are the Penalties for Driving Without Insurance in Palestine, Texas?
Texas takes driving without coverage very seriously. If you get pulled over and cannot show documentation of your policy, you can face many financial and legal consequences, including the following:
- One-time fines as much as $350 for your first offense, and as much as $1,000 for additional offenses
- Annual fees for three years for a driver’s license surcharge of $250
- Suspension of your license and vehicle registration and an SR-22 insurance requirement
These penalties aren’t worth the risk, so it’s wise to always have proof of your plan available in case you get pulled over and avoid any headaches.
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Factors Allowed in Palestine Car Insurance Rates
Underwriters use many characteristics to determine how much your premiums will cost. Even your deductible amount has an impact. Generally, lower deductibles have higher premiums, and higher deductibles have lower premiums.
While many variables affect your pricing, make sure to ask your provider about their offerings to lower your rates, like bundling multiple policies or qualifying for discounts. Below are other qualities insurers take into consideration:
- Whether you had a clean driving record over the past few years.
- Whether you are single, married, divorced, or widowed.
- What kind of vehicle you drive, like an SUV or sedan, or a luxury or American-made brand.
- Whether you are male or female.
What Happens if I Damage Property?
Damage is almost inevitable in any accident, so it’s important to have benefits beyond the bare minimum, like collision auto insurance, or others that do not come with a standard auto package.
In Texas, you need property damage protection to pay for repairs to other parties’ property, but not your own, up to your plan’s maximum limits. Given the limitations of these policies, it’s a good idea to have additional coverage, such as collision.
Collision pays for your damages if you are involved in an accident with another vehicle on Spring or Main Streets in downtown Palestine, or if you hit an object, regardless of who is at fault. Collision pays for the repairs for you and the other driver, up to your policy’s limits.
Regardless of the extent of protection you choose, it’s best to work with a reliable provider who can help find the best solution for you.
What Are the Best Discounts for Car Insurance in Palestine, TX?
It’s easy to find auto policy discounts because most providers have several ways to help you save money. Sometimes, you can qualify for more than one discount that can help you reduce your monthly bill even more.
Below are some of the savings Palestine residents enjoy:
If you have more than one kind of plan with an insurer, like for renters and auto protection, you can qualify for multi-policy insurance discount. Rather than paying for each of your premiums separately, you’ll pay less overall and can save up to 5%-10%.
Get an Online Quote for Car Insurance in Palestine Today!
Whether you like shopping at the East Texas at the Palestine Farmers Market or exploring the natural beauty of the Piney Woods, Palestine’s small-town feel has so much to offer. All Texas drivers need auto coverage that meets local requirements, and Freeway Insurance has the products you need at affordable prices. Visit us online to learn more about all our offerings and discounts, visit the Texas office nearest you, or call 800 777-5620 to speak with one of our friendly, knowledgeable agents.