Cheap Car Insurance in Pecos, TX
Everything You Need To Know About Auto Insurance in Texas
Located in Reeves County, Texas, the town of Pecos was established in 1881 as a cow camp and is famous for its frequent rodeos that started on July 4, 1883. As home to the Texas Rodeo Hall of Fame and where the average household has three vehicles, it’s clear Pecos residents love driving their cars as much as they love driving their horses and cattle.
Texas requires residents to carry auto coverage to drive legally. If you’re caught driving without car insurance in Texas, you may receive a fine of up to $350 for a first offense plus a $250 driver’s license surcharge for three years. Keep reading for more information about car policies in Texas, including monthly premiums and how they’re determined.
How Much Does Car Insurance Cost in Pecos, Texas?
The average cost of liability car insurance in Pecos, Texas, is $36 a month, while full coverage is about $152 a month. This compares to the national monthly average of $48 for liability and $147 for full coverage.
What Does Full vs. Minimum Mean?
Temperatures in this city sometimes reach 107 degrees, which makes a great impression on the taste of Pecos cantaloupes but may lead to impatient drivers. That’s why it’s important to have good insurance. Full coverage includes compensation for damage and medical expenses you suffer in an accident and comprehensive coverage, which reimburses you for damage or loss in non-accident circumstances, such as a fire or vandalism.
Liability is the minimum coverage Texas requires and covers damage and medical costs you cause others when an accident is your fault, but it does not cover your own expenses.
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Affordable Car Insurance Rates Comparison by Cities in Texas
The chart below shows what Pecos residents pay for their average monthly premiums compared to residents in other Texas locales:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Pecos | $152 | $36 |
| Houston | $208 | $124 |
| Austin | $207 | $92 |
| San Antonio | $199 | $119 |
| Fort Worth | $183 | $110 |
Affordable Pecos Car Insurance Rates by Zip Code
While some zip codes have higher accident and theft rates than others — which is why your zip code can be a factor in determining your rates — Pecos has just one zip code. Lower risk means lower rates.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 79772 | $137 | $68 |
Low-Cost Car Insurance Rates by Age in Pecos
Your age can be a determining factor in your rates. Younger drivers generally pay more as they are more prone to engage in risky behavior, such as not wearing their seat belts or using a cell phone while driving.
Your rates can decrease with experience into your 20s if you maintain a driving record free of tickets and accidents. As you reach age 65, your rates may increase as statistics show your risk of an accident increases with changes in vision and reaction time.
The average monthly insurance premium for Pecos residents broken down by age range is as follows:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $506 | $141 |
| 20s | $176 | $43 |
| 30s | $146 | $34 |
| 40s | $140 | $34 |
| 50s | $128 | $32 |
| 60s | $135 | $36 |
| 70s | $161 | $47 |
*Methodology: We used the following demographic to determine the average monthly premiums for Pecos residents: a 30-year-old male carrying the state’s minimum liability requirements and the state’s full coverage requirements. Premiums vary due to factors such as age, deductible amount, liability limits, discount program eligibility, type of car, and more.
Driving Conditions in Pecos
How Many Fatal Accidents Happen in Pecos?
There were three fatal accidents in Pecos in 2022.
How Are the Road Infrastructure and Bridges in Pecos?
The Pecos Public Works Department maintains the town’s streets and infrastructure to keep its visitors and almost 13,000 citizens safe.
US-285 crosses Interstate 20 through Pecos — the Texas Department of Transportation is working on a relief route to ease traffic and improve driver safety.
Minimum Car Insurance Requirements in Pecos
Pecos drivers are required to have the following minimum liability coverage:
- Bodily injury per person: $30,000
- Bodily injury per accident: $60,000
- Property damage: $25,000
Remember that this Texas state-required minimum only applies to injuries and damage you cause others in an at-fault accident.
To cover your own damage and injuries, you will need collision insurance. Comprehensive covers non-accident damage and loss, such as from vandalism and theft. Full coverage includes all three types of insurance.
What Are the Penalties for Driving Without Insurance in Pecos, Texas?
Getting caught driving without insurance in Texas brings a number of penalties. You may experience the following consequences:
- Vehicle impoundment (and daily holding fees)
- Up to six months in jail when there has been an accident
- License suspension
- Vehicle registration suspension
- SR-22 requirement
If you’re caught and ticketed for driving without insurance, Texas mandates the SR-22 requirement for two years. This increases your rates and makes it difficult to find an insurer willing to cover you.
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Factors Allowed in Pecos Car Insurance Rates
Underwriters consider several factors when determining your premiums in Pecos, Texas. These include but are not limited to:
- Your age
- Motor vehicle type and age
- Claims history
- Driving record
- Deductible amount
- Coverage amount
- Your home zip code
You can lower your rates in a number of ways, such as by passing a defensive or safe driving course.
If you have sufficient funds to cover emergency expenses an unexpected event like theft or an accident might bring, you can increase your deductible to earn a discount. Adding safety equipment such as a LoJack to track your car if stolen can also lower your rates. About 2% of Pecos residents work from home and can enjoy lower rates as a result of their lower mileage.
Here’s What You Need to Know When Driving in Texas
With millions of people visiting Texas and bringing added traffic each year, it’s important to follow the rules of the road to ensure a safe drive to your destination.
Some common reasons for car accidents in Texas are speeding, tailgating, failing to yield, and driving while under the influence of alcohol. Texas also prohibits drivers from sending or receiving electronic messages while driving, which can cause distracted driving.
If you are involved in an accident, the first thing to do is to check affected parties for injuries. If possible, move your car out of the way, then exchange names and phone numbers with those involved, including witnesses. Exchange insurance information. Call the police if there is an injury, the vehicle can’t be moved, or if you suspect the other driver is under the influence, has no insurance, or tries to leave the scene. Call your insurance company right away.
What Are the Best Discounts for Car Insurance in Pecos, TX?
You may save money on your premiums by qualifying for one or more discounts. These include:
Insurers enjoy rewarding you for such things as maintaining a safe driving record, which usually includes no tickets over the past three to five years.
If you keep more than one car at your home address, insuring them all through the same carrier can save you between 10% and 25% off your premiums.
Get an Online Quote for Car Insurance in Pecos Today!
If you’re one of the Pecos residents who spend an average of 40 minutes commuting alone to work each day, be sure you’re protected with the right policy.
The Freeway Insurance agents are experts at finding the cheapest car insurance in Pecos. It’s easy to get started with a quick quote online, with a friendly agent at our Pecos office, or through a phone call at (800) 777-5620.