Cheap Car Insurance in Plainview, TX
Everything You Need to Know About Auto Insurance in Texas
Plainview was founded in 1886 by two settlers, Z. T. Maxwell and Edwin Lowden Lowe, who took up residence in the area and secured a post office in order to establish the town. It was named Plainview because the area is flat and has no trees. Once the railroad began coming through in 1906, the area became an agricultural center, producing corn, millet, vegetables, and wheat, among other foods. By 1910, Plainview’s 3,000 residents enjoyed 90 businesses — and today, the town has approximately 20,000 residents. The Marshall Formby Memorial Highway intersects US-70 through Plainview, making the town easily accessible to larger places, such as Lubbock.
Residents of the Lone Star State must carry liability auto insurance to drive legally. Drivers in Plainview pay more for coverage than the national average due to a higher rate of accidents, auto theft, and natural disasters. If you’re caught driving without car insurance in Texas, you may receive a one-time fine plus a yearly driver’s license surcharge for three years.
How Much Does Car Insurance Cost in Plainview, Texas?
Residents of Plainview, Texas, pay an average of $69 a month for liability car insurance and $207 a month for full coverage. As a comparison, the national monthly average is $62 for liability and $149 for full coverage.
What Does It Mean If Texas Is At-Fault?
Texas is an at-fault state, which means the driver who caused the accident is liable for damages. This means your insurance steps in and helps pays damages, including car or other property repairs, medical bills, and lost wages, on your behalf.
Texas requires drivers to have the following minimum coverage:
- Bodily injury per person: $30,000
- Bodily injury per accident: $60,000
- Property damage per accident: $25,000
If your policy does not cover the total damages, the other party can sue you for the remaining balance.
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Affordable Car Insurance Rates Comparison by Cities in Texas
Plainview residents pay slightly more, on average, for auto insurance than other Texas residents, as shown below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Plainview | $207 | $69 |
| Lubbock | $149 | $113 |
| El Paso | $188 | $70 |
| Santa Fe | $150 | $116 |
| Fort Worth | $183 | $110 |
Affordable Plainview Car Insurance Rates by Zip Code
Factors such as car theft and accident rates are broken down by zip code, which is why your zip code affects your premiums. The higher the theft and accident rates, the higher the premiums. The chart below shows the average monthly cost of auto coverage in the two Plainview zip codes:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 79072 | $158 | $37 |
| 79073 | $158 | $37 |
Low-Cost Car Insurance Rates by Age in Plainview
Teens and new drivers with less experience may fall into the high-risk category and generally pay more for insurance. These drivers tend to have more accidents than experienced drivers. Statistics show teens tend to engage in riskier behavior while behind the wheel — for instance, texting while driving and drinking and driving — which leads to more tickets and accident risk.
Texas requires drivers aged 79 and older to renew their licenses in person. In some cases, these older drivers may also be required to take a vision test and submit to a medical examination.
For these reasons, Plainview insurance premiums depend, in part, upon a driver’s age:
| 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 Plainview residents: a 30-year-old male carrying the state’s minimum liability and 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 Plainview
How Many Fatal Accidents Happen in Plainview?
There were two fatal accidents in Plainview in 2022.
How Are the Road Infrastructure and Bridges in Plainview?
The city of Plainview Street and Traffic Department maintains the city’s 120.6 miles of streets, including street and traffic services. In comparison, the Texas Department of Transportation (TxDOT) maintains the 80,000 miles of Texas roads, including the highways that run through Plainview — U.S. Highway 87 and I-27 and its bridges.
The TxDOT completes maintenance, such as repairing concrete guardrails, joints, and decks, on the area’s bridges to increase road safety. Maintain extra caution while driving through areas with road maintenance, especially where there are lane closures and detours.
Minimum Car Insurance Requirements in Plainview
Texas drivers, including those in Plainview, are required to have the following minimum liability insurance coverage:
- Bodily injury per person: $30,000
- Bodily injury per accident: $60,000
- Property damage: $25,000
These limits apply to damage you cause others in an accident. At-fault drivers with only liability coverage are responsible for paying out of pocket for their repairs and medical bills.
Bumping your coverage up to a full policy covers your expenses in an accident and non-accident occurrences, such as theft or tornado damage, after your deductible has been met.
What Are the Penalties for Driving Without Insurance in Plainview, Texas?
If you’re caught driving without insurance in Plainview, Texas, you may suffer serious consequences, including:
- License suspension
- Up to six months in jail (in cases with an accident)
- Car registration suspension
- Vehicle impoundment (and associated fees)
If you lose your license, you may need an SR-22 to have it reinstated. Texas requires the SR-22 for two years — and having one can make finding affordable insurance difficult.
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Factors Allowed in Plainview Car Insurance Rates
Plainview, Texas, insurance agents consider a number of factors when coming up with a premium, including:
- Residential zip code
- Amount of deductible
- Amount of coverage
- Your age
- Your motor vehicle’s age
- Your car’s make and model
- Number of miles you drive in a given period
Your driving record may be the most important factor in determining your insurance rate. If your history on the road includes tickets, accidents, or DUIs, your rates will likely be higher than those of someone with a clean driving record.
Plainview, Texas, agents may be able to help you find lower rates if you perform a number of tasks, such as adding safety or anti-theft features to your car (like a steering wheel lock), taking and successfully passing a safe driving course, and decreasing your mileage.
Here’s What You Need to Know When Driving in Texas
Research shows about 3,000 fatalities in Texas every year. TxDOT urges drivers to follow the rules of the road to protect themselves from becoming a statistic.
Be aware of weather conditions and adjust your speed accordingly — sun and heat can cause irritated drivers, overheated engines, and hinder visibility while driving under bridges. In the winter, there’s an increased risk of your car skidding on ice. Flash flooding can cause serious road hazards — avoid driving through flooded areas; just six inches of water can take control of your car. If you’re caught in a hailstorm, pull over, preferably in a covered area, to avoid vehicle damage until it passes. When there’s a tornado watch, stay off the road. If you’ve experienced damage to your vehicle from any of these conditions, call your insurance company right away.
What Are the Best Discounts for Car Insurance in Plainview, TX?
There are several discounts that may lower your insurance rates, including:
Bundling your policies with one agency may save you up to 15% off your bill. If you need coverage for multiple vehicles or you need two types of coverage, such as car and homeowners coverage, you can save on your monthly premiums.
Get an Online Quote for Car Insurance in Plainview Today!
As a Plainview resident who commutes about 18 minutes each way every day or enjoys driving to places like Lakeside Park on your day off, isn’t it time you protect yourself with good car insurance?
Freeway Insurance agents are ready to find you the cheapest car insurance in Plainview. You can easily get started with a quick quote online, talk to a helpful agent at our Plainview office, or give us a call at (800) 777-5620.