Cheap Car Insurance in Raymondville, TX
Everything You Need to Know About Auto Insurance in Texas
Raymondville, Texas, established in 1904 and known as the Gateway to the Rio Grande Valley, offers visitors and its about 10,000 residents a semi-tropical climate and an agricultural focus. Its proximity to the area’s lakes means easy access to swimming, boating, bird watching, hiking, and other outdoor activities. Raymondville is about 50 miles from the border of Mexico.
You’re required to carry car insurance in Texas to drive legally. So make sure you have a good auto policy before you hop on the highway to one of these destinations. Penalties for driving without coverage can add up to hefty fines and more expensive insurance rates. Read on to learn more.
How Much Does Car Insurance Cost in Raymondville, Texas?
Raymondville residents can expect to pay an average of $116 a month for liability car insurance and about $150 for full coverage. The national monthly average is $48 for liability and $147 for full coverage.
What Does Full vs. Minimum Mean?
Make sure you understand your policy before taking on State Highway 186 during rush hour.
If your policy states you have only liability insurance, that means your policy only covers damage (up to your policy limits) to other people in a car crash that’s your fault. You’ll have to pay for your own property damage and medical bills out of pocket. Plus, if your liability isn’t enough to cover damage, you’ll need to cover the rest from your own funds.
If your policy includes collision coverage, your policy will cover your property damage and medical bills up to your policy’s limits. And if you also have comprehensive coverage, you’ll be covered in situations like fire damage, theft, vandalism, or auto body damage from sudden bad weather such as a hailstorm.
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Affordable Car Insurance Rates Comparison by Cities in Texas
The below chart shows what other Texas residents paid as compared to Raymondville residents:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Raymondville | $150 | $116 |
| Alamo | $150 | $103 |
| El Paso | $188 | $77 |
| Austin | $207 | $92 |
| Corpus Christi | $132 | $96 |
Affordable Raymondville Car Insurance Rates by Zip Code
Agents consider crime rates, such as vandalism, auto theft, and accidents, when determining premiums. If you live in a zip code with higher crime and claim rates, your insurance rates will likely be higher.
Raymondville residents can expect to pay around the following rates in the town’s single zip code:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 78580 | $172 | $50 |
Low-Cost Car Insurance Rates by Age in Raymondville
The median age of the average Raymondville resident is in the mid-30s. If you are in this age range, started driving in your teens, and have a good driving record, you may have noticed a slight decrease in your insurance rates.
Teenage drivers have the highest rates due to lack of driving experience, and statistics show that teens are the most likely to participate in hazardous behavior, such as driving under the influence and texting while driving, which means they are more likely to have accidents.
As a Raymondville resident, you can expect the following average auto insurance rates in each age range:
| 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 Raymondville 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 Raymondville
How Many Fatal Accidents Happen in Raymondville?
There was one fatal accident in Raymondville in 2022.
How Are the Road Infrastructure and Bridges in Raymondville?
Raymondville is composed of 3.8 square acres. The town’s well-maintained streets have no signs of potholes, and the street signs are visible without blockage.
Raymondville sits at the intersection of State Highways 448 and 186, maintained by the Texas Department of Transportation.
Minimum Car Insurance Requirements in Raymondville
Some Lone Star State residents think a car accident can never happen to them — until it does. That’s why having the minimum liability coverage may seem like an unnecessary expense. But you’ll be glad you have it the moment you back into a car that zipped behind you from out of nowhere on W Hidalgo Avenue.
Drivers in Raymondville must have the following state-mandated liability auto coverage:
- $30,000 of bodily injury per person
- $60,000 of bodily injury per accident
- $25,000 of property damage
This required minimum coverage will take care of property damage and medical bills you cause someone else in an accident that’s your fault.
Even better, make sure your own damages are covered by purchasing collision (for accident damage) and comprehensive (for non-accident damage or loss). This full coverage will protect you if you’re the one getting backed into, even by an uninsured driver.
What Are the Penalties for Driving Without Insurance in Raymondville, Texas?
If you’re caught driving uninsured in Raymondville, you may experience the following consequences:
- Fines of up to $1,000
- License suspension
- Vehicle registration suspension
- Vehicle impoundment (and daily fees)
- Possible jail time (depending on the circumstances)
- SR-22 requirement
An SR-22 is a Certificate of Financial Responsibility that proves you’re insured and financially responsible if you cause an accident. The insurance connected to an SR-22 generally costs more than rates for a driver with a clean driving record.
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Factors Allowed in Raymondville Car Insurance Rates
It’s a good idea to have the following information handy for your insurance agent when you’re asking about an auto policy in Raymondville:
- Claims history
- Driving record
- Residence zip code
- Number of miles you drive
- Your age
- Motor vehicle type and age
You can lower your monthly rates by selecting a higher deductible, but this means you’ll have to pay more out of pocket in the case of an accident.
Here’s What You Need to Know When Driving in Texas
Statistics show there was one reportable crash every 57 seconds and a fatality involving a car crash every 1 hour and 59 minutes in 2022 in Texas. Almost 52,000 of those fatalities happened in rural areas in Texas. These accidents also added up to 244,337 injured people that same year.
With these statistics in mind, it’s important to be extra vigilant while driving. Here are some tips to help you do so:
- Cell phones: It’s illegal to use a cell phone while driving in Texas. You’ll need to pull off the road entirely before talking or texting on your cell phone.
- Speed limits: In some rural areas, speed limits are as high as 85 miles per hour. Be sure to read the signs and stay aware of changing speed limits.
- Toll roads: There are about 30 toll roads throughout Texas. If you find yourself on one, don’t panic. You can pay the toll later through the TxTag website. Be sure to pay on time to avoid additional fees.
- Weather: The weather can vary from one part of the state to another with temperatures sometimes reaching into the low 100s. Hurricanes, tornadoes, thunderstorms, and other extreme weather can make driving dangerous. Get off the road as soon as possible if you find yourself in extreme weather.
Remember to also follow the other rules of the road to keep yourself safe. Having good insurance can help give you peace of mind, knowing that you’ll be protected in case of an unforeseen event on the road.
What Are the Best Discounts for Car Insurance in Raymondville, TX?
There are a number of discounts that can help you save money on car insurance rates if you qualify. These include:
If you’re a student with good grades (often a B average), you may qualify for an additional discount.
Maintaining a claim-free and ticket-free driving record is another way to save on your policy. You may be able to save up to 30% with this discount. Ask your insurance agent about the specifics.
Get an Online Quote for Car Insurance in Raymondville Today!
If you travel almost 18 minutes to work every day like many other Raymondville residents, you can rest assured that with good car insurance, you’ll be protected in case of an unexpected vehicle emergency.
Looking for the best and cheapest car insurance in Raymondville? Look no more. The Freeway Insurance agents can help you find the right policy for your needs. Just fill out a quick quote online, speak with a friendly agent in person at our Raymondville office, or give us a call at (800) 777-5620.