Cheap Car Insurance in Snyder, TX
Everything You Need to Know About Auto Insurance in Texas
About 11,000 people live in Snyder, Texas, located in Scurry County and 87 miles southeast of Lubbock. The town, founded in 1882, served as an agricultural and ranching community until 1948, when oil became the focus after its discovery in Canyon Reef north of town, which attracted new residents. The population plateaued in 1951. While there is still oil production in the area, cotton and ranching are a large part of the community.
Snyder residents must carry car insurance to legally drive, as mandated by the state. Keep reading to learn whether Texas is an at-fault state, factors agents consider when determining rates, how to get discounts, and more.
How Much Does Car Insurance Cost in Snyder, Texas?
Residents in Snyder can expect to pay about $116 a month for liability car insurance and about $150 a month for full coverage. The national monthly average is about $48 for liability and $147 for full coverage.
What Does It Mean If Texas Is an At-Fault State?
Say you were changing lanes on US-84 and didn’t see that car in the lane next to you. You’ve caused an accident. Now what?
When you cause a car crash in Texas, you are at fault and financially responsible for the damage you’ve caused the other party. Your liability coverage will kick in and cover costs for property damage, medical bills, and lost wages the other party suffers up to your policy’s limits.
But liability does not cover your own damage.
If you have full coverage, your insurer will pay for your damages after your deductible has been met — up to your policy’s limits.
If your policy does not cover all the expenses caused by this accident, you will be on the hook for paying out of pocket for the rest.
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Affordable Car Insurance Rates Comparison by Cities in Texas
Snyder, Texas, residents pay slightly less for full coverage but similar rates for liability auto insurance as compared to residents of other areas in Texas:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Snyder | $150 | $116 |
| Fort Worth | $183 | $110 |
| Houston | $208 | $124 |
| Austin | $207 | $92 |
| San Antonio | $199 | $119 |
Affordable Snyder Car Insurance Rates by Zip Code
Agents compare auto theft and insurance claim rates in different zip codes when figuring out your premiums — the higher these rates, the higher your rates.
There is one just zip code in Snyder, Texas:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 79549 | $152 | $36 |
Low-Cost Car Insurance Rates by Age in Snyder
Studies show teens are about five times more likely to crash, with about 9% of car crashes involving a teenage driver, ages 16 to 19. About 30% of fatal accidents involving drivers aged 15 to 20 include driving under the influence. At the other end of the spectrum, people aged 60 to 69 have the lowest crash rate and are considered the safest drivers. Agents consider these statistics when coming up with premiums. Snyder residents can expect to pay the following rates at each age shown below:
| 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 Snyder 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 Snyder
How Many Fatal Accidents Happen in Snyder?
There were no fatal accidents in Snyder in 2022.
How Are the Road Infrastructure and Bridges in Snyder?
With the goal of providing a safe environment for Snyder residents and visitors, the City of Snyder Street Department maintains the city’s paved and unpaved streets and alleys, including street sweeping and making and maintaining street signs.
Snyder is located at the junction of U.S. Highways 84 and 180, both of which the Texas Department of Transportation maintains.
Minimum Car Insurance Requirements in Snyder
The Lone Star State requires all residents to have the minimum liability insurance to cover medical bills and property damage expenses you cause others in an at-fault accident. The required policy limits are as follows:
- Bodily injury per person: $30,000
- Bodily injury per accident: $60,000
- Property damage: $25,000
Texas reported about 15,000 serious car crashes in 2022. Given this statistic, consider adding collision coverage to pay for your own property damage and medical expenses in case of an unexpected collision.
Adding comprehensive coverage will protect you when your vehicle is damaged by the area’s increased extreme weather, such as hailstorms and hurricanes, or by occurrences such as fire or auto theft.
What Are the Penalties for Driving Without Insurance in Snyder, Texas?
About 12-20% of drivers who live in Texas are uninsured. Driving without insurance in Texas is against the law and can lead to serious penalties if you are caught, including:
- Impoundment of your vehicle
- Suspension of your vehicle registration
- Suspension of your driver’s license
- Jail time (when there has been an accident)
Even if you’re just taking a break from paying for insurance, getting caught driving without it can cost you a lot more in the long run. Along with all the potential fees, you may be labeled a high-risk driver and have difficulty finding insurance — and when you do, you’ll most likely pay increased premiums and need to file an SR-22 certificate for two years.
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Factors Allowed in Snyder Car Insurance Rates
Snyder insurance agents may consider the information below when coming up with your quote:
- Driving record
- Claims history
- Your age
- Motor vehicle type and age
- Whether your car is leased, financed, or owned
- Car insurance history
- The number of miles you drive
- Your home zip code
You can also adjust your deductible and coverage to save on your premiums. Consider how such a change will affect you in the long run if you have to pay out of pocket for accident expenses.
What Happens If I Damage Property?
The property damage portion of your Texas-mandated liability coverage pays for damage you cause to someone else’s property, whether it’s a car, structure, fence, mailbox, or some other property. In any accident, take photos of the damage from multiple angles and locate witnesses.
If you hit someone else’s unattended property, such as a parked car, it is your duty under Texas state law to locate the property owner and then give them your contact information. If you are unable to find the owner, you must leave your contact information on a note attached to the property. Call the police to file an accident report.
In the case of a structure, such as a house, locate the property owner and give them your name, phone number, and insurance information. Your coverage will take care of expenses up to your limits ($25,000 if you have the state-mandated minimum).
What Are the Best Discounts for Car Insurance in Snyder, TX?
Snyder underwriters look at a number of factors to see if you qualify for discounts — here are some possibilities:
Bundling means covering more than one car with one carrier or buying auto insurance and another type of coverage (e.g., homeowners, renters, motorcycle) with one carrier. Depending on the types of insurance you are bundling, this can save you between 5% and 15%.
Get an Online Quote for Car Insurance in Snyder Today!
Before you spend another day traveling your 17-minute daily commute or heading out for a relaxing weekend at the Sam Wahl Recreation Area, protect yourself with good insurance.
The helpful agents at Freeway Insurance can find you the cheapest car insurance in Snyder. Start by filling out a form for a quick quote online, speak with a friendly agent at our Snyder office, or give us a call at (800) 777-5620.