Cheap Car Insurance in Sulphur Springs, TX
Everything You Need to Know About Auto Insurance in Texas
Sulphur Springs, located in Northeast Texas, is the seat of Hopkins County. The city, founded in the 1840s with the name Bright Star, was renamed Sulphur Springs in 1871 for its abundance of natural underground springs. The locals marketed Sulphur Springs as a healing center, which attracted many visitors and new residents. The mineral springs led to abundant corn and wheat crops — the city also became a major dairy producer. The springs became inactive in the 20th century. But today, Sulphur Springs is home to nearly 17,000 residents who enjoy fishing and boating on Lake Sulphur Springs, camping at Cooper Lake State Park, and other outdoor activities at any of the town’s parks.
Liability insurance is mandatory for drivers in the Lone Star State. If a police officer catches you driving without car insurance in Texas, you may face penalties, such as fines and potential jail time. Keep reading to learn more about the average cost of a policy in Sulphur Springs and how underwriters come up with these numbers.
How Much Does Car Insurance Cost in Sulphur Springs, Texas?
You’ll probably pay an average of about $116 a month for liability car insurance and $150 for full coverage in Sulphur Springs. The national monthly average is $48 for liability and $147 for full coverage.
What Does Full vs. Minimum Mean?
Minimum liability insurance refers to the state-mandated liability coverage that only pays for damages you cause someone else in an accident that’s your fault. If you don’t have a lot of ready funds to pay for your own vehicle’s repair costs, you might want to consider adding collision coverage.
Another add-on to consider is comprehensive coverage, which protects your vehicle from non-accident events, including natural hazards like auto body damage from hailstones or a tree falling on your car as well as auto theft and vandalism.
Consider adding personal injury protection (PIP) — which pays for medical bills you might incur in an at-fault accident. Also, road assistance coverage is another good option when you’re stranded. And, in Texas, where almost 14% of drivers are uninsured, it’s a good idea to have uninsured/underinsured driver coverage.
Add all these insurance types up, and you get full coverage.
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Affordable Car Insurance Rates Comparison by Cities in Texas
The chart below shows what the average Sulphur Springs resident pays as compared to some other Texas residents:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Sulphur Springs | $150 | $116 |
| Alamo | $150 | $103 |
| Corpus Christi | $132 | $96 |
| Rio Grande City | $243 | $124 |
| Austin | $207 | $92 |
Affordable Sulphur Springs Car Insurance Rates by Zip Code
Agents consider zip code statistics when calculating premiums. If your area has a high number of accidents and auto thefts, your rates will likely be higher.
Sulphur Springs, Texas, has just one zip code with the following average rates:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 75482 | $147 | $39 |
Low-Cost Car Insurance Rates by Age in Sulphur Springs
As new drivers, teens usually expect higher rates for their auto coverage than drivers with more driving experience. A few ways to lower these rates include maintaining a clean driving record and passing a defensive driving course. Some insurers may give a discount for good grades. Driving a car with a good safety rating might also bring you a discount.
Most drivers in their 20s may see their rates decrease, considering they’ve been driving for a while and maintaining a safe driver record. Drivers in their 60s may see a slight rate increase — this is a good time to talk to your agent to see if there is any way to lower your rate.
The below rates are what Sulphur Springs residents can expect to pay 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 Sulphur Springs 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 Sulphur Springs
How Many Fatal Accidents Happen in Sulphur Springs?
There was one fatal accident in Sulphur Springs in 2022.
How Are the Road Infrastructure and Bridges in Sulphur Springs?
While some of Sulphur Springs’ side streets show visible wear in the form of cracked and uneven asphalt, much of Main Street’s surface is smooth with no potholes.
Residents of Sulphur Springs pay a street maintenance fee along with their monthly utility bill, which helps pay for the maintenance of the city’s 92.3 miles of streets. The 2019-2023 Capital Improvement Program covered utility improvements and repair projects for 12 streets, including sections of Highway 11.
Minimum Car Insurance Requirements in Sulphur Springs
In order to drive legally in Texas, Sulphur Springs residents must maintain the following liability insurance:
- Bodily injury per person: $30,000
- Bodily injury per accident: $60,000
- Property damage: $25,000
If you cause a car crash in Texas, this coverage pays for damages up to the policy limits. If expenses exceed these limits, you’ll need to pay out of pocket for the remainder.
This minimum coverage does not pay for your own damage, which is why it’s a good idea to get collision coverage to pay for your vehicle expenses. Consider adding PIP or medical payment coverage to pay for your medical expenses.
What Are the Penalties for Driving Without Insurance in Sulphur Springs, Texas?
About 14% of Texas drivers fit into the category of uninsured motorists. If you get hit by one, you will need your own uninsured/underinsured insurance to cover the damage. And if you are one of those uninsured drivers, you face stiff penalties if you get caught by a police officer, especially if you cause an accident.
These penalties may include:
- Fees of up to $1,000
- Vehicle impoundment (and associated fees)
- Vehicle registration suspension
- License suspension
- SR-22 requirement (and increased premiums)
Jail time is also a possibility if you cause an accident.
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Factors Allowed in Sulphur Springs Car Insurance Rates
One of the most important factors underwriters consider is your driving history. If you’ve had insurance for a while, this can work in your favor as long as you haven’t filed any claims or committed any driving infractions.
Other factors agents consider include:
- Your home zip code
- Vehicle make and model
- Vehicle age
- Your age
- Deductible amount
- Coverage amount
Statistics show that drivers with poor credit pay about 115% more than drivers with good credit. This is because drivers with poor credit are more likely to file insurance claims. One way to potentially lower your rates is to work on improving your credit score by paying your bills on time, refraining from applying for new credit cards, and paying off credit card debt.
Insurance That Helps You Prepare for the Future
If you’ve been working diligently to save money and have a nice chunk of change put away for a big expense, such as a house purchase in Sulphur Springs North, that could all disappear in an instant if you don’t have the right auto coverage.
The Texas-mandated liability insurance is a good start. But if you hit an expensive vehicle, the damage you cause could go beyond the $25,000 property damage policy limit. Plus, if you don’t have collision coverage, you may need your savings to get you back on the road in a repaired or new vehicle. Throw in medical bills, and you may find your bank account back to zero.
It might seem like an unnecessary monthly expense, but that little monthly auto policy investment can add up to a huge return if you have an unexpected vehicle emergency. An insurance agent can help you with your situation so you can feel peace of mind knowing you’re covered.
What Are the Best Discounts for Car Insurance in Sulphur Springs, TX?
Be sure to ask your agent how to save money on your auto policy. Potential car insurance discounts include:
Some discounts rely on your behavior, such as your payment and your driving history. Paying your premiums on time and maintaining a ticket-free driving history shows you are responsible, which may earn you a discount.
Get an Online Quote for Car Insurance in Sulphur Springs Today!
Before you set out for some Texas toast and eggs at your favorite Main Street restaurant, be sure you have the best auto insurance for your protection.
The expert Freeway Insurance agents are here to help you find the cheapest car insurance in Sulphur Springs. You can start with a quick quote online, visit us in person at our Sulphur Springs office, or call us at (800) 777-5620.