Cheap Car Insurance in Uvalde, TX
Everything You Need to Know About Auto Insurance in Texas
Established in 1856, Uvalde, ranked as the sixth largest producer of honey in 2021. Residents enjoy bird watching, hiking, and biking at the 25-acre Cook’s Slough Nature Park and community and children’s theater and other live performances in the historic Janey Slaughter-Briscoe Grand Opera House. The city, located at the junction of US-90 and US-83, has about 15,000 residents.
Make sure you’re protected with the best auto coverage before you face traffic on either of the local highways that cross through Uvalde. Residents are legally required to have liability car insurance in Texas. This protection can help save you from paying big bills if you cause an auto accident. Read more to find out about policy limits, the average cost of a policy in Uvalde, and ways to save money on your coverage.
How Much Does Car Insurance Cost in Uvalde, Texas?
Uvalde, Texas, residents can expect to pay about $40 a month for liability coverage, and about $155 a month for full coverage. The national monthly average is $48 for liability and $147 for full coverage.
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What Does Full vs. Minimum Mean?
Minimum car insurance refers to the Texas-mandated liability coverage that pays for property damage and medical expenses you cause someone else (up to policy limits) in an accident that’s your fault. Full coverage covers your vehicle damage and medical expenses, as well as lost wages.
Imagine you’re out cruising along North Getty Street, and you come to the busy Main Street intersection when someone ignores the flashing yellow arrow and turns left in front of you, causing an accident. In this case, the other driver’s liability protection should cover your damages. But if the other driver’s insurance company disagrees that it was their fault or if that driver is uninsured, you can file a claim with your own insurance company — if you have collision coverage.
Full coverage includes towing and labor coverage for that tow home or to a local garage. It also includes rental reimbursement coverage to get you back on the road after the crash while you’re waiting for your car repairs or replacement.
Affordable Car Insurance Rates Comparison by Cities in Texas
Uvalde residents pay slightly lower rates than residents in some other Texas cities, as shown in the chart below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Uvalde | $155 | $40 |
| San Antonio | $165 | $53 |
| Dallas | $192 | $58 |
| Corpus Christi | $162 | $55 |
| Houston | $201 | $63 |
Affordable Uvalde Car Insurance Rates by Zip Code
Residents in areas with high vehicle theft and insurance claim rates can expect to pay more for their coverage.
Uvalde, Texas, has just one zip code with the following average rates:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 78801 | $155 | $40 |
Low-Cost Car Insurance Rates by Age in Uvalde
Drivers in their teens and those in their 70s are in the higher insurance-rate brackets, although the reasons are slightly different. Teen drivers have less driving experience, while many drivers in their 70s experience changes in vision, coordination, and flexibility, leading to decreased reaction time. These factors can all add up to an increased risk of auto accidents. See the chart below for the average rates for Uvalde residents broken down by age range:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $506 | $141 |
| 20s | $176 | $43 |
| 30s | $155 | $40 |
| 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 Uvalde 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 Uvalde
How Many Fatal Accidents Happen in Uvalde?
There were two fatal accidents in Uvalde in 2022.
How Are the Road Infrastructure and Bridges in Uvalde?
The City of Uvalde Street Department cleans, maintains, and repairs the city’s 76 miles of streets. Maintenance workers also perform street sweeping and grass mowing around city streets for traveler safety. Uvalde’s main roads are well maintained with little sign of worn asphalt in the way of cracking and potholes. Some residential roads show wear in the form of cracked asphalt.
The Texas Department of Transportation (TxDOT) runs a Rural Transportation Improvement Program through which Uvalde area lane expansion and road improvements are slated to run from 2025 to 2028.
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Minimum Car Insurance Requirements in Uvalde
Texas requires its residents to carry the minimum following protection:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability
This coverage pays for damage you cause — up to these policy’s limits — in a crash. If you cause an accident with expenses over these amounts, you’ll have to pay the remainder out of pocket.
You’ll also have to pay for your own property damage and medical expenses unless you have the appropriate insurance to cover it, including:
- Collision: Covers your vehicle damage
- Personal injury protection: Covers medical bills and lost wages (may also cover funeral expenses)
If you purchase a car with an auto loan, your lender will most likely require full coverage. Ask your agent for details.
What Are the Penalties for Driving Without Insurance in Uvalde, Texas?
You might not expect a day of shopping on North Getty Street to end in a car crash. Even worse, you might not imagine the at-fault driver would be uninsured or even leave the scene without exchanging information. But things don’t always go as planned.
If you are the uninsured driver in this scenario — and a police officer catches you — you’ll be faced with a number of possible consequences, including:
- Fines of up to $1,000
- Vehicle impoundment (and fees)
- License suspension
- Vehicle registration suspension
- License reinstatement fee
- SR-22 requirement for up to two years
- Jail time (when there has been an accident)
You might think you have better things to do with your money than spend it on car insurance. But that little investment can save you a lot of money and trouble in the long run.
Factors Allowed in Uvalde Car Insurance Rates
Insurance agents review various factors when figuring out your premium, including:
- Your age
- Your profession
- Where you live
- Vehicle make and model
- Vehicle age
- Credit score
One of the main factors in determining your rates is your driving record. If you have a clean record, this will work in your favor. If you’ve been ticketed for speeding, reckless driving, a DWI/DUI, or had an at-fault accident, your rates will most likely be higher than if you had no violations.
What Happens If I Damage Property?
If you cause a car crash, there are some steps to follow:
- Make sure everyone is okay.
- If there are no injuries and it’s a minor fender bender, pull your car out of the way of traffic.
- Turn on your hazard lights and set up emergency flares behind your car to warn oncoming traffic.
- If there are injuries, call the police (and get a copy of the police report).
- If your car is undrivable, the police will call a tow truck.
- Obtain the other driver’s information.
- Talk to witnesses and get their contact information.
- Take photos.
- Write down what happened (time of day, weather, location, and sequence of events).
- Call your insurance company.
If the property you damage is stationary, such as a fence, mailbox, house, or place of business, you’ll need to locate the property owner. If you can’t find the home or business owner, take photos and leave a note describing what happened and include your contact information. Contact your insurance company right away before leaving the scene. Your property damage liability coverage should cover the expenses.
What Are the Best Discounts for Car Insurance in Uvalde, TX?
Some non-behavior-based factors affect the auto policy rates of all drivers. When the cost to repair or replace a vehicle or healthcare costs increase, expect insurance rates to climb.
This is where discounts can make a big difference. Ask your agent if you qualify for any of the following:
Agents also consider how many miles you drive per year. If you only use your car for an occasional errand, chances are good the agent will give you a lower rate than if you had a daily commute.
If you’ve had insurance for a while and your circumstances have changed, such as moving to an area with lower auto accident and insurance claim rates, you may be eligible for a lower premium.
Get an Online Quote for Car Insurance in Uvalde Today!
Statistics show that about 14% of Lone Star State residents are uninsured and at risk of serious penalties, including a dent in their bank account if they cause a car crash. Be sure you’re one of the 86% protected with good auto coverage.
Find the cheapest car insurance in Uvalde by visiting the helpful Freeway Insurance agents. It’s easy! You can fill out a form for a quick quote online, stop by our Uvalde office, or give us a call at (800) 777-5620.