Cheap Car Insurance in Vernon, TX

Vernon, Texas, the county seat of Wilbarger County, was incorporated in 1889. By 1892, Vernon offered its growing population of 3,500 a streetcar, ice factories, flour mills, a fire department, and three newspapers. Today, its population of almost 11,000 enjoys such activities as hiking, camping, rodeos, and classic car shows. The city sits east of the Pease River, and Highways 70, 183, 283, and 287 all cross through Vernon.

Before you head out on one of these local highways, be sure you have a good auto policy. Vernon residents must carry auto insurance to drive legally. Driving without car insurance in Texas may bring you a fine of up to $350 for a first offense plus a three-year $250 driver’s license surcharge. To learn about additional penalties for driving uninsured, how to get discounts, and the average policy cost for a number of age ranges, keep reading.

As a Vernon, Texas, resident, you can expect to pay about $36 a month for liability car insurance and about $148 for full coverage. As a comparison, the national monthly average is $48 for liability and $147 for full coverage.

Reason Why Insurance Is So Expensive in Texas

A ranking of the states with the worst drivers placed Texas in the number three spot. Texas received this award due to the number of fatal crashes that occurred due to DUI, drowsy or distracted drivers, and drivers ignoring traffic rules such as traffic signals and speed limits. Statistics showed Texas had the second-highest number of fatal car crashes involving a drunk driver and the 10th-highest number for both distracted and disobedient drivers.

These statistics mean higher risk for insurance companies and, therefore, higher rates.

You can make yourself stand out from these other drivers in Vernon by maintaining a clean driving record, including no tickets, which may help you find a cheaper policy.

How Many Fatal Accidents Happen in Vernon?

There were no fatal accidents in Vernon in 2022.

How Are the Road Infrastructure and Bridges in Vernon?

Vernon’s well-maintained streets have no sign of potholes, and the street signs are clearly visible.

Vernon’s Street Department maintains the area’s roads, including street and pothole patching, grading and leveling unpaved streets, keeping streets clean, cleaning neglected property, and installing and maintaining street signs.

Vernon citizens may report potholes on local highways through the Texas Department of Transportation’s TxDOT system.

As a Vernon resident, you must have the following state-mandated liability coverage to drive legally:

You might think, since you haven’t been driving much, that skipping a few months of your car insurance payments won’t hurt. But then, when you’re running a quick errand, cruising down Texas Street, you get pulled over for a busted taillight. And your secret is out.

Getting caught driving without auto coverage in Vernon can easily undo all that money you thought you’d save by skipping your payments. You could be subject to:

If you think you’ll get lower rates because you’ve been driving for 25 years and you’re in your 40s, you might be right. Age is just one of the factors underwriters review when figuring out your premiums. Other factors include:

The title of “new driver” earns you the title of “inexperienced driver.” Drivers with less experience, such as teenagers, are more likely to have car accidents and file claims, so they generally pay more for their coverage.

It’s much cheaper for you to add your teenager to your own car policy (especially if you have a good driving history) than to buy them their own, which can cost over three times as much. However, since their risk of having an accident is greater, if that happens, it can raise the rates you pay for your own policy.

Successfully passing a defensive driving course can decrease teens’ risk of having an accident, which may also decrease their insurance rates. Teens who drive a less expensive and safe car that’s cheaper to fix may also receive lower premiums.