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Cheap Car Insurance in Alice, TX

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Everything You Need to Know About Auto Insurance in Texas

Founded in 1888, the 130-year-old, 12-square-mile city known as Alice, Texas has more than 19,000 residents. Alice is known for its agricultural significance, vibrant community, and accessibility to the natural beauty of South Texas.

One of the most well-known locals in Alice was Freddy Fender, a Tejano music legend. Fender grew up in Alice during his early years before his career took him elsewhere, but he maintained a deep connection with his hometown.

“Alice, Texas holds memories that shaped my musical journey, reflecting the warmth of the people and the soul of this community,” Fender shared about his nostalgia for the area during his formative years in the mid-20th century.

To share in the community’s soul and scenes, all motorists in the Lone State must comply with state-mandated coverage requirements. Continue reading to gain all the insights you need into affordable Texas car insurance.

How Much Does Car Insurance Cost in Alice, Texas?

Alice, Texas drivers pay about $60 per month for state-required minimum liability insurance, which is $13 more than the state average of $47. This rate is about the same as the monthly national average of $62.

Full auto coverage costs Alice residents around $155 per month (similar to the state average of $169 but $57 less than the national average of $212).

What Does Full vs. Minimum Mean?

Auto insurance in Texas comes in two primary forms: full coverage and minimum liability. Each type serves a distinct purpose and provides varying levels of protection for motorists.

Full coverage, often called comprehensive insurance, is a robust insurance package that includes extensive protection like liability, collision, and comprehensive. If you’re at fault in a crash, property damage liability insurance is one part of the coverage your insurance will pay out as part of your basic minimum requirement (the other part being bodily injury liability coverage). These liability coverages are intended to help pay for damages and injuries you cause to others.

Collision pays for repairs or replacement of your vehicle in case of a collision. Comprehensive car insurance protects you from natural disasters as well as non-collision events such as theft and vandalism.

You’ll likely want full coverage if your car is new or has a higher value. However, keep in mind more extensive protection means a higher premium.

On the other hand, minimum liability insurance provides the basic coverage required by law in Texas. Minimum liability coverage helps takes care of bodily injury or death costs such as medical expenses, rehabilitation, and legal fees for others if you’re at fault.

Minimum liability also protects you from property damage. Your insurer kicks in to help pay for the repair or replacement of others’ property damaged where you are at fault. Texas law mandates specific minimum liability coverage limits; you must meet these requirements to operate a vehicle in the state legally.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

This chart shows the average monthly premium rates in Alice compared to other cities across the state.

City Full Coverage Insurance Liability Insurance Coverage
Alice $155 $60
San Antonio $152 $54
Waco $145 $50
Dallas $171 $63
Brownsville $176 $67

Affordable Alice Car Insurance Rates by Zip Code

Several factors, including location, determine your policy’s average car insurance costs. If you live in a place that experiences a lot of traffic and accidents, like a big city, you’ll likely have to pay more than someone who doesn’t drive through as many high-risk areas, like a small town or suburb.

There are only two zip codes in Alice, so residents have those factors in common. Although many other factors will come into play for a final premium cost, the average rates in both of these zip codes are $155 for full coverage and $60 for state-required liability insurance.

Low-Cost Car Insurance Rates by Age in Alice

Your age is also used to calculate your premium. This is important to understand because younger drivers will cost more to protect due to their lack of experience behind the wheel compared to older adults.

This chart lists the monthly rates for full coverage and minimum liability for each motorist age group in Alice.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $518 $218
20s $223 $86
30s $149 $58
40s $144 $58
50s $133 $54
60s $143 $61
70s $153 $67

We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.

Driving Conditions in Alice

How Many Fatal Accidents Happen in Alice?

According to the National Highway Traffic Safety Administration, Alice averages around one to two fatal crashes yearly. NHTSA statistics show that between 2011 and 2021, there were a total of 12 fatalities. Every year had one death, other than 2011 (which had two) and 2018 (which had three).

How Are the Road Infrastructure and Bridges in Alice?

Alice’s Street Services Division oversees and manages the city’s roads. There is a subdivision that handles milling and paving and another for streetscapes, roads, and sidewalks. The local Street Services Division also manages seasonal and sweeping road care and repairs. The Texas State’s Department of Transportation maintains big highways and bridges.

Minimum Car Insurance Requirements in Alice

Texas law outlines the minimum liability requirements in Alice and other cities and towns across the state. A basic liability policy in Texas must provide:

  • A minimum of $30,000 or more for bodily injury/death or death per person involved, with up to $60,000 per crash.
  • A minimum of $25,000 or more for property damage.
  • Uninsured motorist coverage (UM) must be declined in writing.

What Are the Penalties for Driving Without Insurance in Alice, Texas?

In Texas, you are subject to penalties under state law for operating a vehicle without insurance. If you’re pulled over and cannot provide proof of insurance, the state views this as evidence that you failed to maintain your plan, resulting in a class C misdemeanor.

You can receive up to $350 in fines for your first offense and as much as $1,000 for each subsequent offense. In addition, there is a driver’s license surcharge of $250 per year for three years after your first offense, plus an additional $250 a year for three years for subsequent offenses.

If you are a repeat offender, in addition to your fees, your vehicle may be impounded, your license and registration can be suspended, and you can spend up to six months in jail if you’re uninsured.

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Factors Allowed in Alice Car Insurance Rates

Insurance underwriters take a hard look at a variety of factors to determine your rate, even your marital status can have an impact. Believe it or not, car insurance is sometimes higher if you’re single, divorced, or widowed. Other characteristics include:

  • Your age and gender
  • Your driving record
  • The type of vehicle you drive
  • Your job title

What Happens if I Damage Property?

If you cause an accident or back into a fire hydrant or stop sign, your property damage liability will kick in to help pay for the repairs, up to your policy limits.

A full coverage policy will address all your car damage costs, as well. Minimum liability will only cover the property damage you cause others in an at-fault wreck, so you would need to pay out of pocket if the damages exceed the amount.

What Are the Best Discounts for Car Insurance in Alice, TX?

Many auto insurance discounts can help you save, especially if you’re eligible for more than one of them. Don’t forget to check out these other money-saving tips to lower your auto insurance premiums. Some of the most popular car insurance discounts among Alice locals include:

Plus, if you have more than one policy with the same insurer, you can save additional funds. For example, bundling your car coverage with renters or low-cost homeowners insurance can reduce your overall bill by as much as 25%.


Get an Online Quote for Car Insurance in Alice Today!

Watertower: Alice, TX, cheap car insurance in Texas.

The residents of Red Bluff must have an auto insurance policy that fulfills the minimum liability requirement set by California. Freeway Insurance can help you find affordable plans that suit your needs. To get an affordable quote, visit us online, at a California office near you, or give us a ring at 800-777-5620.