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Cheap Car Insurance in Big Spring, TX

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Everything You Need to Know About Auto Insurance in Texas

Big Spring stands as a historical city in Texas with a rich legacy spanning over 140 years. More than 28,000 residents call this 20-square-mile city home, surrounded by the scenic landscapes that contribute to the area’s allure. Visitors head to Big Spring throughout the year to experience its hospitality, and to explore one of its biggest attractions, the Hangar 25 Air Museum.

Esteemed actor Tommy Lee Jones is one famous resident of Big Spring. Jones loved the warmth of the community and always maintained his connection with Big Spring, even after he left to pursue his career.

All drivers in historical Big Spring must meet state-mandated insurance requirements. Continue on to learn more about Texas car insurance, average rates based on age and zip code, and how these numbers compare to the rest of the nation.

How Much Does Car Insurance Cost in Big Spring, Texas?

Annual car insurance premiums in Big Spring average around $564 for state required minimum liability auto insurance, which is the same as the state average. This area of Texas pays less than the national average of $744, with a difference of $180.

Full auto coverage averages around $1,812 annually for Big Spring residents, which is less than the state average of $2,019. These prices are also $732 less than the national average of $2,544.

What Does it Mean if Texas Is an At-Fault State?

An at-fault state is one where if you cause an accident, you are financially responsible for all the losses and damages, including medical treatment for anyone who was hurt, funeral expenses of anyone who is killed, and crash-related property damage.

There are a few nuances to these regulations in Texas. First, state law mandates that you have liability coverage so you have the financial means to cover the costs of damages if you are found responsible. State minimum liability requirements are designed so there is enough financial protection if you are at-fault.

Second, when you are at-fault, your insurance company typically handles the claims process. This involves reviewing the damages, determining liability, and managing settlements with affected parties. If you are not at fault, you can file a claim with the at-fault driver’s insurer to seek compensation for your losses.

Texas’ laws emphasize protecting everyone on the road, but it’s important that you have a plan that will protect you in all circumstances.

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Affordable Car Insurance Rates Comparison by Cities in Texas

Below are the monthly premiums in Big Spring compared to other cities across the state.

City Full Coverage Insurance Liability Insurance Coverage
Big Spring $151 $47
University Park $174 $64
Lake Jackson $154 $56
Houston $215 $80
Waco $165 $59

Affordable Big Spring Car Insurance Rates by Zip Code

Your premium prices are determined by a few factors, including where you live and how often you are driving daily in rush hour traffic. If you drive frequently in a city with lots of traffic or accidents, you’ll likely have to pay more than someone who lives in less-congested suburbs or a rural area.

There are two zip codes in Big Spring, and all residents pay about $151 per month for full auto coverage and $47 per month for state-required liability.

Low-Cost Car Insurance Rates by Age in Big Spring

Your age is another factor insurers use for premium pricing. If you are looking for the best car insurance for young drivers, you need to know that they are more expensive to protect because they are considered high-risk. In other words, they don’t have as much driving experience compared to older adults, and as a collective group, they are responsible for more claims than more mature drivers.

Here’s how much Big Spring motorists pay each month for their automobile policy based on their age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $480 $167
20s $214 $67
30s $145 $46
40s $139 $46
50s $128 $43
60s $136 $48
70s $144 $53

Our city and zip code average rates are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Texas. In addition to age, your rates will be determined by several other factors, including your gender and the type of coverage you want to purchase.

Driving Conditions in Big Spring

How Many Fatal Accidents Happen in Big Spring?

According to the National Highway Traffic Safety Administration, Big Spring averages between three and four fatal crashes every year, but these numbers tend to fluctuate. NHTSA statistics show that between 2011 and 2021, there were a total of 36 fatalities. The year with the highest number of fatalities was 2020 (five deaths), and the fewest amount was in 2011 (one death).

How Are the Road Infrastructure and Bridges in Big Spring?

Big Spring has a Street Services Division that oversees and maintains city streets. This area handles milling and paving for streetscapes, roads, and sidewalks, as well as plowing, roadside sweeping, repairs, and post-storm cleanup. Texas’ Department of Transportation manages the state’s major highways and bridges.

Minimum Car Insurance Requirements in Big Spring

Texas law delineates the minimum liability requirements for motorists across the state, including Big Spring. In this state, a basic liability plan must have:

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

Drivers are subject to penalties under state law for operating a vehicle without coverage in Texas. If you don’t show proof of car insurance and are pulled over, the legal system defines this as failing to maintain protection, which is a class C misdemeanor.

You can receive fines up to $350 for your first offense, and up to $1,000 for each additional offense. You can also get an annual driver’s license surcharge of $250 for three years after your first offense, and $250 annually for three years for subsequent offense.

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Factors Allowed in Big Spring Car Insurance Rates

In addition to your age and location, insurers look at several other factors when they calculate your premium, like:

What Happens if I Damage Property?

If you collide with another car, or hit a fire hydrant after accidentally stepping on the accelerator, your policy will cover the repair costs, depending on how much damage you caused.

Be mindful that a full coverage policy will financially address all damages for your vehicle and any other property, but minimum liability will only cover property damage. You’ll need to pay out of pocket if damages exceed the amount to repair your vehicle.

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

Auto insurance discounts can help you save money on your monthly car insurance bills. Plus, if you’re eligible for several of them, it lowers how much you pay even more. Below are examples of car insurance discounts in Big Spring:

Bundling your policies with the same insurer can also lower your bills. If you have an auto policy and add renters or homeowners insurance, you can reduce your overall bills by as much as 25%.


Get an Online Quote for Car Insurance in Big Spring Today!

A close up of a wild longhorn bull standing in grassy field near Big Spring, cheap car insurance in Texas.

Big Spring, Texas residents are required to have a car insurance plan that meets the state’s minimum liability mandate. Freeway Insurance can help you find the coverage you need at affordable prices.

To learn more, explore Freeway’s website, drop by one of our conveniently located Freeway offices in Texas, or connect with us by calling (800) 777-5620.