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Cheap Car Insurance in Bonham, TX

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Everything You Need to Know About Auto Insurance in Texas

Bonham, Texas was founded in 1837. This 9-square-mile historical city has gracefully aged over 185 years and has a population of over 10,000 residents. Bonham embodies the charm of small-town Texas and is recognized for its scenic beauty and historic sites, like the Sam Rayburn House Museum and Bonham State Park.

While Bonham may be modest in size, it carries the legacy of notable individuals, including the renowned American aviator and war hero, Audie Murphy. Audie Murphy was the most decorated combat soldier of World War II and once called Bonham home. Despite Murphy’s later ventures, he retained a deep connection to the area: “Bonham will forever be a part of me; its serene landscapes and resilient spirit influenced my journey in ways words can’t capture.”

Auto insurance policies provide you financial protection and ensure you are compliant with local laws. Keep reading to learn more about the specifics of the Texas car insurance landscape, including coverage options, state-mandated requirements, and insights into average monthly prices based on age and zip code.

How Much Does Car Insurance Cost in Bonham, Texas?

According to state-by-state car minimum insurance requirements, Bonham drivers pay around $600 per year for state required minimum liability insurance. This annual amount is $55 more than the state average of $565, but $144 less than the national average of $744.

Full auto coverage for people in Bonham is about $1,812 per year, which is $207 less than the state average of $2,019, and $732 less than the national average of $2,544.

What Does Full vs. Minimum Mean?

There are two types of car insurance in Texas – full coverage and minimum liability – and both serve a purpose and provide you with varying levels of protection.

Full coverage, also known as comprehensive insurance, is a robust package with multiple types of protection, like liability, collision, and comprehensive.

Liability covers expenses for others if you’re at fault in an accident, like those for bodily injury and property damage. Collision takes care of repairs or replacement of your vehicle, and comprehensive protects you from non-collision circumstances like theft, vandalism, or natural disasters. If your car is new or has a higher value, you’ll want full coverage or comprehensive protection, although more extensive plans have higher premiums.

Separately, minimum liability provides basic amounts of protection required by Texas law. This coverage pays for bodily injury/death financials, like medical expenses and rehabilitation for others, and legal fees if you are sued.

Minimum liability also helps pay for other parties necessary repairs when you are at fault. Texas mandates specific minimum liability limits, and you must meet these requirements to legally operate your vehicle.

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Affordable Car Insurance Rates Comparison by Cities in Texas

This chart demonstrates monthly premiums for Bonham residents compared to other cities in Texas.

City Full Coverage Insurance Liability Insurance Coverage
Bonham $151 $50
San Antonio $162 $60
Buda $149 $52
Houston $196 $72
Tyler $101 $58

Affordable Bonham Car Insurance Rates by Zip Code

Several factors determine how much you’ll pay in premiums, like your location. If your address is in an area with lots of claims due to crashes and you navigate these roads often, you’ll likely have to pay more for your policy than if you were in the suburbs or a rural area.

Bonham only has one zip code, and residents pay an average of $151 for full coverage and $50 state-required liability each month.

Low-Cost Car Insurance Rates by Age in Bonham

Your age is another factor used to estimate your premium. Teenagers are more expensive to insure because they lack experience behind the wheel and have a higher claim rate.

This chart contains monthly auto insurance costs for the average person in Bonham based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $492 $176
20s $216 $71
30s $145 $49
40s $139 $48
50s $128 $46
60s $137 $51
70s $147 $56

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 Bonham

How Many Fatal Accidents Happen in Bonham?

According to the National Highway Traffic Safety Administration, Bonham averages two to three fatal crashes every year. NHTSA statistics show that between 2017 and 2021, there were only three years with fatalities, with a total of eight during the five-year time frame.

How Are the Road Infrastructure and Bridges in Bonham?

Bonham’s Street Services Division oversees city streets, with a subdivision that handles milling and paving and another for streetscapes, roads, and sidewalks. This department also manages seasonal needs like plowing, roadside and leaf sweeping, and other ongoing initiatives, like fixing potholes and clearing flooded roads. The state of Texas’ Department of Transportation oversees major highways and bridges.

Minimum Car Insurance Requirements in Bonham

Texas law outlines the minimum liability requirements for all cities and towns in the state, including Bonham. In Texas, basic liability policies must have:

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

Motorists are subject to penalties under state law for operating a vehicle without insurance in Texas. If you’re pulled over and don’t show proof of your car insurance, Texas views this as failing to maintain coverage — a class C misdemeanor.

If it’s your first offense, you can receive fines up to $350. For each subsequent office, you’ll pay up to $1,000. Additionally, you can get an annual driver’s license surcharge of $250 for three years after your first offense, and $250 annually for three years for subsequent offenses. If you are a repeat offender, Texas can convict you for up to six months in jail.

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Factors Allowed in Bonham Car Insurance Rates

In addition to your age, zip code, and how often you drive, insurers look at several other factors when they calculate your premium on different types of car insurance, like:

Here’s What You Need to Know When Driving in Texas

Driving in Texas involves navigating a diverse landscape. Each region has its own set of challenges and attractions, like the urban streets of Dallas and Houston, to the scenic expanses of the Hill Country. Texas locals encounter varied road conditions and traffic scenarios, so you want to be familiar with local traffic laws, road etiquette, and potential hazards for safe driving.

Texas is known for its extreme weather events, including sudden storms and intense heat, which can impact road conditions and increase the likelihood of accidents. You want to be aware of these factors for the safety of everyone on the road and be prepared for life’s unexpected moments with the right car insurance.

Texas operates under an at-fault system, meaning if you are responsible for an accident, you are financially responsible for the resulting damages. Texas law mandates minimum liability coverage to help you meet these financial responsibilities. Additionally, you want to consider additional comprehensive coverage for protection against non-collision events, such as hailstorms, due to the state’s susceptibility to extreme weather. When you align your insurance plan with the unique driving conditions in Texas, you can navigate the road confidently knowing you are adequately covered for potential challenges.

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

There are a number of car insurance discounts that can help you lower your premiums, particularly if you’re eligible for several of them.

A few of the most popular auto policy discounts among Bonham drivers are:

Bundling your policies with the same company is another great way to save. When you combine your renters or homeowners insurance with your auto policy, you can reduce your overall expenses as much as 25%.


Get an Online Quote for Car Insurance in Bonham Today!

Fannin County Courthouse in Bonham, cheap car insurance in Texas.

All motorists in Bonham must carry documentation of minimum liability protection as mandated by Texas, and Freeway Insurance can help you find the plan you need at affordable prices.

Get started today with a Freeway quote online, visit one of our convenient Freeway offices in Texas, located near you, or call us at (800) 777-5620 to learn more.