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Cheap Car Insurance in Brenham, TX

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Everything You Need to Know About Auto Insurance in Texas

Brenham, Texas was founded in 1843 and spans a 14-square-mile area. Brenham has over 16,000 residents who contribute to the vibrant community known as the “Heart of Bluebonnet Country.” Brenham attracts visitors with its picturesque landscapes, bluebonnet fields, and the iconic Blue Bell Creameries, a renowned ice cream manufacturer that has become synonymous with the city’s identity.

Brenham was the hometown of the late NFL quarterback for the New York Giants, Y.A. Tittle. While Tittle achieved fame on the football field, his roots in Brenham held a special place in his heart. “Brenham, with its friendly community and scenic surroundings, is where my journey began. The values instilled in me during my time here shaped my character both on and off the field,” Y.A. Tittle shared, reflecting on his time in Brenham during the mid-20th century.

Understanding the nuances of Brenham’s driving conditions is crucial for residents. Keep reading to learn more about Texas car insurance requirements, protection options, and insights into average monthly rates based on age and zip code.

How Much Does Car Insurance Cost in Brenham, Texas?

Brenham drivers pay about $612 annually for state required minimum liability auto insurance premiums – that’s $47 higher than the state of $565 and $132 less than the national average of $744.

Full auto coverage costs around $1,824 annually for Brenham motorists, which is $195 less than the state average of $2,019 and $720 less than the national average of $2,544.

What Does Full vs. Minimum Mean?

There are two kinds of car insurance in Texas – full coverage and minimum liability. Both types of car insurance plans have their own purpose and provide varying levels of protection.

Full coverage, or comprehensive insurance, is an all-encompassing protection package with multiple types of coverage, like liability, collision, and comprehensive.

Liability takes care of bodily injury and property damages expenses for others if you’re at fault in an accident. Collision pays for repairs or replacement of your vehicle. Comprehensive protects you from non-collision situations like vandalism, natural disasters, or theft. You’ll want full protection if your car is new or higher in value, although these policies have higher prices because they are more extensive.

Minimum liability protects you with the basic amount of coverage mandated by Texas. These policies pay for others’ bodily injury/death financials, like rehabilitation, medical expenses, and legal fees.

Minimum liability also takes care of property damage, repairs, or replacement expenses where you are at fault. Texas has specific minimum liability limits, and you must meet these requirements to drive legally.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

This chart shows how much Brenham locals pay for monthly premiums compared to people living in other cities across the state.

City Full Coverage Insurance Liability Insurance Coverage
Brenham $152 $51
Austin $204 $73
Houston $215 $80
Abilene $149 $46
Plano $162 $62

Affordable Brenham Car Insurance Rates by Zip Code

There are several factors that determine how much your plan costs and your location is one of them. If you live in the suburbs, you’ll likely pay less than someone who is in an urban area. This is because most cities experience a lot of traffic congestion and crashes, which is risky for insurers, and their prices will be higher as a result. On the other hand, quieter areas are less expensive due to fewer claims being filed, and thus prices are lower.

There are only two zip codes in Brenham, so residents across the area pay the same as far as that factor goes: $152 a month for full coverage and $51 a month for state-required liability coverage.

Low-Cost Car Insurance Rates by Age in Brenham

Age is another factor used in determining your premium. Young motorists require higher premiums because they don’t have the same amount of experience behind the wheel as adults in their 30s.

This chart outlines the average auto insurance costs per month in Brenham based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenager $505 $182
20s $218 $73
30s $145 $49
40s $139 $49
50s $129 $46
60s $138 $52
$70 $148 $58

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 Brenham

How Many Fatal Accidents Happen in Brenham?

According to the National Highway Traffic Safety Administration, Brenham averages about one to two fatalities every year. NHTSA statistics show that between 2011 and 2021, the only year that had more than this was 2018, which experienced three fatalities.

How Are the Road Infrastructure and Bridges in Brenham?

Brenham’s Street Services Division oversees and maintains city streets, with needs like milling, paving, plowing, roadside cleaning, and other ongoing initiatives, which include repairs and clearing flooded roads. The Texas Department of Transportation manages these needs for major highways and bridges.

Minimum Car Insurance Requirements in Brenham

Texas law defines the minimum liability requirements in Brenham and other cities and towns across the state. In Texas, basic liability must include:

  • $30,000 or more for bodily injury/death or death per person involved, with $60,000 or more per crash.
  • $25,000 or more for property damage.

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

Texans are subject to penalties under state law for operating a vehicle without a car insurance policy. If you get pulled over and don’t have documentation of auto coverage, local laws use this as evidence that you failed to maintain your plan, which is a class C misdemeanor.

You’ll get $350 in fines for your first offense. For additional offenses, you’ll pay $1,000 for each of them, get your car impounded, your license and registration suspended, and an SR-22 requirement.

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Factors Allowed in Brenham Car Insurance Rates

In addition to how old you are and your location, insurers use other characteristics to calculate your premium. These qualities include:

  • Driving frequency and history
  • Coverage and deductible amounts
  • Education level
  • Marital status
  • Vehicle type

Auto Insurance Rates for Young Drivers vs. Older People in Brenham, Texas

Policy costs for motorists of different age groups in Brenham vary to reflect the levels of risk associated with each age group. Young drivers, typically defined as those under the age of 25, often face higher expenses due to their limited driving experience and statistically higher likelihood of being involved in accidents.

Young people in Brenham may see elevated prices due to the area’s unique driving conditions and the presence of rural landscapes. Insurers factor in these risk elements to emphasize the importance of safe driving practices and encourage young motorists to participate in defensive driving courses or other programs that may qualify them for discounts.

Conversely, older individuals, especially those aged 30 and above, may benefit from more favorable policy rates. This age group is generally considered less prone to accidents due to a longer driving history, accumulated experience, and often a lower-risk profile.

While individual circumstances and driving records vary, understanding the factors that influence premium prices for different age groups in Brenham is essential. Make sure you seek quotes from various providers and explore potential discounts for all age groups to secure the most suitable and cost-effective plans for your specific situation.

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

Car insurance discounts to save money, especially if you qualify for several of them, can significantly lower how much you have to pay. Here are some of the most common discounts among Brenham drivers:

Bundling plans with the same insurer can also help you save. For example, If you add renters insurance or mobile homeowners insurance to your existing policy, you can reduce your expenses by as much as 15%.

Get an Online Quote for Car Insurance in Brenham Today!

Exterior view of the Blue Bell Creameries factory in Brenham, TX, with monument depicting a girl with a cow, cheap car insurance in Texas

Brenham drivers are required to have a car insurance plan that meets Texas’s minimum liability laws. Freeway Insurance can help you find the best policies at affordable prices.

Visit us online, at one of our Texas offices, or call us at 800-777-5620 for a quote.