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Cheap Car Insurance in Brownwood, TX

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Everything You Need to Know About Auto Insurance in Texas

Nestled in Central Texas about 125 miles southwest of Fort Worth, Brownwood has lots of charm, wide open spaces, rolling hills, and breathtaking views. There is so much to enjoy, from the renowned Brownwood Lyric Theatre and its live performances and events, to the Martin & Frances Lehnis Railroad Museum, which offers a glimpse into the area’s railroad history. Outdoor enthusiasts also flock to Lake Brownwood State Park for camping, fishing, and hiking adventures. 

Brownwood has busy traffic conditions, especially during peak hours. There are main routes, like US Route 377, State Highway 279, and Commerce Street, which experience an influx of traffic throughout the day. Given Brownwood’s congested driving conditions, it’s important to have car insurance in Texas that financially protects you against potential collisions, injuries, or property damage. Whether it’s a minor fender bender or severe weather damage, having the right policies matters for peace of mind on and off the road.

How Much Does Car Insurance Cost in Brownwood, Texas?

Brownwood locals pay around $45 per month for minimum liability car insurance, which is in alignment with the Texas average of $47, and $15 less than the national average of $62.

Full coverage car insurance costs Brownwood residents around $153 a month, which is $16 less than the Texas average of $169, and $59 less than the national average of $212.

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

In an at-fault state, if you cause an accident, you are financially responsible for all damages and harm you cause. Your (or your insurance company) is responsible for the medical expenses of anyone who was injured, the funeral costs of anyone who is killed, and any incident-related property damage. 

Liability auto Insurance in Texas is mandatory to cover potential damages. Additionally, Texas law permits comparative fault, meaning that if multiple parties are found to share responsibility, each person may be held accountable for a percentage of the damages based on their degree of fault.

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Affordable Car Insurance Rates Comparison by Cities in Texas

The table below displays how much Brownwood community members pay each month for their premiums compared to other places across Texas.

City Full Coverage Insurance Liability Insurance Coverage
Brownwood $152 $45
Lubbock $160 $52
Cameron $150 $51
El Paso $157 $54
San Angelo $140 $42

Affordable Brownwood Car Insurance Rates by Zip Code

There are a number of components that influence how much your monthly prices will be, including your home address. If you reside in a metropolitan area with a lot of traffic or vehicle crashes, insurers consider the fact you travel on high-risk streets often. When you experience risky driving situations frequently, you’ll pay more than if you live in a quiet suburb. 

Below is a table with Brownwood’s two zip codes. As you’ll see, residents pay roughly the same for full auto coverage and minimum liability coverage each month. 

Zip code Full Coverage Insurance Liability Insurance Coverage
76801 $152 $45
76802 $153 $46

Low-Cost Car Insurance Rates by Age in Brownwood

Your age is another factor insurers use to estimate how much you’ll pay each month. Generally, if you are under the age of 25, you’ll have higher premiums than other age groups because you have less experience behind the wheel and are thus more expensive to insure. However, your rates will typically go down as you get older and if you practice safe driving methods. 

Below are the monthly amounts people in Brownwood pay on average for their premiums, based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $484 $163
20s $217 $65
30s $152 $45
40s $141 $44
50s $129 $42
60s $137 $47
70s $146 $52

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 Brownwood

How Many Fatal Accidents Happen in Brownwood?

According to the National Highway Traffic Safety Administration, Brownwood experiences about one to two fatal crashes every year, but the frequency of these crashes fluctuates. NHTSA statistics show that between 2011 and 2021, some years only had one fatality, while three or four occurred during others.

How Are the Road Infrastructure and Bridges in Brownwood?

Brownwood has its own Street Services Division that oversees and maintains local streets. There is a subdivision that handles milling and paving, and another that manages streetscapes, roads, and sidewalks. In addition, the Street Services Division oversees seasonal needs like plowing in the winter, and roadside sweeping in the spring, summer, and fall. The governmental entity has other ongoing initiatives, too, including road repairs and clearing roads after big storms. Separately, Texas has its own Department of Transportation that is in charge of major highways and bridges.

Minimum Car Insurance Requirements in Brownwood

Texas law determines the minimum liability requirements for motorists in Brownwood and other cities and towns in the state. A basic liability policy in Texas must provide:

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

In Texas, you can receive penalties for operating a vehicle without insurance. If you are stopped for driving without insurance, the state sees this as a class C misdemeanor.

Below are some of the penalties you can encounter if you are caught driving without insurance:

  • Fines up to $350 for your first offense.
  • Fines up to $1,000 for each subsequent offense.
  • Driver’s license surcharge of $250 per year for three years following your first offense, and an additional $250 a year for three years for subsequent offenses.
  • Up to six months in jail if you get into a collision or cause other harm.

As you can see, the consequences of not having an insurance plan aren’t worth it, so you’ll want to make sure you have a policy that meets Texas’ legal requirements.

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Factors Allowed in Brownwood Car Insurance Rates

Your age, location, and how often you drive are only just some of the qualities insurers look at when they calculate your premium for any type of car insurance. Providers also consider your:

What Happens if I Damage Property?

Whether you back into someone’s vehicle, a fence, or even city-owned property, damage is likely when you’re in an accident. Your policy can step in to help cover the expenses. Liability insurance, which is required by law in Texas, helps pay for expenses after damaging other people’s property, including repairs to their vehicle, fixing fences or other structures, and even reimbursement if there are more losses. 

If the impaired property is owned by the Brownwood government or municipality, the claims process may vary slightly. For instance, your liability policy can still assist in paying a portion of repair costs, but there may be additional steps involved, such as filing an additional claim with Brownwood’s insurance provider. However, having sufficient liability protection ensures that you’re protected in various situations, so you can rest assured that you’ll have the support you need along the way. 

It’s important to note that car insurance not only helps pay for repairs or replacing damaged property but also gives you legal protection. Without a policy, you could be held personally liable for the full amount of money for the damages, which can be financially devastating.

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

There are different types of car insurance discounts to save money, particularly if you qualify for more than one of them. One or more of these discounts can significantly lower your overall prices.

Some of the most common discounts for auto policies in Brownwood include:

You can also bundle your coverage with the same insurer to help you lower your costs. For instance, if you combine your auto policy with homeowners or renters insurance, you can reduce your bills as much as 25%.

Get an Online Quote for Car Insurance in Brownwood Today!

Street Sign with Directions to the Lyric Theatre, Museum of History, Railroad Museum, and Howard Payne University: Brownwood cheap car insurance in Texas.

Motorists in Brownwood need auto protection that meets the minimum liability mandate in Texas. Freeway Insurance can help you choose the best coverage at an affordable price. 

Get a Freeway Insurance quote online, at a Freeway Texas office near you, or by speaking with an agent over the phone by calling (800) 777-5620.