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Cheap Car Insurance in Granbury, TX

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Everything You Need to Know About Auto Insurance in Texas

Granbury, Texas, which was named after Confederate General Hiram B. Granbury, is also affectionately known as the “City of Roses.” Located in Hood County, Grandbury derives its nickname from the rose bushes that adorn the streets and public spaces. The area is known for its small-town charm and urban convenience, which can be challenging for drivers. The roads are well-maintained and efficient, although residents consistently have to navigate through scenic countryside and bustling streets.

Legend has it the infamous outlaw Jesse James is buried here. Given its end-of-the-line status for Texas railroads in the early days of white settlement, it seems many of the west’s more notorious characters landed in this area. You can find an amazing 16 Texas historical markers in the historic downtown.

Granbury’s pace is much slower these days and it is a good place to raise a family. You wouldn’t expect to find a beach in a landlocked town, but the planners of Granbury designed a beautiful beach on the shores of Lake Granbury for its residents and visitors (and their dogs) when they get an urge for sun and sand.

You won’t find a lot of congested city traffic here, but having car insurance in Texas is a legal requirement.

How Much Does Car Insurance Cost in Granbury, Texas?

Granbury motorists have monthly premiums of about $53 for minimum liability car insurance, which is $6 more than Texas’ mean of $47, and $9 less than the national mean of $62.

Full coverage car insurance is about $153 per month for Granbury locals, which is $16 less than the Texas mean of $169, and $59 less than the national mean of $212.

Reasons Why Insurance is So Cheap in Texas

Texas has lower car insurance rates than most of the country due to a variety of factors. One of these variables is the high competition within the industry. To stay current and attract customers, insurers lower their overall premium prices or offer exclusive discounts.

Also, car insurance is cheap in Texas compared to other states because of its legal tort system. These laws are in place so if you’re at fault in a crash, you are financially responsible for the losses that are incurred. In non-tort states (no-fault states), providers are required to pay for their own policyholders’ damages, regardless of who is at fault, which tends to cause insurance to be more expensive.

Even though Texas has its share of harsh weather conditions (like hurricanes, tornadoes and hailstorms), the climate is generally mild. This type of weather is a lower risk for insurers, and so it may contribute to lower pricing compared to regions with frequent and severe weather-related claims.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

This chart differentiates premiums for Granbury drivers compared to those living in other Texas cities.

City Full Coverage Insurance Liability Insurance Coverage
Granbury $153 $53
Goliad $148 $50
Austin $204 $73
Washington $152 $53
Gonzales $152 $51

Affordable Granbury Car Insurance Rates by Zip Code

There are a variety of factors that insurers consider as they calculate your monthly payments, and one of the most impactful variables is your location. For instance, if you reside in an urban location that experiences a lot of traffic congestion and accidents, it means you encounter risky roads more frequently than if you live in a small town with one main street. Spending a lot of time navigating high-risk streets can be pricey for providers, and thus your bills will be higher.

Below are the rates for full coverage and state-required liability insurance for Granbury’s two zip codes.

Zip code Full Coverage Insurance Liability Insurance Coverage
76048 $153 $53
76049 $159 $53

Low-Cost Car Insurance Rates by Age in Granbury

Your age is another detail used to arrive at your monthly pricing. If you are a teenager, your rates will be higher because you are a larger risk to insurers. Teenagers don’t have as much experience driving, although as you gain more time behind the wheel, your premiums will typically go down if you keep your record clean.

This chart contains the average monthly payments for Granbury residents, based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenager $510 $194
20s $219 $76
30s $146 $51
40s $140 $51
50s $130 $48
60s $139 $54
$70 $149 $60

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 Granbury

How Many Fatal Accidents Happen in Granbury?

According to the National Highway Traffic Safety Administration, Granbury averages two to three fatal crashes annually. NHTSA statistics report that between 2011 and 2021, the year with the highest number of deaths was 2021, with a total of seven fatalities.

How Are the Road Infrastructure and Bridges in Granbury?

The Street Services Division in Granbury oversees and maintains city streets, with departments that manage construction needs like milling and paving, and others that manage repairs for roads and sidewalks. This branch of government is also in charge of seasonal cleanups (like plowing and leaf sweeping) and other ongoing projects (like filling potholes and removing debris after big storms). Texas’ Department of Transportation is responsible for large highways and bridges.

Minimum Car Insurance Requirements in Granbury

Texas has legislation that details the minimum liability requirements for Granbury and other places across the state. In Texas, a basic liability policy needs:

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

Texas residents receive penalties if they drive without coverage. If you don’t have proof of insurance when you get pulled over, the local legal system considers this as failure to maintain your plan, which is a class C misdemeanor.

There are a variety of fines and other penalties you can encounter, too. For example, fines range from $350 to $1,000, depending on the number of offenses you have on your record. Additionally, you’ll get an annual driver’s license surcharge of $250 for three years after your first offense, and if you have more offenses, you’ll have an additional annual fee of $250.

If you have more than one offense in your driving history, your vehicle can be impounded, and you’ll have to pay additional fees to regain possession. Plus, you can get your license and registration suspended, along with their own reinstatement fees. Even worse, you can go to jail for up to six months if you’re uninsured in an accident.

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Factors Allowed in Granbury Car Insurance Rates

Your age, location, and how often you drive all impact your premium pricing, but insurers look at several other factors, too. These variables include:

  • Your level of education
  • Your marital status
  • If you drive a sedan or an SUV
  • The amount and types of coverage you have
  • Your deductible amount

Insurance That Helps You Prepare for the Future

Today’s world is unpredictable, and you want auto protection that helps keep your future intact. Car insurance safeguards your financial well-being and has benefits that keep you, your vehicle, and everyone on the road safe.

Insurance coverage gives you financial peace of mind in case you get into an unexpected incident on the road. Whether you choose full coverage or the minimum liability, it helps pay for a portion of the money needed for repairs, medical expenses, and other damages that you and other drivers might experience as a result of an incident. If you don’t have a plan, these charges can get expensive quickly and negatively compromise your finances.

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

Many companies have car insurance discounts that can help you lower your monthly bills. If you qualify for more than one of these savings, they can all be applied and significantly impact how much you have to pay.

Here are some common discounts that Granbury locals qualify for:

Plus, bundling insurance can help save money – as much as 25%. If you already have an auto policy, adding renters insurance or homeowners insurance decreases your overall payments.


Get an Online Quote for Car Insurance in Granbury Today!

Granbury Water Tower Where Texas History Lives: Cheap, affordable car insurance in the Lone Star State.

Granbury motorists must have an active car insurance policy that meets Texas’s minimum liability mandate. Let us help you choose the best plans at the best prices!

Learn more by requesting a quote online on our Freeway website,  visiting a Freeway Insurance office in Texas nearest to you, or giving us a call at 800-777-5620.