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Cheap Car Insurance in Hereford, TX

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Everything You Need to Know About Auto Insurance in Texas

Nestled in the heart of the Texas Panhandle, the city of Hereford is known as the “Beef Capital of the World.” Hereford has a large influence on the state’s agricultural heritage, with a long-standing tradition of cattle ranching and livestock production. Hereford even has the largest privately owned cattle feedlot in the world!

Hereford has a small-town community atmosphere with a population of approximately 15,000. However, the area is still a bustling hub with a thriving economy supported by agriculture, manufacturing, and commerce. The agricultural landscape and rural surroundings affect traffic patterns with open highways and scenic drives, although there can be winter weather conditions that can be hazardous. For example, regular snow and ice storms can create slippery and potentially unsafe road conditions.

Texas has specific mandates for liability coverage that help keep Hereford locals safe throughout the year and during all road conditions. Continue on to learn more about car insurance in Texas and how to choose a plan that meets legal requirements and has protection for your exact needs.

How Much Does Car Insurance Cost in Hereford, Texas?

Drivers in Hereford pay about $44 per month for liability car insurance. This number is similar to the Texas norm ($47), and $18 less than the United States norm ($62).

Full coverage car insurance is about $157 per month for Hereford motorists, which is $12 less than the Texas norm of $169, and $55 less than the United States norm of $212.

What Does Full vs. Minimum Mean?

Full coverage and minimum liability insurance have variations to ensure you have financial protection while meeting locally mandated requirements. Full auto policies have extensive protection should you get in an accident, experience theft or property damage, or if you are affected by a natural disaster and help pay for the repairs or replacement of your vehicle, as well as the damages and injuries of others if you cause a wreck. Minimum liability will only pay for the damages and injuries of others if you are at fault.

You are always encouraged to think about additional add-ons for even greater protection, such as rental car reimbursement, roadside assistance and uninsured/underinsured motorist coverage.

Minimum coverage (also known as liability insurance) is the bare minimum amount that is mandated by the state for bodily injury and property damage. Liability auto policies help safeguard you legally and financially if you are at fault, although this won’t be the case in all situations. For example, the costs for others’ losses and medical expenses will be covered up to your policy limits, but the same expenses for you won’t. Anything over your policy limits will also come out of your pocket.

Choosing full coverage or, at the least, increasing your liability minimums, will provide better financial security in many situations, so it’s important that you have auto insurance with all of these qualities.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

This table identifies how much people in Hereford pay for their premiums every month compared to other cities in Texas.

City Full Coverage Insurance Liability Insurance Coverage
Hereford $157 $44
Fort Worth $163 $60
Ellsworth $148 $51
Newton $160 $54
Wichita $139 $45

Affordable Hereford Car Insurance Rates by Zip Code

Insurance underwriters look at a variety of factors to determine your policy rates, including your location. If your zip code is in a big city with frequent traffic and lots of crashes, you will likely have higher prices than if you were in a small town with only a few main roads and minimal traffic.

Hereford has only one zip code, so all of its residents have this factor in common. The typical Hereford individual pays $157 per month for full coverage, and $44 per month for minimum liability auto coverage.

Low-Cost Car Insurance Rates by Age in Hereford

Your birthdate is another way insurers estimate how much you’ll pay each month. Your prices tend to go down as you get older because you gain more experience behind the wheel, and thus you become less risky for insurance companies. In general, teenagers are more expensive to insure because they are considered higher risk than folks over the age of 30.

This chart contains the mean monthly payments for premiums in Hereford based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenager $476 $153
20s $220 $62
30s $151 $43
40s $145 $43
50s $133 $40
60s $140 $45
$70 $147 $50

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 Hereford

How Many Fatal Accidents Happen in Hereford?

According to the National Highway Traffic Safety Administration, Hereford experiences less than one fatal crash annually. NHTSA statistics report a total of three crashes between 2011 and 2021: one crash per year in 2012, 2020, and 2021.

How Are the Road Infrastructure and Bridges in Hereford?

There is a Street Services Division that oversees and maintains Hereford’s roads. This governmental entity manages the construction, repairs, and maintenance of sidewalks, roads, and streetscapes.

The Hereford Street Services Division is also in charge of fixing broken pavement, post-storm cleanup, and seasonal needs like plowing and sweeping. Separately, Texas has a Department of Transportation that takes care of these same responsibilities for major highways and bridges in the area.

Minimum Car Insurance Requirements in Hereford

Minimum liability requirements for Hereford locals (and other cities and towns across the Lone Star State) are outlined by Texas law. By definition, in this region, a basic liability policy must have:

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

You can receive a multitude of penalties for driving without insurance in Texas. If your plan expires or if you fail to carry proof of your policy and you’re pulled over or get in an accident, Texas views this as evidence to charge you with a class C misdemeanor.

Some of the consequences of not having insurance include one-time fees, additional annual surcharges, vehicle impoundment and associated fees, registration and license suspension, an SR-22 insurance requirement, and even as many as six months in jail.

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Factors Allowed in Hereford Car Insurance Rates

In addition to how old you are, your address, and your driving frequency, insurers consider other variables when they calculate your premium, like:

  • If you drive a SUV or a sedan
  • Your gender
  • Your highest level of education (having a diploma affects your auto insurance)
  • If you have any offenses on your driving history and record.
  • Your marital status


What’s the Best Car Insurance for Teenagers and Their Families in Hereford, TX?

In Hereford, teenagers and young drivers need the best insurance coverage that gives everyone in their family comprehensive protection at an affordable price. As your teen prepares to get his or her driver’s license, you’ll need to prioritize safety and your finances as you consider which plan options are right for you.

You’ll need full coverage because it provides security and peace of mind to everyone in your household. The liability coverage in your policy can help cover property damage or medical costs if your teen is found at fault, which can help keep your family financially secure.

Regardless of the plans you choose, make sure you work with a reputable and reliable provider with a track record of excellent customer service, prompt claims processing, and transparent policies. These traits indicate that you’ll receive support and assistance when you need it most.

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

Providers have many types of car insurance discounts that help you reduce the amount of your premiums. You can also qualify for several of these savings at one time, which can lower your bills even more after they are applied.

Below are a few savings that are popular amongst Hereford residents:

Having more than one plan with the same insurer is another great way to save each month. For instance, if you combine your car insurance policy with renters or homeowners insurance, you can receive as much as 25% off your bill.


Get an Online Quote for Car Insurance in Hereford Today!

Cows and Cattle on a Farm and Ranch in Texas: Cheap car insurance in The Beef Capital of the World, Hereford, TX.

Are you a resident of Hereford? If so, remember that having auto coverage that meets Texas’s minimum liability requirements is mandatory. Don’t worry, Freeway Insurance has got you covered! We offer a variety of affordable plans designed to provide you with the protection you need.

To learn more about the best cheap insurance options, simply visit us for a free quote online. Alternatively, you can give us a call at 800-777-5620 or stop by one of our Freeway offices in Texas to meet with a friendly agent in person.