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Cheap Car Insurance in Huntsville, TX

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Everything You Need to Know About Auto Insurance in Texas

Huntsville, TX is famous for its educational institutions, historical significance, and neutral beauty. The city is home to Sam Houston State University and named after Sam Houston (a prominent figure in Texas history and a key player in the state’s fight for independence from Mexico). Locals love spending time at Sam Houston National Forest for its scenery, thrilling hiking trails, exciting fishing spots, and amazing camping experiences.

Huntsville is smaller than other metropolitan locations in Texas, so traffic congestion is not particularly significant outside of peak commuting times. However, some areas can be prone to traffic during rush hour and on weekends when people are enjoying all that Huntsville has to offer. Despite the slower pace of life, all residents are still required to have state-mandated car insurance in Texas to ensure they are protected during all accidents.

How Much Does Car Insurance Cost in Huntsville, Texas?

Huntsville drivers pay premiums of around $1,908 per year for liability car insurance. This amount is $111 less than the typical annual cost of liability auto insurance in Texas of $2,019, and $636 less than the national average cost for car insurance of $2,544.

Full coverage car insurance is approximately $660 per year in Huntsville, which is $95 less than the Texas mean of $565, and $84 less than the national mean of $744.

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

Texas operates under a tort system (more commonly known as an at-fault system). Local laws hold the individual who causes a crash financially responsible for all losses and harm that happens as a result. The at-fault party is responsible for the medical and funeral expenses of anyone who was hurt or killed, and any related property damage. 

There is also comparative fault in Texas, which means that if multiple parties are found to share responsibility, each individual may need to pay for a portion of the expenses. In at-fault states like Texas, you are required to have car insurance that covers potential losses.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

Here is a chart that displays the monthly costs for Huntsville residents compared to those in other cities in Texas.

City Full Coverage Insurance Liability Insurance Coverage
Huntsville $159 $55
Texas City $162 $61
Grapevine $161 $61
Bedford $153 $55
Rockwall $170 $62

Affordable Huntsville Car Insurance Rates by Zip Code

Insurance underwriters consider numerous factors when they calculate your premiums, including your zip code. This detail is important to insurers because of the risk factors that you may encounter regularly. For example, if you live in a large urban location, you are more likely to experience traffic congestion and crashes than someone in a small suburb. Insurers charge higher prices if you navigate risky roads often because these conditions are more expensive to cover. Thus, living in a metropolis or high-risk area means you’re more likely to pay more each month than in suburbia. 

Below are all of Huntsville’s zip codes, along with how much people in each area pay for full coverage and state-required liability insurance.

Zip Code Full Coverage Insurance Liability Insurance Coverage
77320 $159 $55
77340 $158 $54
77341 $161 $54
77342 $161 $55
77343 $161 $55
77344 $161 $55
77348 $161 $55
77349 $161 $55

Low-Cost Car Insurance Rates by Age in Huntsville

Your age is another variable insurers use to estimate your monthly prices. Teenagers have higher rates because they have less experience behind the wheel  – and thus are at higher risk to insurance companies – compared to adults.

This table contains the average monthly payments for Huntsville motorists based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $541 $198
20s $232 $78
30s $154 $53
40s $148 $53
50s $136 $50
60s $146 $56
70s $157 $62

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 Huntsville

How Many Fatal Accidents Happen in Huntsville?

According to the National Highway Traffic Safety Administration, Huntsville experiences between three and four fatal crashes every year, and these numbers tend to fluctuate. NHTSA statistics report that between 2011 and 2021, some years only had one to two fatal crashes, while as many as six deaths occurred during others.

How Are the Road Infrastructure and Bridges in Huntsville?

Huntsville has a government-run Street Services Division to manage and care for the city’s streets. There are subdivisions for things like milling, paving, plowing, roadside sweeping, road repairs, and post-storm cleanup. Texas has a separate entity in the Department of Transportation that is in charge of main highways and bridges.

Minimum Car Insurance Requirements in Huntsville

Texas has laws that define what the minimum liability requirements are for people in Huntsville and other cities. A basic liability policy in Texas must provide:

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

Motorists can face penalties for driving without an active policy in Texas. If you get pulled over and cannot provide documentation of coverage, the state uses this as evidence to charge you with a class C misdemeanor.

Should you be charged with your first offense, here are some of the consequences you can experience:

  • Fines that total as much as $350
  • An annual driver’s license surcharge of $250 for three years

If you have additional offenses, here are supplementary penalties you’ll encounter: 

  • As much as a $1,000 fine per subsequent offense
  • An additional annual fine of $250 for three years per offense 
  • Vehicle impoundment and fees to regain possession
  • Car registration suspension
  • License suspension and reinstatement fee 
  • An SR-22 insurance requirement 
  • Up to six months in jail if you get in an accident.

As you can see, you want an insurance plan that meets Texas requirements, although it’s a good idea to have additional protection, too. Make sure your plan outlines the details you need for your specific circumstances. 

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Factors Allowed in Huntsville Car Insurance Rates

Your age, location, and where you drive are all characteristics that underwriters examine when they determine pricing. There are other factors they consider, too, including:

  • Your marital status. 
  • Your driving record, as it shows whether you follow safe driving tips or not.
  • Your gender. 
  • If you drive an SUV, pickup truck or sedan. 
  • The amount of your deductible. 

Auto Insurance Rates for Young Drivers vs Older People in Huntsville, TX

Premiums tend to vary significantly between young drivers and older individuals in Huntsville due to variances in experience behind the wheel, risk levels, and statistical probability of accidents.

Teenagers and individuals in their early twenties often have larger costs than people over 25. The younger age group is defined as high-risk due to their lack of driving experience. In addition, younger motorists statistically have a tendency to partake in risky behaviors like speeding or distracted driving, which increases their risk profiles even more.

Conversely, older individuals (especially those over the age of 30) may have lower premiums in Huntsville because they have more experience behind the wheel, and are seen as lower risk by underwriters. Additionally, this age group tends to receive discounts for factors such as good driving history or having an affiliation with particular organizations.

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

Car insurance discounts can help you lower how much you pay for your bills. Plus, if you qualify for more than one of these savings, you can lower how much you’ll have to pay even more.  

Below is a list of common savings among Huntsville locals:

Bundling insurance with the same company also saves you money. For example, adding low-cost homeowners insurance or renters insurance to your existing auto policy can give you savings of up to 25%.

Get an Online Quote for Car Insurance in Huntsville Today!

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Huntsville motorists are required to have coverage that meets Texas’s minimum liability mandates. We have the plans you need, offering the best protection at affordable prices!

Visit our Freeway website to discover more, schedule an appointment with one of our knowledge agents at a convenient Freeway office in Texas, or simply give us a call at (800) 777-5620.