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Cheap Car Insurance in Kerrville, TX

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Everything You Need to Know About Auto Insurance in Texas

Situated along the Guadalupe River in central Texas, Kerrville is famous for its accessibility to fishing, kayaking, tubing, and other water-related activities. Locals and outdoorsy folks love this popular spot because it provides a much-needed, refreshing escape from the Texas heat.

Kerrville is also home to the Kerrville Folk Festival, which is one of the longest-running music festivals in the United States. The festival is held annually at the Quiet Valley Ranch and showcases a diverse lineup of folk, blues, country, and Americana music. 

Even during festival time, driving around Kerrville is generally pleasant and straightforward. The city is not overly populated, and traffic flows smoothly most of the time. The surrounding Hill Country roads offer scenic drives with winding curves and beautiful vistas, particularly enjoyable during the spring and fall seasons. While there is a slower pace of life and minimal congestion in Kerrville, you still need to meet specific coverage requirements with car insurance in Texas. Keep reading to learn what insurance options are available and how to choose the plan you need.

How Much Does Car Insurance Cost in Kerrville, Texas?

Motorists in Kerrville have monthly costs of about $49 for liability car insurance. These payments are similar to Texas’ overall norm of $47, and $15 less than the nation’s norm of $62.

For full coverage car insurance, Kerrville locals spend about $152 per month. These premiums are $17 less than the Texas norm of $169, and $60 less than the national norm of $212.

Reasons Why Insurance is So Cheap in Texas

Car insurance prices can vary drastically due to a multitude of factors, including your age, driving record, and the type of coverage. Insurance in Texas tends to be less expensive than in other areas of the country due to the competitive insurance market, utilization of a tort system, and low population density in many areas.

When competition is high, it’s likely that your insurance prices will be lower because providers are trying to offer appealing pricing. Additionally, Texas’ tort system makes it so at-fault motorists are financially responsible for resulting losses. This discourages people from driving in a reckless manner that may cause an accident.

Lastly, while Texas is one of the most populous states in the U.S., there are many large rural and suburban locations with fewer people. In less densely populated communities like these, accidents are less likely and there are fewer instances of vehicle theft and vandalism, which results in lower insurance payments.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

This table contains the average monthly premiums in Kerrville compared to people in other Texas cities. 

City Full Coverage Insurance Liability Insurance Coverage
Kerrville $152 $49
Converse $155 $59
Lake Jackson $154 $56
Houston $181 $67
Dallas $171 $63

Affordable Kerrville Car Insurance Rates by Zip Code

There are specific variables that insurance providers use to determine your pricing, and your location is one of them. People who live in metropolitan areas experience a lot of traffic congestion and vehicle crashes happen regularly, which means they navigate risky conditions often. Because these people frequently encounter high-risk situations on the road, they will likely have higher prices than someone who lives in a smaller town. 

There are only two zip codes in Kerrville, so all residents share this common factor. The average Kerrville individual pays $152 per month for full coverage and $49 for minimum liability coverage.

Zip code Full Coverage Insurance Liability Insurance Coverage
78028 $152 $49
78028 $152 $49

Low-Cost Car Insurance Rates by Age in Kerrville

Your age is also used to calculate your premium. Teenagers have higher rates because they have less experience driving compared to older people and thus are more expensive to insure. 

The chart here outlines the average monthly auto insurance payments for Kerrville residents based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $490 $173
20s $216 $70
30s $146 $48
40s $141 $48
50s $130 $45
60s $138 $51
70s $147 $56

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 Kerrville

How Many Fatal Accidents Happen in Kerrville?

The National Highway Traffic Safety Administration reports about two fatal crashes every year in Kerrville. Between 2017 and 2021, NHTSA statistics recorded a total of nine fatalities. The year with the highest number of fatalities was 2018, with a total of three. The years with the fewest casualties were 2017 and 2021, with a total of one death per year. 

How Are the Road Infrastructure and Bridges in Kerrville?

Kerrville’s Street Services Division takes care of local roads. It has two subdivisions: one that is responsible for milling and paving, and another that maintains sidewalks and streetscapes. This department is also in charge of snow and leaf cleanup, roadside sweeping, and other ongoing projects, including pothole repairs and post-storm clearings. Texas has its own Department of Transportation that manages large highways and bridges in and near the city.

Minimum Car Insurance Requirements in Kerrville

There are laws that contain the minimum liability requirements for auto insurance in Kerrville and other parts of Texas. Basic liability policies in Texas must have:

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

If you drive without insurance or fail to maintain coverage in Texas, you will be responsible for state-mandated penalties. If you’re stopped driving without insurance by a police officer and cannot show proof of an auto insurance coverage, Texas can charge you with a class C misdemeanor.

As far as your first offense, you can pay as much as $350 in fines plus an annual driver’s license surcharge of $250 for three years. 

If you have subsequent offenses, fines can add up to $1,000 per incident, and additional license surcharges that total $750. Your vehicle can also be impounded and you’ll be responsible for the associated fees. Plus, you can get your license and vehicle registration suspended along with their reinstatement fees. 

There are more penalties that can come your way from driving without insurance, but it’s better not to risk it. Check that your plan meets the minimum requirements – and ideally more than just the basics. It’s likely you’ll want more protection should something ever happen, like if you are in an accident.

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Factors Allowed in Kerrville Car Insurance Rates

Insurance providers look at several factors when they calculate your premium in addition to your zip code, your age, and the risk conditions you drive in regularly, including: 

  • Your gender
  • Your level of education.
  • Your marital status. 
  • Your driving record.
  • The amount of your car insurance deductible.

Here’s What You Need to Know When Driving in Texas

Texas roads range from open highways in the countryside to bustling, crowded city streets. With different driving environments like these, it’s wise to familiarize yourself with the conditions you may encounter so you know what to expect and drive safely and legally. 

One of the most important things to know about driving in Texas is the expansive road network. There are thousands of miles of highways and interstates, which means long-distance travel is a common occurrence. Whether you are driving from one end of Texas to the other, or doing your workweek commute, it’s good to anticipate varying road conditions and traffic patterns.

You also want to be mindful of Texas weather conditions, which can be unpredictable and sometimes severe. The region encounters everything from intense thunderstorms to scorching heat, and these experiences can present challenges. To have the safest drive possible, make sure you stay informed about weather forecasts and be prepared to adjust your driving behavior accordingly.

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

Insurers have many types of car insurance discounts that help you save money. If you meet the requirements for more than one of these reductions, they can all be applied to your bill and thus significantly lower how much you owe. 

Here is a list of some common car insurance savings for Kerrville residents:

Another great way you can lower your premiums is by learning defensive driving tips for experts and new drivers or bundling with another insurance plan. For example, if you have a car and a motorcycle, adding motorcycle insurance to your auto coverage can reduce your overall bill by as much as 5%.

Get an Online Quote for Car Insurance in Kerrville Today!

Kerrville, TX and Happy city sign over a river with trees and nature surrounding: Lose Your Heart to the Hills with cheap car insurance in Texas.

In Kerrville, it’s essential for motorists to have state-mandated auto insurance. We offer a range of plans tailored to your needs at prices that won’t break your bank account!

To find out more, get an insurance quote online on the Freeway website, schedule an appointment at your nearby Freeway Texas office, or phone one of our agents at (800) 777-5620.