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Cheap Car Insurance in Kingsville, TX

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Everything You Need to Know About Auto Insurance in Texas

Kingsville, Texas is located in the southern part of the state with proximity to the Gulf Coast. The city has small-town charm and accessibility to nature, with highlights like Texas A&M University-Kingsville sporting events and community activities, nearby beaches, fishing in the Gulf waters, and a rich cowboy heritage. There are even rodeos and western-themed events drawing visitors from across the country.

Residents of Kingsville often venture out to nearby attractions such as the King Ranch (which is one of the largest ranches in the world) or the nearby town of Corpus Christi for shopping, dining, and entertainment. Kingsville has well-maintained roadways and efficient transportation networks, so traffic conditions are generally manageable and allow for smooth travel throughout the area. 

Overall, Kingsville locals enjoy a relaxed pace of life with easy access to both urban amenities and natural beauty. It’s important to have car insurance in Texas in case you encounter any potential accidents or emergencies. Take a look below to learn more about the types of coverage people in the Lone Star State need and how to decide which policies are best for your unique situation.

How Much Does Car Insurance Cost in Kingsville, Texas?

On average each year, Kingsville drivers pay auto about $696 for state minimum liability car insurance. This number is $131 more than Texas’ overall mean of $565. In addition, Kingsville’s rates are $48 less than the national mean of $744.

For full coverage car insurance, motorists in Kingsville spend about $1,800 every year. These premiums are less than the Texas mean of $2,019 by $219, and less than the national mean of $2,544 by $744.

What Does Full vs. Minimum Mean?

Full-coverage and minimum liability car insurance policies ensure you are financially and legally protected when you’re on the road. Each kind of policy has slightly different terms, and it’s wise to be aware of how each kind of plan works so you can make an educated decision about which options you need. 

Full auto insurance gives you extensive security against a wide assortment of risks, like natural disasters, vandalism, theft, and collisions. Full coverage helps with repair or replacement expenses. Some full coverage policies include roadside assistance. Other types of insurance you can add include rental car reimbursement and uninsured/underinsured motorist insurance.

Minimum auto insurance (or liability coverage) is the bare minimum amount of Texas-required liability coverage for bodily injury and property damage, although you are encouraged to increase the amounts. Having minimum coverage ensures you are compliant with Texas’ legal requirements and safeguards you from financial liability if you cause a collision. However, liability insurance may not provide enough money in all situations. For instance, you will not receive any help for losses including to your vehicle or help with paying for medical expenses or other losses.

Having a full auto insurance policy ensures you have all-encompassing protection on the road. You’ll be financially and legally secure in many high-risk situations, meet legal mandates, and experience the benefits of safeguarding your financial well-being.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

See below for a chart that contains the rates Kingsville individuals pay for their monthly premiums compared to individuals living in other Texas cities.

City Full Coverage Insurance Liability Insurance Coverage
Kingsville $150 $58
Southlake $153 $56
Arlington $166 $61
Bryan $150 $55
Lakeway $152 $54

Affordable Kingsville Car Insurance Rates by Zip Code

Your premium pricing is determined by a variety of factors, and your location is one of them. If your home is in a city with frequent traffic and accidents, this means you’ll drive on these roads more often. Insurers consider the risks you’ll encounter every time you drive, and so as a metropolitan local, your prices will likely be higher than if you were to live in smaller, less congested areas. 

Kingsville only has two zip codes, and so all residents have this variable in common. Kingsville policyholders have monthly charges of about $150 for full coverage, and $58 for minimum liability car insurance. 

Zip code Full Coverage Insurance Liability Insurance Coverage
78363 $150 $58
78364 $150 $58

Low-Cost Car Insurance Rates by Age in Kingsville

Another way insurance providers estimate your monthly dues is with your age. The reason your age influences your pricing is because of how much driving experience you have. The less experience you have driving, the bigger the risk you are for insurance companies. Teenagers have higher premiums because they are new to driving, whereas adults over the age of 30 will pay less because they have more time behind the wheel. 

This table contains the average monthly auto insurance payments for Kingsville motorists based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $499 $210
20s $216 $83
30s $144 $56
40s $140 $56
50s $129 $53
60s $139 $60
70s $149 $66

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 Kingsville

How Many Fatal Accidents Happen in Kingsville?

Kingsville experiences about one fatal crash every year, according to the National Highway Traffic Safety Administration. Between 2017 and 2021, the NHTSA reported that the only year without a fatality was in 2017. The remaining years experienced a total of one or two deaths. 

How Are the Road Infrastructure and Bridges in Kingsville?

Kingsville’s local government has a Street Services Division that oversees and maintains the roads of the area. One subdivision is responsible for milling and paving, and another takes care of streetscapes and sidewalks. The Street Services Division department also takes care of seasonal needs like winter snow plowing, roadside sweeping in the spring, summer, and fall, and other projects, like repairs and cleanup after big storms. Texas has a separate entity, the Department of Transportation, that is in charge of these tasks for large highways and bridges.

Minimum Car Insurance Requirements in Kingsville

Texas law defines what the minimum liability requirements are for all in-state motorists, including Kingsville. In Texas, a basic liability policy must provide:

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

Have you thought about what happens if you get pulled over and don’t show proof of car insurance? In Texas, you can receive penalties if you drive without insurance. First, you can be charged with a class C misdemeanor that stays on your driving record (and affects your insurance prices in the future).

Additionally, there are fines of as much as $1,000 every time you get caught without an active auto policy. Plus, you’ll receive a license surcharge ($250 per year for three years for your first offense, and an extra $250 per year for additional offenses). 

Here are some of the consequences you can receive for repeat offenses:

  • An SR-22 requirement for your future insurance policies. 
  • Impoundment of your vehicle plus reinstatement fees.
  • A conviction of six months of jail time if you get in an accident without insurance. 
  • Suspension of your license and registration.
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Factors Allowed in Kingsville Car Insurance Rates

Your age, location, and how often you drive are just some of the variables insurers consider when they calculate your monthly bill. Insurance companies also factor in:

What Happens if I Damage Property?

Damaged city property with your car? Unintentional damage can occur in almost any accident, whether you knock over a stop sign or crash into another piece of city-owned property, which can be costly. 

These unplanned situations can happen at any moment, so it’s best if you have auto insurance that meets or exceeds Texas laws. 

Your auto insurer can step in to help cover the repairs and expenses you accrue in a collision, up to your policy limits. Texas-mandated liability insurance helps pay for harm you may cause to other people’s possessions, including repairs to their vehicle, fixing signage, fences, or structures, and even reimbursement for additional losses.

If the incident occurs on Kingsville or municipality-owned property, your liability insurance can still help cover the expenses, but there may be additional steps involved in the process. For example, you might need to file an additional claim with Kinsgville’s insurance provider. Nevertheless, when you have liability protection, it ensures that you’re protected regardless of the type of harm that happened — at least up to your policy limits.

Auto insurance helps you pay for repairs or replacements and gives you legal protection when you harm others. If you don’t have insurance or don’t have enough insurance, you could be held personally responsible for all costs, which could be financially devastating. Insurance can help you drive with confidence knowing that you’re protected in case of an accident.

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

Providers can help you save money with different types of car insurance discounts. Plus, if you are eligible for several types of savings, they can all be applied to your final bill and significantly reduce your payments. 

Common car insurance discounts for Kingsville residents include:

Did you know that bundling insurance can help save money? If you combine your current auto policy with renters or homeowners insurance, you can pay up to 25% less.

Get an Online Quote for Car Insurance in Kingsville Today!

Kingsville, TX on a road map of the state of Texas: Cheap car insurance in the Long Star State.

Kingsville residents are required to have active auto insurance that meets the minimum liability laws in Texas. Freeway Insurance has a variety of plans with the coverage you need, all at affordable prices.

Visit us online for a free quote, drop by your nearest Freeway Insurance office in Texas, or give us a call at (800) 777-5620 to speak with one of our agents, get a quote, or learn more.