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Cheap Car Insurance in Levelland, TX

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Everything You Need to Know About Auto Insurance in Texas

Experience the breathtaking beauty of Levelland, located in the heart of the vast Texas plains. Take in the stunning vistas and open landscapes that embody the serene and boundless nature of this picturesque area. With endless stretches of road to explore, Levelland offers a unique opportunity to immerse yourself in the Texan countryside.

While this Hockley County town can provide a sense of freedom for drivers, it also comes with its challenges, such as unpredictable weather conditions like high winds and dust storms. Additionally, the flat terrain can lead to issues with visibility, especially during sunrise and sunset.

With these factors in mind, plus the legal mandates of the region, you need Texas car insurance that protects you in case of emergencies on the road, damages that may arise from navigating the diverse landscape in Levelland, and enjoying all the area has to offer while feeling safe and with peace of mind.

How Much Does Car Insurance Cost in Levelland, Texas?

People in Levelland pay approximately $47 per month for state minimum required liability insurance, identical to the typical payment in Texas of $47. Levelland’s pricing is also $15 less than the United States mean of $62/$744.

Full coverage auto insurance is approximately $141 per month in Levelland, $28 less than Texas’s average of $169 and $74 less than the nation’s, which is $215.

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

In an at-fault state, such as Texas, if you are responsible for a collision, you bear full financial responsibility for all ensuing losses. These losses include medical bills for injuries, funeral expenses for fatalities, and any property damage resulting from the incident.

Residents of Texas must maintain auto insurance that complies with state requirements, which serves to mitigate potential damages. Moreover, Texas executes a comparative fault system, wherein multiple parties deemed responsible for a crash may each be held liable for a portion of the resulting losses, determined by their respective degree of fault.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

This handy table shows how much people in Levelland pay compared to people in other places in Texas.

City Full Coverage Insurance Liability Insurance Coverage
Levelland $161 $47
Santa Fe $162 $61
Cloverleaf $189 $68
Cedar Hill $176 $65
Mission $185 $73

Affordable Levelland Car Insurance Rates by Zip Code

Your address affects the cost of your premiums. For example, if you live in a highly congested place where mishaps are more frequent, you’ll pay more because your risk profile is higher than if you live in a smaller town with fewer people living there and not as many claims filed.

Levelland has only two zip codes. The typical Levelland local pays $161 per month for full coverage, and $47 per month for minimum liability car insurance.

Zip Code Full Coverage Insurance Liability Insurance Coverage
79336 $161 $47
79338 $161 $47

Low-Cost Car Insurance Rates by Age in Levelland

Car insurance premiums are higher for young motorists because they lack driving experience. Insurers view them as higher-risk, resulting in higher charges to offset the potential cost of claims. However, once you hit age 30, if you’re still driving safely your rates should somewhat reduce.

The information below shows the typical monthly auto payments in Levelland based on various age brackets.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $491 $162
20s $225 $66
30s $154 $45
40s $148 $45
50s $136 $42
60s $143 $48
70s $151 $53

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 Laredo

How Many Fatal Accidents Happen in Levelland?

Every year, the National Highway Traffic Safety Administration releases data about car crash fatalities in Levelland, which fortunately, the town doesn’t experience too often. From 2011 through 2021, the NHTSA reported four fatalities, so the city averages less than one fatality each year due to an accident.

How Are the Road Infrastructure and Bridges in Levelland?

According to the American Society of Civil Engineers, street safety in Texas has been graded as “C” in 2021. This is because almost half of the roads in Texas are in poor or fair condition, and the budget or time required for necessary repairs is not always available. However, Texas is taking measures to rebuild its infrastructure by utilizing new materials, technologies, and approaches that can help withstand or quickly recover from natural or man-made hazards that affect the condition of the roads.

Minimum Car Insurance Requirements in Levelland

Texas defines the minimum liability mandates in Levelland and other locations across the state, which include:

  • Coverage for bodily injury and death liability per individual involved and per accident, with a minimum of $30,000 per individual and $60,000 per incident
  • Coverage for property damage liability, with a minimum of $25,000 per incident

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

In Texas, you can experience consequences for failing to maintain or lacking documentation of an active policy. If you’re stopped while driving without insurance, Texas views this as evidence that you failed to maintain your plan, and you can be charged with a class C misdemeanor.

Below are some of the penalties you can encounter as a first-time offender:

  • Fees of up to $350
  • An annual driver’s license surcharge of $250 for three years

Below are some of the penalties you’ll experience for additional offenses:

  • Fines as much as $1,000 for each offense
  • An additional annual fine of $250 for three years for each additional transgression
  • Impoundment of your vehicle and associated fees to regain possession
  • License and registration suspension, plus their related reinstatement fees
  • An SR-22 insurance mandate
  • Up to six months of jail time

Getting a Free Auto Insurance quote with Freeway is easy!

Factors Allowed in Levelland Car Insurance Rates

In addition to your age, location, and how often you drive, insurers look at several other qualities to calculate the prices for most types of insurance, including your auto premiums, like:

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

In Levelland, as in many other places, car insurance prices are significantly different between young motorists and older individuals. The reasons for these variations are due to their levels of driving experience, risk profiles, and statistical likelihood of getting in an accident.

Car insurance for young drivers tends to be higher, particularly for teens and those in their early twenties. Younger people are a larger risk for insurers, so they cost more to insure. Additionally, this age group may also tend to partake in dangerous behaviors that increase the risk of accidents, such as distracted driving or speeding, which creates the possibility of more expenses for insurers.

Motorists above the age of 30 (especially those between 50 and 60 years old) may receive lower prices in Levelland because this group tends to have more experience on the road, and so their risk profiles decrease with age. In addition, there are discounts these people can receive based on variables like good driving records, completion of defensive driving courses, or being connected with certain organizations.

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

Car insurance discounts can offer a lot of savings on your monthly premiums, particularly if you meet the criteria for more than one of them. Being eligible for one or more of these discount opportunities can lead to a considerable reduction in your monthly payments, ultimately decreasing the overall amount you pay each month.

Among Levelland residents, some of the most popular and commonly utilized discounts include:

Did you know that you can lower your auto insurance rates if your car has certain safety features? Not all areas have the same qualifications for these discounts, although it’s worth asking your insurer to see if you can get a better price.

Get an Online Quote for Car Insurance in Levelland Today!

An abandoned old barn in Rural Texas with the state flag painted on its roof sits in a farmland community framed by fields and a dirt road: Levelland cheap car insurance in The Lone Star State.

Freeway Insurance is here to help you effortlessly find the perfect insurance plans you need, all at unbeatably cheap prices, especially as Levelland locals must carry proof of an active auto policy that meets Texas’s minimum liability mandate. Take a moment today to learn more online, visit us at a Texas office, or call our direct line at (800) 777-5620.