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Cheap Car Insurance in Longview, TX

Illustration of van driving by Freeway Insurance headquarters

Longview, Texas has a little bit of everything for residents and visitors to enjoy. For example, you can take a fairly inexpensive train trip for the day after picking up some much-needed breakfast in a downtown café. Or if you feel more adventurous, check out Thomas Falls Outdoor Adventures where, among other things, you can take a zip line over some inspiring views.

Longview is also home to Kilgore College and dozens of different parks available in the area. There’s some pretty famous barbecue to try, as well as a world-class winery.

Quick Facts

  • In 2020, there were 12 traffic-related fatalities in 12 crashes.
  • On average, Longview drivers pay $47 for the state-required minimum and $151 for full coverage for their car insurance per month.

How Much Is Car Insurance in Longview, TX?

On average, Longview drivers pay $151 per month for their full coverage car insurance. Relatively speaking, this is a good price. It is the same as the Texas state average price and slightly higher than the United States average price of $139/month.

Drivers can save money on their monthly or annual insurance premium by choosing the state required minimum car insurance coverage. Keep in mind when choosing your insurance package that with the minimal amount, your insurance company will use your policy limits to pay for the other driver’s injuries and damages if you are at fault in an accident. You will be out the amount of your own injuries and damages – and depending on the severity of the other driver’s injuries and damages, you may still owe money out of pocket.

Full coverage – or a policy that mixes and matches some variations of full coverage – will offer you the best financial protection. You can choose a higher deductible as one way to lower your premium.

How does Longview stack up to the rest of Texas? Below, we have a breakdown of average car insurance prices in different parts of Texas.

Texas Cities Average Monthly Rate for Full Coverage/State Minimum
Austin $155/$50
Dallas $194/$57
El Paso $148/$42
Houston $177/$56
Longview $151/$47
San Antonio $158/$51

Longview Low-Cost Car Insurance Rates by Zip Code

Now you know that moving to a different city in Texas can significantly affect how much you pay for car insurance. But would you believe that could happen even if you just move to a different neighborhood?

Your zip code plays a part in how much you pay for your premium. To help you understand how big a part, we have a breakdown of average Longview car insurance rates by zip code.

Longview Zip Codes Average Monthly Rate for Full Coverage/State Minimum
75601 $151/$47
75602 $159/$49
75603 $155/$48
75604 $152/$48
75605 $154/$47
75606 $159/$49
75608 $159/$49

Longview Affordable Car Insurance Rates by Age

Your zip code isn’t the only thing that affects how much you pay for car insurance. Another major factor is your age.

The good news is that this usually works in your favor, with drivers typically paying less as they get older (up to a point). To give you a better idea of how this works, we have a breakdown of average Longview driver insurance rates by age.

Age Average Monthly Rate for Full Coverage/State Minimum
18 $418/$142
20 $343/$109
30 $159/$49
40 $156/$48
50 $144/$45
60 $141/$44
70 $157/$53

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Longview

How Many Fatal Accidents Happen in Longview?

In 2020, there were 12 traffic-related fatalities in 12 accidents. There was a total of 2,035 accidents.

How Are the Road Infrastructure and Bridges in Longview?

The infrastructure of a city largely determines the safety of its driving conditions. And what is the infrastructure of Longview like? Honestly, it’s a bit of a mixed bag.

As a whole, the state of Texas received a “C” on its 2021 infrastructure report card. And Longview is part of the problem, with some roads and bridges in poor states of repair after many years of use.

However, the city is actively working on addressing these problems. This includes proposing a $27 million initiative to work on Mobberly Avenue, Cotton Street, Fairmont Street, Reel Road, and more.

Get a Quote for Car Insurance in Texas Today!

Minimum Car Insurance Requirements in Longview

Normally, it is up to each Longview driver to determine how much car insurance they need. However, the state of Texas does mandate a minimum level of insurance all drivers must meet before they get out on the road.

What is the minimum amount of insurance required in Longview, Texas? Drivers must have liability insurance in the following amounts:

  • $30,000 for injury/death to one person
  • $60,000 for injury/death to more than one person
  • $25,000 for property damage

Remember, liability insurance only pays out when you are liable, and it only pays for damage sustained by the other driver. To better protect your own vehicle (no matter who is at fault), you should also have collision insurance.

Factors Allowed in Longview Car Insurance Rates

Previously, we touched on two of the major factors your car insurance carrier can use to determine your rate: age and zip code. But there are other factors that can positively or negatively impact how much you pay.

What are those factors? In Texas, some of the things your insurance carrier is allowed to look at include:

  • Age
  • Zip code
  • Education & occupation
  • Marital status
  • Credit score
  • Gender

Discounts for Car Insurance in Longview

Pretty much every driver wants to pay less for their car insurance. And one of the simplest ways to do this is to ask about possible car insurance discounts.

Such discounts are typically available for clean driving records and many other things. Here is a brief list of popular discounts in the Longview area:

  • Blue icon of a blue car

    Good driver discounts

  • Illustration of a smiling person

    Customer loyalty discounts

  • Blue icon of a graduation cap

    Good student discounts

  • Pink icon of a thief

    Safety features and anti-theft systems

  • Blue icon of a document with a checklist

    Bundling policies

  • Green icon of a military man

    Military (past and present)

Many more discounts are likely available through your insurance carrier. Call them today to discover the full list. And if you end up shopping around for a new carrier, try to find out what their discounts are ahead of time!

What Are the Penalties for Driving Without Insurance in Longview?

Before, we covered what the minimum level of insurance is in Texas. But what happens if you are caught driving in this state without any insurance at all?

For the first offense, you may have to pay a fine between $175 and $350. For second offenses, the fine jumps up to somewhere between $350 to $1,000. If you have further offenses (especially in a short period of time), you may have your license suspended and your car impounded.

Get a Longview Cheap Auto Insurance Quote Today!

The Great Texas Balloon Race in Longview, TX

Now you know the most important details about car insurance in Longview, Texas. But do you know where to find the best car insurance prices?

Here at Freeway Insurance, we specialize in keeping you safe in Longview and anywhere else you take your car. We are happy to get you started with a quote online. But if you’d rather visit in person, you can always come to one of our local offices. Or, if you’d rather just use the telephone, you can always call us at (800) 777-5620 for a quote today!