Skip to main content

Cheap Car Insurance in Mount Pleasant, TX

Illustration of van driving by Freeway Insurance headquarters

Everything You Need to Know About Auto Insurance in Texas

Nestled in the heart of East Texas lies Mount Pleasant, a town full of beauty and history. With rolling hills and lush forests as its backdrop, this charming town offers a serene escape from the hustle and bustle of city life.

Discover the rich history and stunning Victorian architecture of the Titus County Courthouse, enjoy a slow stroll through the beautiful Dellwood and Caldwell Parks, catch a show or event at the Mount Pleasant Civic Center, and visit the Northeast Texas Children’s Museum – packed with interactive exhibits for all ages. Mount Pleasant really is a slice of wonder.

Whether you’re cruising the scenic highways along Lake Monticello or navigating through the town’s charming streets, the unexpected can happen at any moment, and so you must have Texas auto protection in place ahead of time. Even if you’re a resident exploring Cypress Bend Park or a student at Northeast Texas Community College, you can find the best plans with affordable prices here in Mount Pleasant.

How Much Does Car Insurance Cost in Mount Pleasant, Texas?

Drivers in Mount Pleasant spend approximately $612 annually on their state minimum required liability insurance premiums. This yearly amount is $47 more than the average in Texas of $565, yet $132 less than the national mean of $744.

Full coverage auto insurance in Mount Pleasant totals around $1908 per year, which is $111 less than Texas’s average of $2,019 and $636 less than the nation’s of $2,544.

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

If you cause an accident in a state like Texas that follows the at-fault system, you are held responsible for all the financial losses and harm that result from the incident. Texas legislation requires you to pay for the medical bills of any injured parties and the funeral expenses for anyone who passed away. Plus, you’ll have to pay for any damage you caused to the property.

The Lone Star State also practices comparative fault. These laws state that in case of an incident involving multiple parties, everyone’s degree of fault will be considered. Each party will pay a percentage of the total losses concerning their contribution to the incident.

Texas drivers must have auto coverage that meets local mandates to pay for costs like these if they get in an accident. Keep reading to learn more about ways to find an affordable plan that meets your needs and budget.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

Take a look at this chart that compares the monthly rates in Mount Pleasant with other cities in Texas. You’ll learn a lot about how they stack up against each other.

City Full Coverage Insurance Liability Insurance Coverage
Mount Pleasant $159 $51
Mercedes $180 $69
Farmer’s Branch $180 $66
Cedar Park $156 $58
Fort Worth $147 $52

Affordable Mount Pleasant Car Insurance Rates by Zip Code

Mount Pleasant has only two zip codes, so all city residents share this common factor. The typical person in Mount Pleasant pays $159 monthly for full coverage and $51 per month for state-mandated minimum liability.

Zip code Full Coverage Insurance Liability Insurance Coverage
75455 $159 $51
75456 $159 $51

Low-Cost Car Insurance Rates by Age in Mount Pleasant

As you gain more experience behind the wheel and practice safe driving habits, you can significantly decrease your auto protection prices. Even if you are a teenager and your prices might be higher, remember that with time and dedication, you can lower your costs. As you continue to drive safely, you can enjoy the benefits of lower prices until your 60s.

This table contains the mean auto payment for Mount Pleasant locals based on their age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $512 $178
20s $226 $72
30s $152 $49
40s $146 $49
50s $135 $47
60s $143 $52
70s $153 $57

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 Mount Pleasant

How Many Fatal Accidents Happen in Mount Pleasant?

Based on annually-released data from the National Highway Traffic Safety Administration, Mount Pleasant experiences an average of one to two fatal crashes yearly. Statistics from the NHTSA show that from 2012 to 2021, there were a total of 17 fatalities, and each year had between one and three deaths.

The reality of these numbers is unfortunate, so it’s always a good idea to have an auto policy with a reliable insurer in case of an emergency.

How Are the Road Infrastructure and Bridges in Mount Pleasant?

Texas authorities diligently use public funds in ways the region needs them, including maintaining street safety. In 2021, The American Society of Civil Engineers gave Texas bridges a grade of “B—” partly due to trying to keep up with the state’s population growth and increasing number of motorists on the road.

Texas has the largest number of bridges in the nation and yet has the smallest percentage (1.3%) that are structurally deficient. In fact, zero crashes are caused annually by poor bridge conditions in the Lone Star State. To improve the state’s grade even more over the next decade, estimates show that the Texas government needs to allocate between $3 billion and $4 billion in its annual budget and is working on raising the money to support these projects.

Minimum Car Insurance Requirements in Mount Pleasant

Texas law outlines the minimum liability mandates in Mount Pleasant. At a minimum, your plan needs to include:

  • Property damage liability protection, with $25,000 or more per incident
  • Bodily injury and death liability insurance per individual involved and per accident, with at least $30,000 of protection per person and at least $60,000 of protection per incident

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

Texas requires state-mandated coverage while operating any vehicle. If you cannot provide policy documentation, you will be subject to penalties under local law. Texas categorizes a lack of a policy as a class C misdemeanor, but the good news is that you can avoid penalty-related consequences if you have an active policy.

For more incentive to ensure your plan stays current, here are some of the consequences you can avoid when you have a plan in place:

  • For your first offense: fees of up to $350; an annual driver’s license surcharge of $250 for three years
  • For subsequent offenses: fines of up to $1,000 per offense; an additional annual fine of $250 for three years for each additional transgression; impoundment of your vehicle and associated fees to regain possession.

In addition, if you get an SR-22 mandate, you can still buy auto protection, but the process is different. Usually, you get SR-22 insurance after a DUI or other severe violation. Make sure you work with a trustworthy insurer who understands your needs and can help you file the proper forms to avoid more penalties.

Image office

Find an office near you to help with your auto insurance

Factors Allowed in Mount Pleasant Car Insurance Rates

In addition to your zip code, age, and driving record, there are additional variables that affect your auto protection costs, including:

  • Your gender
  • Your vehicle type, like a sedan vs. an SUV, or an American-made brand vs. a luxury or sports model
  • Your responsibilities at your job
  • How much education you’ve received, like a high school, college, or higher-level degree
  • The amount of your deductible

What Happens if I Damage Property?

In most accidents, it’s almost inevitable that some repairs will be necessary, and you’ll need property damage coverage to cover these expenses. Most Texas liability plans step in when someone else is involved in the incident to help pay for the other party’s assets, like their car, mailbox, or fence, up to your policy’s limits.

The only thing here is that if you don’t want to pay for your repairs, you’ll need additional protection, like full coverage. Liability policies only cover these financials for other parties in an incident with you, but not for you if you have them. More substantial benefits help you pay for expenses you may have that liability won’t include.

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

Ask your insurer about their auto protection savings to help you lower your monthly payments. Many providers offer savings, and here are some you can qualify for in Mount Pleasant:

Did you know that certain safety features in your sedan or SUV can lower your premium, too? Every carrier has different terms for receiving these savings, although it’s always worth checking with them to see if you can add them to your next bill.

Get an Online Quote for Car Insurance in Mount Pleasant Today!

The old business district on Madison Street in Mount Pleasant: Cheap car insurance in Texas.

It’s easy to enjoy experiences like the East Texas Country Music Festival or explore the historic downtown area of Mount Pleasant when you know you have the auto coverage you need. Freeway Insurance can help you find Texas-approved plans at affordable prices. Get a quote or view our product offerings online or at a Texas office nearest you, or call us at 800 777-5620 to learn more.