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Cheap Car Insurance in Pampa, TX

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Everything You Need to Know About Auto Insurance in Texas

Pampa, a town that flourished during the Texas Panhandle’s oil boom in the early 20th century, is a charming and vibrant community that captures the essence of the American West. With a thriving economy based on oil, gas, and agriculture, Pampa has a rich history that the locals are proud of.

But there’s more to Pampa than just its history. This town offers a world of excitement for visitors and residents alike. From attending farmer’s markets to birdwatching at Lake Meredith National Recreation Area, from strolling through the historic downtown streets to teeing off at one of the nearby golf courses – Pampa has got it all. And with its family-friendly atmosphere and safe environment, Pampa is the perfect place for everyone who wants to experience the best of small-town America.

As far as getting around Pampa, the roads have minimal traffic, but there can be heavy winds on nearby highways, making driving tough for high-profile vehicles like trucks and RVs. Since these conditions can be risky, especially on nearby I-40, it’s essential to have sufficient Texas auto protection. Let’s explore how to find great plans in Pampa at affordable prices.

How Much Does Car Insurance Cost in Pampa, Texas?

State minimum required liability insurance in Pampa costs about $159, and full coverage auto insurance averages $44 monthly. These norms are similar to those of the state. The typical Texas motorist pays $169 monthly for full auto plans and $47 for state minimum plans.

Texas has lower overall prices than the rest of the nation, even in Pampa. The national monthly average for full protection for your vehicle is $215, and for minimum liability, it is $62.

What Does Full vs. Minimum Mean?

Full and minimum auto insurance typically refers to the amount of coverage in your policy. Most states have requirements insurers must follow, and you can purchase additional products for more benefits.

State-minimum premiums are cheaper and cover bodily injury and property damage you cause to others in an accident. However, liability-only plans have limitations that won’t pay for these expenses if you have them.

It’s ideal to purchase more than the baseline the state mandates, like adding uninsured/underinsured motorist insurance, because many people in Texas don’t drive with adequate policies. Full coverage includes liability, collision, and comprehensive benefits. Additional products help you in scenarios where minimum liability doesn’t.

Collision pays for damage to your vehicle, regardless of who was at fault in the accident, up to your policy limits. Comprehensive car insurance helps pay for non-collision events like fire, theft, or vandalism. Even if a tree falls on your vehicle, your policy will cover the damages up to the maximum amount outlined in the terms of your agreement.

Various factors affect which plan makes the most sense for you, so whether you choose the cheapest option, full coverage, or something in between, it’s always best to purchase products for your vehicle with a reliable insurer.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

Below is a comparison of how much people in Pampa pay for their auto premiums vs. in other Texas cities.

City Full Coverage Insurance Liability Insurance Coverage
Pampa $159 $44
Donna $181 $71
Anna $155 $56
Fate $168 $61
Katy $172 $66

Affordable Pampa Car Insurance Rates by Zip Code

Pampa, Texas, has only two zip codes. Because all residents share this commonality, the typical motorist in Pampa pays $44 per month for minimum liability and $159 for full coverage.

Zip code Full Coverage Insurance Liability Insurance Coverage
79065 $159 $44
79066 $159 $44

Low-Cost Car Insurance Rates by Age in Pampa

Pampa motorists between 30 and 79 pay between $138 and $153 for full coverage and between $49 and $62 for liability policies.

You’ll see that drivers under 25 have significantly higher pricing than other ages, which is intentional. Young and new drivers are more expensive to insure because they are riskier for providers. Statistically, motorists with less experience file more claims than other age groups and, as a result, pay more premiums. However, there are still plenty of ways to get cheap rates for young motorists.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $483 $154
20s $223 $62
30s $153 $43
40s $147 $42
50s $138 $41
60s $141 $45
70s $148 $49

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 Pampa

How Many Fatal Accidents Happen in Pampa?

Pampa is a small town with relatively safe driving conditions and, luckily, does not experience fatalities from auto accidents often. Between 2013 and 2021, six deaths occurred, as reported by the National Highway Traffic Safety Administration. Only one fatality occurred annually in six out of eight years.

These numbers are smaller than those of larger regions, although they are still significant. All Texans must have auto policies as mandated by the state, even if you don’t think you need one as a Pampa resident.

There are still risks beyond Pampa territory lines, so having an active policy keeps you on the right side of the law while ensuring you have support in case something unexpected does happen, whether you make a weekend trip up to Lake Meredith or visit a rodeo in another part of the Texas Panhandle.

How Are the Road Infrastructure and Bridges in Pampa?

Texas is assessed every year on its infrastructure, including public safety, road and bridge conditions, energy, and parks and recreation. In 2021, Texas’s parks and recreation departments received a “C-” grade. While this isn’t ideal, the state has implemented programs that should help improve this grade in the future.

Pampa is an agricultural community that contributes significantly to the nation’s economy through ranching and farming. Its residents enjoy outdoor activities like hunting and fishing in nearby Lake Meredith National Recreation Area, as well as local parks and golf courses. By prioritizing green spaces, Texas can continue to preserve its natural elements for the enjoyment of Pampa’s residents and visitors.

Minimum Car Insurance Requirements in Pampa

Every auto plan in Texas must have specific requirements outlined by state laws. In the Lone Star State, your policy must include:

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

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

Driving without insurance in Pampa is illegal and can lead to severe consequences. You may have to pay a fine of up to $350 for the first offense and an annual fine of $250 for three years to maintain your license. If you get caught multiple times, the penalties will be even harsher, and your license and registration could get suspended. Always keep a copy of your policy in your glove compartment to avoid such penalties.

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Find an office near you to help with your auto insurance

Factors Allowed in Pampa Car Insurance Rates

Underwriters use many personal details about you to determine your premium costs. In the past, insurers considered your gender a significant factor in your pricing. However, many providers are moving towards data-driven rates due to laws and regulations within each state, and other variables like your driving record are more heavily weighted.

Here are other qualities your provider looks at to calculate your pricing:

  • The kind of vehicle you drive – prices will vary for a luxury brand, an American-made SUV, and a sporty sedan
  • Your job title – certain professions might drive more than others, and some auto policies cover you for work-related driving
  • Your highest level of education can impact how much you pay
  • Your coverage and deductible amounts – lower deductibles usually mean higher premiums, and higher deductibles typically result in lower premiums
  • Your zip code – where you store your automobile matters to providers

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

All states have unique rules of the road, including the Lone Star State. Speed limits vary depending on the type of street and the area. Most highways in rural locations have a speed limit of 70-75 mph, and 55-65 mph in urban places. To ensure safety for all motorists, look for signage indicating how fast you’re legally allowed to drive, especially if you don’t frequently navigate those places.

Texas also takes driving under the influence very seriously. The legal blood alcohol concentration (BAC) limit is 0.08%, and DUI penalties can include fines, license suspension, jail time, and an SR-22 insurance requirement.

Maintaining road safety is easier when you know ways to prevent drinking and driving. Planning ahead by having reliable auto protection, ordering a ride-share service, or calling a cab or a trustworthy friend who can pick you up instead are all helpful ways to avoid unwanted penalties and get home safely.

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

Most providers offer auto protection discounts. You can save as much as 30% on your bill if you qualify.

Below are five common discounts for Pampa drivers:

Green icon of a hand with percentage sign

Insurers reward your loyalty by taking as much as 11% off your premium with a Customer Retention Insurance Discount

Blue icon of two cars

Multi-Car Discounts save you as much as 10%-25%

Pink icon of a thief

Anti-Theft Car Insurance Discounts save you between 5% and 30%

Hand with money paying an auto discount

You’ll save 5% when you pay your bill automatically each month with Auto Pay Car Insurance Discount

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Safe Driver Discounts can save as much as 30% off your bill

Did you know that when you package two or more plans with the same insurer, you can receive a Multi-Policy Insurance Discount? Adding renters insurance or homeowners insurance to your auto coverage can lower your monthly payments by as much as 25%.


Get an Online Quote for Car Insurance in Pampa Today!

Silhouette of working oil pumps on sunset background: Cheap car insurance in Pampa, Texas.

Enjoying Pampa’s parks, history, and community is easy when you have the right auto protection. Freeway Insurance offers policies that meet Texas’s minimum coverage laws and more at affordable prices. To see what products we offer to protect your vehicle, visit our website, stop by an office in Texas, or call 800 777-5620.