Cheap Car Insurance in Rockport, TX
Everything You Need to Know About Auto Insurance in Texas
Rockport, a coastal town in Texas, boasts a rich history dating back to the 1800s. Known for its art community, fishing opportunities, and proximity to beautiful beaches, Rockport is a popular destination for travelers and people seeking a relaxing getaway.
When exploring all that Rockport has to offer, reliable vehicle protection is crucial. Freeway provides affordable car insurance in Texas tailored to meet your specific needs and budget. Continue reading to delve deeper into coverage options in the region and unlock exclusive discounts.
How Much Does Car Insurance Cost in Rockport, Texas?
When looking for car insurance in Rockport, you will find that basic liability auto coverage costs around $46 per month, which is $6 below the national average of $52 and $1 less than Texas’ average of $47.
Opting for full car coverage in this region will likely land you a monthly fee of about $148. This premium is $21 above the Texas average of $169 and $20 higher than the national average of $168.
What Does Full vs. Minimum Mean?
There are many types of car insurance in Texas to choose from and two are liability only and full. Understanding these options is crucial in making the best decision that truly protects you.
On one hand, there’s minimum liability coverage, which is the basic insurance required by law in most states, including Texas. This option typically takes care of bodily injury and property damage caused to others in accidents where you’re at fault.
On the other hand, there’s full coverage, which offers a wider range of benefits. This includes liability, collision, and comprehensive coverage. Collision coverage helps pay for damages to your vehicle from accidents with other cars or objects, regardless of who is to blame. Comprehensive coverage, on the other hand, covers non-collision incidents like fire, theft or weather damage.
While minimum coverage meets legal requirements, full coverage provides additional advantages. Assess your needs and financial situation to determine which coverage suits you best. Keep in mind: choosing full coverage is a wise move, especially if you have a new or valuable vehicle.
Get a Quote for Car Insurance in Texas Today!
Affordable Car Insurance Rates Comparison by Cities in Texas
The next chart illustrates the differences in car insurance costs for Rockport drivers compared to those in other cities throughout Texas.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Rockport | $148 | $46 |
| Fort Worth | $152 | $46 |
| Allen | $156 | $48 |
| Sweetwater | $150 | $44 |
| Missouri City | $170 | $54 |
Affordable Rockport Car Insurance Rates by Zip Code
Your zip code affects how much you’ll pay for auto insurance. Insurers consider your location to determine your risk level and estimate your premiums. Since Rockport only has two zip codes, there might not be as much variation in coverage costs as in other cities. You can see for yourself in the table below:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 78336 | $150 | $46 |
| 78382 | $148 | $46 |
Low-Cost Car Insurance Rates by Age in Rockport
Finding affordable car insurance for young drivers can be tough if you’re new behind the wheel. Insurers see drivers under 23 as riskier, but don’t worry – you can save money. Shop around to compare rates and consider taking a defensive driving course.
In the following table, you can see the average costs of vehicle protection in Rockport by age.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $662 | $235 |
| 20s | $338 | $112 |
| 30s | $150 | $46 |
| 40s | $141 | $44 |
| 50s | $132 | $43 |
| 60s | $127 | $41 |
| 70s | $148 | $52 |
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 Rockport
How Many Fatal Accidents Happen in Rockport?
According to annual statistics provided by the Texas Department of Transportation, hundreds of car crashes are recorded in Rockport each year. In 2020, a total of 148 crashes were reported, with no fatalities. In 2021, the number of car crashes increased to 181, but thankfully, there were no fatalities in those incidents.
Unfortunately, in 2022, although the number of crashes decreased to 157, three lives were lost. This highlights the potential for any incident to have tragic outcomes. By learning how to avoid the 5 most common car accidents, you can stay out of these statistics and prioritize safety on the road.
How Are the Road Infrastructure and Bridges in Rockport?
Much of the infrastructure, including bridges and streets in Rockport, are currently undergoing improvement, repaving, or construction processes.
The city and the Texas Department of Transportation are carrying out various Capital Improvement Projects. An example of this is the elevation of the main lanes of State Highway 35 over Corpus Christi Street to reduce traffic and prevent car crashes, which is estimated to be completed by early 2026.
Minimum Car Insurance Requirements in Rockport
In Rockport, like the rest of the Lone Star State, the minimum liability requirements are set by Texas laws. Your plan needs to have the following included:
- Property damage liability insurance, with at least $25,000 per incident
- Bodily injury and death liability coverage per person involved and per accident, with a minimum of $30,000 per person and $60,000 per incident.
What Are the Penalties for Driving Without Insurance in Rockport, Texas?
If you’re caught driving without a car insurance plan in Rockport, you could be looking at some hefty penalties. It’s a misdemeanor to operate a vehicle without coverage in Texas, so it’s important to make sure you always have an active policy to steer clear of consequences like these:
- Potential fees of up to $350 and an additional $250 driver’s license surcharge annually for three years following your first offense
- Fines that could reach as high as $1,000 for subsequent offenses, along with another $250 driver’s license surcharge for three years
- You may also face a SR-22 insurance requirement and even up to six months of jail time if you’re involved in an accident.
Find an office near you to help with your auto insurance
Factors Allowed in Rockport Car Insurance Rates
Insurers take a close look at various aspects of your circumstances when figuring out your premium rates. Factors such as your age, zip code, gender, and even your occupation can play a part. Additionally, here are some other factors that insurers consider:
- Your level of education.
- Any recent traffic violations you may have received.
- The type of vehicle you own, such as a sedan or a SUV.
- Your deductible.
Insurance That Helps You Prepare for the Future: Benefits of Car Insurance
Having a vehicle plan safeguards you in the face of accidents, theft, or vehicle damage, providing coverage up to your plan’s maximum limits.
Here are some of the key benefits you get from having car insurance:
- Legal support: Car insurance can cover legal fees and court costs in the event of a lawsuit stemming from an accident, providing stability for your assets and finances.
- Emergency assistance: Auto coverage often includes roadside assistance services, providing help in case of breakdowns, flat tires, or lockouts.
- Rental car coverage: Many insurance policies offer coverage for a rental car while your vehicle is being repaired, ensuring you stay mobile even after an accident.
What Are the Best Discounts for Car Insurance in Rockport, TX?
Insurance companies provide discounts to help reduce your premiums. Were you aware that bundling two or more policies with the same insurer can decrease your overall expenses? Insurers encourage customers by offering savings of up to 25% when they buy multiple coverage plans, such as combining auto and homeowners insurance.
In Rockport, you can find some of the top types of auto insurance discounts, including:
Get an Online Quote for Car Insurance in Rockport Today!
Stop overpaying and enjoy the best cheap car insurance in Rockport with Freeway Insurance. Get a free quote online, visit us at our nearby insurance office in Texas, or connect with our friendly agents by calling 800-777-5620. Contact us and start traveling with confidence wherever you go!