What You Should Know About Car Insurance in Alice, Texas

Originally known as Bandana, this town of a little over 19,000 residents was eventually renamed Alice after the daughter of a long-time local rancher. It is the seat of Jim Wells County and is located 126 miles south of San Antonio and about 100 miles east of Laredo.

Alice may be best known as the birthplace of Tejano music in the 1940s. Ideal Records, which was created to exclusively record Tejano artists, was founded in Alice and went on to play a vital role in spreading the popularity of the music throughout the 70s and 80s.

If you call Alice home, your best bet is to protect your vehicle and yourself with auto insurance that meets all your needs. The expert agents of InsureOne can help you secure the best auto insurance at the best price in Texas.

How Much Does Car Insurance Cost in Alice, Texas?

You have options when it comes to the type of car insurance you purchase. The law requires that you carry a minimum amount of liability insurance to pay for any claims made by other drivers after a crash. However, you could also obtain a full auto policy that pays for your losses in a crash.

The average Texas resident pays $2,019 annually for full auto policies, which works out to roughly $168 per month. For liability insurance coverage, the average annual premium is around $565.

The cost of insurance in the Lonestar State is slightly higher than the national average. Across the country, the average driver pays $2,134 annually for full coverage. They spend around $644 per year for the minimum amount of liability insurance required by law.

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What Does It Mean If Texas Is a No-Fault/At-Fault State?

Texas is an at-fault state as opposed to a no-fault state. That means when you are involved in an accident caused by another party, you have the opportunity to hold them accountable. Your injuries and damages should be covered by their liability policy.

No-fault states are different in that drivers are generally required to file a claim with their own insurance carrier instead of holding the at-fault party responsible. In many jurisdictions, this type of coverage offers less in the way of compensation than a successful negligence claim.

No matter the state you are in, it is important to have auto coverage that protects you. This is especially true in Texas, where many drivers lack adequate liability coverage. The right policy can keep you from having to pay for this loss out of your own pocket.

Car Insurance Rates Comparison by Zip Code in Alice

Below is a comparison of the average monthly premiums paid in various cities across Texas.

City Full Coverage Insurance Liability Insurance Coverage
Alice $150 $82
Houston $206 $124
Spring $181 $116
Lewisville $156 $111
Weatherford $150 $111

How Bundling Your Car and Homeowners Insurance Can Save You Money in Alice

You have the chance to save money on your insurance bill when you bundle your policies with InsureOne. Bundling means purchasing two or more different types of insurance policies from the same company. For example, you might bundle your auto and home protection and save up to 25% off your total bill.

When you bundle your auto and homeowners insurance packages with InsureOne, you will save both time and money. Managing your policies and claims is much easier when you only have one company with which to deal.

Bundling is a great way to save money, but you should get quotes from multiple companies before you commit. InsureOne agents can customize your packages so you get competitive pricing and a policy that meets all your needs.

What Types of Car Insurance Discounts Are Available in Alice?

One of the best ways to save money on your car insurance is by taking advantage of policy discounts. Often, drivers will qualify for multiple options, each of which will lower their bill. Some examples include:

  • Good Student Discount
  • Paperless Discount
  • Safe Driver Discount
  • Loyalty Discount
  • Veterans Discount
  • Auto Pay Discount
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Notable Car Insurance Laws in Alice

Like all states, Texas has enacted regulations related to auto insurance. Drivers are required to carry a minimum amount of liability coverage, and there are costly consequences for driving without a policy.

What Are the Mandatory Car Insurance Requirements in Alice?

As an at-fault state, Texas requires drivers to carry a minimum amount of liability insurance every time they drive on public roads. This type of coverage is intended to pay for any third-party claims when the insured driver is at fault for an accident. These policies must meet the following coverage guidelines:

  • $30,000 for bodily injuries per person
  • $60,000 for bodily injuries per accident
  • $25,000 for property damage per accident

What Is the Penalty for Driving Without Insurance in Alice?

Under Texas law, it is illegal to drive without auto coverage. Drivers in Alice who operate a vehicle without coverage will face the consequences if they are pulled over and ticketed. For your first offense, you will pay a one-time fine of up to $350. Second and subsequent offenses carry a penalty of as much as $1,000. You may even face jail time if you cause a collision.

To avoid these consequences and protect yourself following a car crash, you could benefit from seeking support from the expert agents at InsureOne. They can assist with managing your policies and making sure your coverage never lapses.

Do Alice-Specific Laws Play a Role in Determining Your Insurance Premiums?

The city of Alice does not have any specific ordinances that directly impact the cost of your insurance. However, insurers use a wide range of factors when considering what to charge you. Some of those factors include the following:

  • The kind of car you drive. Foreign cars and sports cars are going to cost more to insure compared to vehicles like domestic minivans.
  • Your age. Teenagers and drivers in their early 20s will pay far more for insurance compared to other adults. As you get older, the cost of insurance drops until you reach your 70s.
  • Your level of education. Your insurance bill could be less based on your educational background. For example, you could see your bill lowered if you obtain a degree from the Alice branch of Coastal Bend College.
  • Your driving frequency. If you drive your car frequently, you can expect to pay more for your premiums.
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What Happens If I Damage Property?

If you are involved in an accident and damage someone else’s property, you might be on the hook for the cost of repairs. Of course, not every driver is liable for the accidents they are involved in. If another party’s negligence is to blame, you are not on the hook for any of the repair costs.

If you are responsible for striking a parked car or a fence, you are liable for the damages. This could involve repairing or replacing the property, depending on the circumstances. If you have liability insurance, your policy will cover these losses up to the maximum value of your policy. However, only full coverage will pay for your losses in the crash.

Typical Driving Conditions in Alice

Driving conditions are calm given the size of Alice and its relatively low traffic. While U.S. Route 281 skirts the western city limits, the town itself is primarily limited to local traffic.

Weather conditions are mild outside of high temperatures. Alice can expect around 30 inches of precipitation each year, but it rarely comes in the form of snow. In fact, it has not snowed in the city of Alice since 2017. The city also has limited seismic activity, with only two notable earthquakes since the 1990s.

Regardless of these issues, it is vital to protect your automobile from the heat and remain alert behind the wheel to avoid collisions.

How Many Car Accidents Happen in Alice Per Year?

The city of Alice releases information about accidents in the city each year. In 2023 alone, there were 3,004 motor vehicle collisions in city limits.

Here is a comparison of annual Alice accidents to other cities in Texas using statistics from April 2024:

City Annual Average Number of Fatal Car Crashes
Alice 1
Dallas 205
Allen 2
Amarillo 23
Austin 92

How Many Uninsured/Underinsured Motorists Are in Alice?

Texas is known for its high rate of uninsured and underinsured drivers. The state has one of the highest rates of uninsured drivers in the country. According to the Texas Department of Motor Vehicles, roughly 20% of all drivers are uninsured. That number is even higher when you consider motorists with policies that do not cover the full value of a collision.

Driving without insurance in Texas is risky. Not only are you at risk of paying costly fines but you could also be stuck with the bill if you are responsible for a collision with another driver.

Get Covered by the Best Car Insurance in Alice, TX Today

InsureOne offers expert agents who provide white-glove service based on your insurance needs. We offer a top-tier, one-stop insurance shopping experience to ensure Texas drivers get the policies they need.

We can save you time and money by researching policies and pricing. Get a quote online, visit us at an office near you near you, or call us at (800) 836-2240 for a quote.