What You Should Know About Car Insurance in Andrews, Texas

Roughly 30 miles east of the New Mexico border lies Andrews, a small town in the Texas Panhandle. The city was first incorporated in 1937 and is the seat of Andrews County. As of 2023, there were approximately 14,000 residents living in Andrews.

The city of Andrews is a transportation hub, with U.S. Highway 385 and State Highways 115 and 176 running through the city. Andrews is surrounded by a ring road known as Loop 1910, which allows commercial vehicles to skirt around the city streets.

With this much motor vehicle traffic, it is crucial for Andrews residents to have adequate protection. An auto insurance policy can protect you from claims made by other drivers and cover the cost of your losses in an accident.

How Much Does Car Insurance Cost in Andrews, Texas?

There are different insurance options available to you in Andrews. While the state requires you to carry a minimum amount of liability coverage, you have the option to purchase additional protection. Liability only pays for any damage you cause to other drivers when you are at fault for a collision. You will need full coverage for your insurance to also pay for your own losses. The tradeoff is that full coverage costs more per month in premiums.

On average, Texans pay $2,019 per year for full coverage auto insurance and $565 annually for minimum liability coverage. The cost of insurance in Andrews is lower than the state average. In Andrews, liability-only policies work out to around $456 annually, while full coverage will cost you $1,812.

These amounts are lower than the national average. When it comes to full auto coverage, Texans pay slightly less than the national average of $2,014. The cost of minimum coverage is also lower than the $622 per year that drivers must pay nationally.

You have a lot of options when it comes time to insure your vehicle. At InsureOne, we can help you review your options and find the liability insurance you need. We can also advise you on other coverage options to determine what is best for you and your family.

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What Does Full Coverage vs. Minimum Liability Mean?

There are two different types of policies for your car in Andrews, and the right one comes down to your own preferences. While you are required to purchase a minimum amount of liability coverage, anything beyond that is up to you, including a full coverage policy from InsureOne.

Liability insurance is designed to protect you when other drivers sue you over an accident. If you were at fault, you could be personally liable for the other party’s medical bills, lost wages, or pain and suffering. This policy pays for those damages and covers the cost of third-party claims, up to your policy limits. Of course, the minimum amount of coverage required by the state is often less than the full cost of an accident. You are entitled to purchase higher policy limits.

Full coverage does more than just pay for your accidents. It also covers your own claims, regardless of who was at fault. Your policy might not only pay for the repair of your damaged vehicle. It is important to have auto coverage that protects your vehicle while fitting into your budget.

Affordable Car Insurance Rates Comparison by Cities in Texas

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

City Full Coverage Insurance Liability Insurance Coverage
Andrews $151 $38
Houston $201 $63
Spring $158 $48
Lewisville $154 $46
Weatherford $148 $41

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

A great way to save money on your monthly insurance bill is by bundling multiple policies with InsureOne. Bundling involves buying two or more different types of insurance from the same company. The benefit of this approach is that you can get a discount on each of them. For example, when you bundle your auto and home protection with InsureOne, you save up to 25%.

Bundling auto and homeowners insurance packages can save you more than just money. It can also reduce the amount of time and stress that comes with managing policies and claims. Dealing with a single insurance company for all of your issues can make life simpler.

What Types of Car Insurance Discounts Are Available in Andrews?

Discounts are another great way to save on your car insurance. Some of the discounts that InsureOne offers include the following:

  • Military / First Responder Discount
  • Safe Driver Discount
  • Student Discount
  • Green Discount
  • Multi-vehicle Discount
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Notable Car Insurance Laws in Andrews

Texas law requires drivers to have a minimum amount of liability insurance when they get behind the wheel. Drivers who fail to do so can face costly consequences.

What Are the Mandatory Car Insurance Requirements in Andrews?

Texas requires motorists to have a certain amount of liability insurance whenever they drive in the Lonestar State. These are only minimums, and many motorists opt for more protection. The mandatory guidelines include:

  • $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 Andrews?

You can face costly consequences in Texas if you choose to drive without auto coverage. Motorists in Andrews without the minimum amount of liability insurance risk being ticketed and fined. You will pay a one-time fine of up to $350 for your first offense, but second and subsequent offenses carry a penalty of up to $1,000. You may face jail time, depending on the circumstances.

The expert agents at InsureOne can help you get coverage that can protect you from third-party claims and pay for your losses after an unexpected accident.

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

In general, local ordinances do not factor into the cost of your car insurance. However, there are many other factors that can play a major role in determining what you will pay each month. Some common examples include the following:

  • Your age. Younger drivers, including teenagers and those in their early 20s, can count on paying much more each month due to the increased risk of accidents. As you get older, the cost of your policies will go down.
  • The type of car you drive. Sports cars will generally cost more to insure than sturdier vehicles, like minivans.
  • Your education. Your insurance bill might be lower if you have an advanced degree versus a high school diploma.
  • Your driving frequency. The less you drive, the less you pay each month.
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Here Is What You Need to Know When Driving in Texas

Texas is a beautiful state to drive in, but it is important to remember that a surprising number of the people you share the road with do not have insurance. Texas has one of the highest rates of uninsured drivers in the nation, meaning you could be paying for your accident on your own.

There is also a large number of underinsured drivers to consider. Even though they have a policy in place, their small amount of coverage may not pay for everything related to your accident. Given this reality, having additional coverage of your own in Texas is a good idea.

Typical Driving Conditions in Andrews

Despite its size, traffic can be heavier than you might expect in Andrews due to its proximity to three major highways. While much of that traffic is limited to the loop outside of the town, a decent number of travelers make their way into Andrews every day. These motorists represent a constant accident risk.

The weather in Andrews can impact driving abilities. While there is rarely any snow or accumulated precipitation, the heat can have a harmful impact on you and your vehicle. It is crucial to protect your automobile from the heat and drive carefully within the city.

How Many Car Accidents Happen in Andrews Per Year?

There were a total of 174 vehicle accidents in Andrews in 2023. Here is a comparison of annual Andrews fatal accidents to other cities in Texas in 2023:

City Annual Average Number of Fatal Car Crashes
Andrews 0
Dallas 196
Allen 2
Abilene 7
Austin 88

 

How Many Uninsured/Underinsured Motorists Are in Andrews?

Texas has more uninsured drivers than most other states. According to the Texas Department of Motor Vehicles, one out of every five motorists on the road lacks coverage, and that number is larger when you account for underinsured drivers.

Get Covered by the Best Car Insurance in Andrews, Texas Today

InsureOne provides Andrews residents with expert agents known for their white-glove service. We have a top-tier, one-stop insurance shopping experience that ensures Texans get the coverage they need at a price they can afford.

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.