What You Should Know About Car Insurance in Big Spring, TX

Big Spring was founded in 1882 upon the completion of the Texas and Pacific Railroad and incorporated as a city in 1907. The town began to bustle when oil was discovered in the area in the early ’20s, with a population increase from 4,273 in 1920 to 13,735 in 1930. Webb Air Force base was built during WWII and remained open as a training facility until the late ’70s, providing an economic boost to the city for several decades. Its current economy is not dependent on a specific industry, but healthcare, government, and education do play a prominent role.

Big Springs has two decent-sized lakes and eight parks, including the 400-acre Comanche Trail Park, where the city’s namesake spring is located. Howard College provides post-high school education to both in-state and out-of-state students. Contact an expert InsureOne agent to obtain the best auto insurance at the best price in Texas, and then travel to the city to see all it has to offer.

How Much Does Car Insurance Cost in Big Spring, Texas?

The average cost of a full coverage policy is approximately $2,019 yearly, compared to $2,014 nationally. You will pay about $565 yearly for minimum liability car insurance in Texas, which is well below the national average of $622.

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Why Is Insurance in Texas So Cheap?

Full coverage in Texas is right around the national average, but a minimum liability policy is nearly 10% less than the U.S. average. There are two basic attributes that may contribute to this. First, the rate of accidents per licensed driver in Texas is lower than average, so even though the state, overall, has a high crash rate, since insurers only pay out for licensed drivers, this mitigates the cost of coverage. Additionally, the cost of living in Texas is lower than in other states, which means that parts, labor, and repairs are typically cheaper, so insurers do not pay as much per claim as in other states.

Affordable Car Insurance Rates Comparison by Cities in Texas

Your locality plays an important role in how much you will pay for coverage. The following chart compares monthly rates between Big Spring and several nearby cities.

City Full Coverage Insurance Liability Insurance Coverage
Big Spring $151 $39
Lamesa $159 $37
Midland $146 $39
Odessa $162 $41
Sweetwater $150 $36

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

Every homeowner should consider bundling home and auto insurance, which simply means getting both policies from the same insurer. First, it streamlines your monthly bills, allowing you to make both payments at once instead of having to pay two separate vendors. Also, when you bundle, you can save as much as 25% on your premiums. Your InsureOne agent will put in all the effort required to get you affordable rates. They will shop your auto and homeowners insurance with multiple high-quality carriers and customize a package that maximizes your savings.

What Types of Car Insurance Discounts Are Available in Big Spring?

Insurers provide a host of discounts that lower your insurance premiums, some more significantly than others. Not all carriers offer every discount, but these are some common ones you might be able to use:

  • Paid-in-full discount
  • Safety feature discount
  • Paperless billing discount
  • Military discount
  • Good driver discount
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Notable Car Insurance Laws in Big Spring

Below, you will find some Texas insurance rules, requirements, and regulations that affect drivers in Big Spring and throughout the state.

What Are the Mandatory Car Insurance Requirements in Big Spring?

Each state has its own policy requirements that drivers must adhere to, and insurers must offer them at a minimum. In the Lone Star State, every driver is required to obtain at least the following minimum levels of coverage:

  • $30,000 liability coverage for bodily injury per person
  • $60,000 liability coverage for bodily injury per accident
  • $25,000 liability coverage for property damage

What Is the Penalty for Driving Without Insurance in Big Spring?

Driving without insurance is a big mistake. If you cause an accident and you are uninsured, you will have to pay out of pocket for property damages and injuries you cause. Even if you do not get into an accident, if an officer pulls you over and you do not have proof of coverage, you may face the following penalties:

  • $175 to $350 fine, possibly lower in cases of economic hardship
  • $350 to $1,000 fine for a second offense
  • A yearly insurance surcharge of $250 for three years
  • Possible license suspension
  • Possible vehicle impoundment

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

Texas gives insurers a lot of leeway regarding factors they can use when setting your premium rates. Here are some of the details they may use to determine how much to charge you:

  • Mileage: If you do not drive much, your insurer will consider you less likely than other drivers to get into a crash and will charge you less on your premiums.
  • Vehicle type: Every make and model costs a different amount to repair and replace. Therefore, your coverage cost will be affected by the type of car you are insuring.
  • Driving record: Carriers will check your record for moving violations and other infractions. The cleaner your history, the lower your rates will be.
  • Driving experience: The assumption is that as time passes, you gain more experience behind the wheel and are less likely to cause an accident.
  • Accident rates: Insurers check the accident rates in your zip code to determine their risk of insuring you based on the likelihood of you being involved in a crash.
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What Is the Best Car Insurance for Teenagers and Their Families in Texas?

New drivers — especially teens — are more costly than seasoned drivers. If you have a teen that needs coverage, consider the following to help mitigate costs:

  • If they are in school, look for a carrier that offers student discounts.
  • Consider getting them a more basic vehicle that is less costly to insure.
  • Get more than the state-required minimum policy, so if your teen does cause an accident, you will have better financial protection.
  • Add them to your policy rather than getting them their own policy.

At InsureOne, our expert agents help you and your teen find the best auto insurance with customizable options that best meet your needs.

Typical Driving Conditions in Big Spring

Highways like the 20, 87, and 176 get congested at times, as does the downtown area. Otherwise, traffic in Big Spring is pretty typical for a town its size. The Texas heat and sun before, after, and during the summer can cause visibility issues and may frustrate drivers.

How Many Car Accidents Happen in Big Spring Per Year?

The Texas Department of Transportation reports the following as total crashes in Big Spring and several nearby cities in 2023:

City Total Crashes
Big Spring 453
Lamesa 120
Midland 2,945
Odessa 3,093
Sweetwater 125

How Many Uninsured/Underinsured Motorists Are in Big Spring?

TexasSure, a state program aimed at reducing the number of uninsured drivers in the Lone Star State, estimates that in 2022, 20% of drivers in the state were uninsured, while statistics by the Insurance Information Institute show that 13.8% were uninsured in 2022.

Get Covered by the Best Car Insurance in Big Spring, Texas, Today!

There are highways, city-type business roads, and country-like roads in Big Spring — roads in excellent condition and roads in disrepair. Driving through the city can be pleasant, but you need a good policy to protect you financially in case of an accident.

Let our expert InsureOne agents show you our white-glove concierge insurance experience. Contact us, and we’ll customize a policy that is unique to your specific needs. Stop by one of our physical locations, call us at (800) 836-2240, or visit our website for the best coverage at the best prices available in Texas.