Find Car Insurance in Brenham, TX
What You Should Know About Car Insurance in Brenham, TX
Brenham is a charming town comprised of just over 13 square miles with a 2020 Census population count of 17,369. It is the home of the popular ice cream brand Blue Bell Creameries, but the city’s appeal lies in its suburban and rural landscape and community atmosphere. Surrounded by sprawling farmland and forested areas, the town calendar is loaded with daily events, ranging from preschool story time days to weekly rides at the antique carousel, the two-day Maifest, and the three-day Texas Arts and Music Festival.
An expert InsureOne agent will help you obtain the best auto insurance in Texas at affordable rates so you can join the festivities in Brenham without having to worry about the financial effects of getting into an accident along your journey.
How Much Does Car Insurance Cost in Brenham, Texas?
Car insurance in Texas is pretty affordable. Yearly premiums for a full coverage policy are approximately $2,019 — only $5 more than the U.S. average of $2,014. You will really do well with a minimum liability policy, which, at $565, is well below the national average of $622.
What Does It Mean If Brenham, Texas, Is an At-Fault City?
Texas is an at-fault state, and all of its cities must follow state law in this regard. In an at-fault state, when there is a car accident, the driver deemed to have caused the incident is responsible for paying for any damages caused to others, whether property damages or injuries. A no-fault state has similar laws; the difference is that in a no-fault state, regardless of who causes an accident, both parties must pursue costs related to personal injuries through their own insurer.
Affordable Car Insurance Rates Comparison by Cities in Texas
People living in different cities do not typically pay the same amount for coverage. The following chart compares monthly rates between Brenham and several nearby cities.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Brenham | $152 | $42 |
| Austin | $204 | $59 |
| Bastrop | $153 | $44 |
| Cypress | $176 | $56 |
| Houston | $215 | $63 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Brenham
There are many reasons why you should consider bundling your home and auto insurance with the same carrier. Firstly, it is easier to deal with one company than with multiple insurers. When you bundle, which simply means getting multiple policies with the same insurer, you give your information to a single carrier that processes all your details pertaining to the coverages you require, and they give you a quote. Additionally, after signing up, your bill management will be easier if you only have to make payments to a single vendor.
Another solid benefit is that through bundling, you could save anywhere from 5% to 25% on your auto and homeowners insurance. Getting a decent discount requires a lot of work. As part of InsureOne’s concierge services, an expert agent will shop both policies individually and as a bundle to get you a personalized package of policies at the best rates available.
What Types of Car Insurance Discounts Are Available in Brenham?
You can lower your insurance premiums significantly thanks to a host of discounts that insurers make available to their clients. While not every carrier offers every type of discount, these are some examples of what your insurer might provide:
- Anti-theft discount
- Defensive driver discount
- Usage discount
- Loyalty discount
- Premium upfront discount
Notable Car Insurance Laws in Brenham
Brenham relies on Texas law when it comes to insurance. The following are some of the state rules and regulations that affect local residents.
What Are the Mandatory Car Insurance Requirements in Brenham?
Every driver in Texas must be covered by a policy before they get behind the wheel. While the amount of coverage they get is discretionary, the state requires its residents to obtain 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 Brenham?
In addition to the personal financial consequences of not following the rules and driving while uninsured, Texas law mandates these fines and penalties for operating a vehicle without a state minimum liability policy in place:
- $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 Brenham-Specific Laws Play a Role in Determining Your Insurance Premiums?
Texas law allows insurers to use many different details about you and your vehicle as they calculate their risk exposure and potential expenses. These are some of the factors they may use:
- Vehicle safety rating: The presumption is that if your vehicle has a good safety rating, you will be cheaper to insure because you will get into fewer crashes and cause less damage.
- Probability of theft: Each make and model carries its own likelihood of getting stolen. A vehicle that is more prone to theft will cost more to insure, and vice versa.
- Options you choose: You might decide to add additional coverages, like 24/7 roadside assistance or rental car reimbursement. The more you add, the higher your premiums.
- Gender: Statistically, men are more likely than women to cause an accident, so insurers may charge more for males than females. Not every state allows this, but Texas does.
- Marital status: Married individuals are less likely than singles to cause an accident, so they pay slightly less for coverage. This is another factor that not every state allows insurers to use.
What Happens If I Damage Property?
Causing an accident is an unpleasant, confusing experience. Knowing what to do in advance can keep you calm and ease the process. After an accident, unless your vehicle is already in a safe location, move it to the side of the road if possible. Take as many pictures as you can of the site and the damage you caused so that you have proof later in case someone claims that the damage was more extensive.
If there was any bodily injury, a fatality, or if you cannot move your car to the side of the road, Texas law requires you to call the police immediately. Officers at the scene will write up a report, which will be available to you and your insurer within days. Call your insurer to let them know about the accident so they can help you start processing a claim. If the damages are minimal, you can choose to locate the property owner and compensate them directly without going through your insurance.
At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs. They connect you with top-tier carriers who will provide full guidance and take the confusion out of dealing with an accident.
Typical Driving Conditions in Brenham
Brenham does not have a major business district and is not subject to rush-hour traffic locally. Being centrally located between Austin and Houston, many commuters pass through the city using 290 East and West to get to those major cities. Although the highways do see some congestion, the impact on local driving is minimal.
How Many Car Accidents Happen in Brenham Per Year?
The Texas Department of Transportation reports the following as total crashes in Brownsville and several nearby cities in 2023:
| City | Total Crashes |
|---|---|
| Brenham | 408 |
| Austin | 12,138 |
| Bastrop | 274 |
| Cypress | 2 |
| Houston | 67,644 |
How Many Uninsured/Underinsured Motorists Are in Brenham?
The percentage of uninsured drivers in 2022 ranged from 13.8%, based on a report by the Insurance Information Institute, to an estimated 20%, according to TexasSure, a division of the state’s DMV. Both numbers are high enough that drivers should feel compelled to obtain uninsured motorist coverage in case a driver who does not have insurance crashes into them.
Get Covered by the Best Car Insurance in Brenham, Texas, Today
You may feel calm and peaceful as you drive through the quiet streets of Brenham on your way to your next event. Make that trip even more enjoyable by making sure you have a good auto policy in place.
Our expert agents at InsureOne will provide personalized services and help you make the right choices as you obtain the best car insurance at the best prices to protect yourself and your family. Stop by one of our physical locations, call us at (800) 836-2240, or visit our website to get started.