What You Should Know About Car Insurance in Brownwood, TX

With a population of over 19,000, Brownwood is the seat of Brown County, Texas. It is located in the region known as the Texas Hill Country, where it has been home to Howard Payne University since 1889. The school has over 1,100 students on campus each year.

The city is a popular travel hub due to its location on several major highways. U.S. Routes 84 and 67 cross through the city, and Route 377 exits Brownwood south toward the town of Brady. The Brownwood Regional Airport also serves the city.

If you live in Brownwood, now is a good time to protect yourself and your property with a strong auto policy. Your auto insurance policy can pay for any damages that occur in a crash while also shielding you from liability if you are at fault.

How Much Does Car Insurance Cost in Brownwood, Texas?

There are different options available when it comes to buying auto coverage in Brownwood. State law requires drivers to maintain a minimum amount of liability insurance, which protects them from third-party claims when they are responsible for an accident. However, many drivers opt to pay more in premiums each month for additional protection.

Texans pay, on average, $2,496 annually for full coverage auto insurance, compared to $693 annually for minimum liability coverage. These costs are slightly more than the state average in Brownwood, where liability-only policies cost around $456 and full coverage costs roughly $1,824.

These amounts are close to the national average. Regarding full auto coverage, Texans pay slightly above the national average of $2,314. The expense of minimum liability coverage is more than the $644 per year that drivers pay nationally.

At InsureOne, we are here to help you review all your options and find the liability insurance that fits your needs and budget. Our expert agents are here to answer your questions and provide you with multiple policies from which to select.

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What Does Full Coverage vs. Minimum Liability Mean?

The only type of insurance the government requires you to purchase is a minimum level of liability coverage. These policies do not protect your assets or pay for your losses. Instead, they pay out liability claims against you from other drivers when you are at fault in an accident. While this is the only type of insurance you are required to have, many choose additional coverage.

Full coverage policies do more than provide liability protection. They not only shield you from third-party claims but also pay for your own damages when you are involved in a crash. This includes the cost of repairing your vehicle and even your medical expenses. What’s more, you can file a claim regardless of fault.

Car Insurance Rates Comparison by City in Texas

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

City Full Coverage Insurance Liability Insurance Coverage
Brownwood $152 $38
Houston $206 $124
Spring $181 $116
Lewisville $156 $111
Weatherford $150 $111

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

There are few better ways to save money on insurance than by bundling policies. Bundling involves purchasing two or more insurance policies from the same carrier. For example, you could bundle your auto and home protection with InsureOne and save as much as 25% on both.

Bundling auto and homeowners insurance packages can save time as well as money. Managing policies and claims is much easier when you are dealing directly with only one carrier for multiple policies.

What Types of Car Insurance Discounts Are Available in Brownwood?

Saving money on your car insurance usually starts with taking advantage of all available discounts. InsureOne offers include the following:

  • Safe Driver Discount
  • Military Discount
  • Student Discount
  • Green Discount
  • Loyalty Discount
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Notable Car Insurance Laws in Brownwood

Texas law requires drivers to have a minimum amount of liability insurance coverage before they get behind the wheel. The state also set out penalties for those who don’t comply.

What Are the Mandatory Car Insurance Requirements in Brownwood?

Texas sets out a minimum amount of coverage drivers are required to have before they can legally drive in Brownwood. These policies must have minimum coverage for both bodily injury and property damage claims. The guidelines include the following:

  • $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 Brownwood?

If you are caught driving without auto coverage in Texas, you can expect to face monetary consequences. For a first-time offense, the maximum fine is $350. That amount increases to $1,000 for second and subsequent convictions. However, there is no risk of incarceration in these cases.

The expert agents at InsureOne can help you find coverage that protects what is important and helps you avoid these costly fines.

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

There are no city ordinances or regulations that directly impact what your monthly premiums will cost. Many factors play a role, however. Some of the most common include:

  • Your age. Younger drivers always pay more than older drivers. The highest costs are for teenagers and people in their early 20s.
  • Your accident history. You can expect to pay more if you have been in accidents in the past.
  • The type of car you drive. Some cars are more expensive to insure than others. For example, sports cars are considered high-risk compared to station wagons.
  • Your zip code. You may pay more for your car insurance if there are a high number of accidents in your zip code.

Insurance That Helps You Prepare for the Future

Preparing for the future means managing risks and taking the steps necessary to protect yourself and those you love from the unexpected. When you have adequate insurance, you can live with the peace of mind that comes with knowing you are protected should another driver sue you after an accident. If you have full coverage, you can also avoid unexpected future expenses by having your policy cover the cost of the crash.

At InsureOne, our expert agents can provide you with the best insurance and customization options to meet your needs.

Typical Driving Conditions in Brownwood

Brownwood is a booming city with heavy traffic — especially when it is game day for one of the area’s many professional sports teams. Navigating this gridlock is part of life in Brownwood, and it can dramatically impact your chances of a collision.

Like the rest of Texas, you can also count on experiencing significant heat in Brownwood, which can affect the condition of your vehicle. It can be helpful to protect your automobile from the heat in Brownwood.

How Many Car Accidents Happen in Brownwood Per Year?

There were a total of 374 vehicle accidents in Brownwood in 2023. Here is a comparison of annual Brownwood fatal accidents to other cities in Texas in 2023:

City Annual Average Number of Fatal Car Crashes
Brownwood 0
Dallas 196
Allen 6
Abilene 7
Austin 88

 

How Many Uninsured/Underinsured Motorists Are in Brownwood?

Texas has one of the highest percentages of uninsured and underinsured motorists in the nation. According to the Texas Department of Motor Vehicles, one out of five drivers is not insured. Even more, drivers carry the minimum amount of coverage but lack the resources to pay the full value of a claim.

Get Covered by the Best Car Insurance in Brownwood, TX, Today!

InsureOne provides Brownwood residents with access to expert agents known for their white-glove service. We offer top-tier, one-stop insurance shopping experiences where we compare quotes from multiple insurance companies.

InsureOne is here to save you time and money by researching policies and reviewing pricing options. Get a quote online, visit us at an office near you near you, or call us at (800) 836-2240.