Find Car Insurance in Corsicana, TX
What You Should Know About Car Insurance in Corsicana, Texas
Corsicana is the county seat of Navarro County, Texas. It is located along Interstate 45, approximately 50 miles southeast of Dallas. The town is home to approximately 25,000 residents and is most famous for Navarro College. This small junior college became known internationally for its cheerleading program thanks to the docuseries “Cheer.”
For many years, the oil and gas industry was central to Corsicana’s economy. As the wells dried up, the city shifted to an important agribusiness center. There are also several large manufacturers in the area, including Russell Stover Candies, which employ a large segment of the population.
If you live in Corsicana, having the right protection is crucial. A comprehensive auto insurance policy could cover your damages in an accident and shield you from claims made by other drivers.
How Much Does Car Insurance Cost in Corsicana, Texas?
You have choices to make when you purchase your next auto insurance policy. While state law requires you to have a minimum amount of liability coverage, it is often a good idea to carry more than the minimum. This will ensure you will not be left personally liable for another driver’s damages after a crash. Alternatively, you could buy a full coverage policy that protects you from third-party claims and also pays for your damages. The downside is that these policies cost more.
On average, Texans pay $2,426 each year for full coverage auto insurance, while the average annual cost of liability-only policies is only $693. The cost of a policy in Corsicana is less than the state average. Liability-only policies cost around $504 annually, while full coverage costs roughly $1,800.
These amounts are close to the national average. Regarding full auto coverage, Texans pay slightly more than the national average of $2,314. The cost of minimum liability coverage is also above the $644 per year that drivers must pay nationwide.
At InsureOne, we will work tirelessly to provide you with options for the liability insurance that fits your needs. Our agents can also offer multiple policies that fit within your budget.
What Does Full Coverage vs. Minimum Liability Mean?
The difference between full coverage and minimum liability policies is important to understand. Liability only protects you from claims made by other people. If you are responsible for causing an accident, this type of insurance will pay for the damages of the other driver.
Liability insurance is mandatory under state law, meaning there is a minimum amount of coverage every driver must purchase. Many people choose to buy more than the minimum, given that higher policy limits provide more protection.
Full coverage auto insurance pays for more than just third-party claims. In addition to paying for damage you cause to another driver, this coverage also covers your own losses regardless of who is at fault. Full coverage comes with higher monthly premiums compared to liability policies.
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 |
|---|---|---|
| Corsicana | $150 | $42 |
| Houston | $206 | $124 |
| Spring | $181 | $116 |
| Lewisville | $156 | $111 |
| Weatherford | $150 | $111 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Corsicana
Bundling is the process of purchasing two or more types of insurance policies from the same carrier. For example, you could bundle your auto and home protection with InsureOne. The benefit of bundling is that you receive a discount of up to 25% on each of the policies you buy.
Bundling auto and homeowners insurance packages does more than save you money. It also simplifies the claims process since you only have one company to deal with whenever you have a policy issue.
What Types of Car Insurance Discounts Are Available in Corsicana?
Taking advantage of all available discounts is one of the best ways to save money on your bill. Some of the discounts that InsureOne offers include the following:
- Student Discount
- Paperless Discount
- Veteran Discount
- Safe Driver Discount
- Multi-vehicle Discount
Notable Car Insurance Laws in Corsicana
Texas requires all drivers to carry a minimum amount of auto liability insurance. Those who do not meet this minimum requirement face financial consequences, including fines and the risk of being held liable for any damage they cause.
What Are the Mandatory Car Insurance Requirements in Corsicana?
Texas law requires motorists to have a minimum amount of liability coverage. The policies must have a minimum amount of coverage for bodily injuries and property damage. This is only the minimum coverage required, as many drivers opt for more protection:
- $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 Corsicana?
There are consequences if you drive without auto coverage in Texas. Drivers in Corsicana who lack the minimum amount of liability insurance risk being fined. If found guilty, you must pay a fine of $350 for your first offense. Second and subsequent offenses carry a maximum fine of $1,000. This offense does not carry the risk of jail time.
The expert agents at InsureOne can help you buy a policy that meets these requirements and protects you in case of an accident.
Do Corsicana-Specific Laws Play a Role in Determining Your Insurance Premiums?
Local regulations and ordinances do not play a role in determining the cost of your premiums. However, there are many other factors that go into determining what you will pay each month, including the following:
- Your age. The younger you are, the more you will pay for car insurance. Elderly drivers will also see their premiums rise over time.
- The type of car you drive. Some cars are more likely to be in accidents than others. It costs more to insure a sports car than a minivan.
- Your education. The higher your education level, the less you will pay for car policy.
- Your zip code. The zip code you live in can impact the cost of your policy. You will pay more if there are a lot of accidents in your zip code.
Auto Insurance Rates for Young Drivers vs. Older People in Texas
For the most part, younger drivers can expect to pay more for their policy. This is because, statistically, young drivers are far more likely to be involved in a collision than older motorists. Teenagers pay the most by far, with rates slowly dropping as drivers enter their 20s.
On average, the cost of car insurance will continue to fall as a person gets older. Once drivers reach their 70s, those costs begin to rise again due to their increased risk of accidents.
Typical Driving Conditions in Corsicana
Corsicana is a relatively small town, meaning traffic is not overwhelming. However, accidents still happen here, especially given its proximity to a state highway. In addition to traffic, there is also the weather to consider. While there is little risk of ice or snow, it is important to protect your automobile from the heat in Corsicana.
How Many Car Accidents Happen in Corsicana Per Year?
There were a total of 564 vehicle accidents in Corsicana in 2023. Here is a comparison of annual Corsicana fatal accidents to other cities in Texas in 2023:
| City | Annual Average Number of Fatal Car Crashes |
|---|---|
| Corsicana | 4 |
| Dallas | 205 |
| Allen | 2 |
| Abilene | 7 |
| Austin | 88 |
How Many Uninsured/Underinsured Motorists Are in Corsicana?
The unfortunate reality is that Texas has a large number of uninsured and underinsured drivers. In fact, it has one of the highest rates of uninsured drivers in the country. The Texas Department of Motor Vehicles reports that 20% of all drivers lack any liability coverage. That does not take into account drivers who have the minimum coverage that may not pay for the full cost of an accident.
Get Covered by the Best Car Insurance in Corsicana, TX Today
InsureOne provides Corsicana residents with expert agents offering white-glove service. We give our customers a top-tier, one-stop insurance shopping experience, comparing quotes from multiple carriers to find the best policy at a great price.
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.