Find Car Insurance in Del Rio, TX

What You Should Know About Car Insurance in Del Rio, Texas

The seat of Val Verde County, Del Rio, is a city located in the southwestern part of Texas in the area known as South Texas brush country. The city is located along the Rio Grande River, just across the border from Mexico. As of 2020, the city had a population of over 34,000.

The two largest employers in Del Rio are Laughlin Air Force Base, which was originally opened by the Army Air Corps in 1942, and Val Verde Correctional Facility. The area surrounding the city is known for the discovery of surviving cultural artifacts, including pictographs carved into caves. This artwork dates back at least 4,200 years.

If you live in Del Rio, the right insurance policy can help you protect your health and your property. A comprehensive auto policy can shield you from claims made by other parties when you are responsible for a motor vehicle accident.

How Much Does Car Insurance Cost in Del Rio, Texas?

There are different types of policies available in Del Rio, and each of them comes at a different cost. The state requires that you have a minimum amount of liability coverage, but you have the right to purchase more if that fits your needs. On top of liability coverage, carriers offer full coverage that pays for your losses in an accident.

Texans pay approximately $2,296 each year for full coverage auto insurance. When it comes to the yearly cost of liability-only policies, they pay $1,434. In Del Rio, the cost of insurance is lower than the state average. Liability-only policies run around $1,320 annually and full coverage costs roughly $2,200.

These amounts are close to what drivers pay nationwide. For full coverage, the average cost of full coverage for Texans is less than the national average of $2,314. The cost of minimum mandatory liability coverage is more than the $644 that drivers pay nationally each year.

At InsureOne, our agents offer options for liability insurance that fit your budget and your needs.

What Does Full Coverage vs. Minimum Liability Mean?

State law requires you carry liability insurance any time you drive, but you also have the option to purchase full coverage instead. Full coverage covers everything that liability policies do, plus offers additional protections. The downside is that they cost more.

Liability-only policies only protect you from claims made by other drivers when you are at fault in an accident. They will pay for any damage you cause to someone else’s vehicle and pay for their injuries, but it will not pay for your losses. Full coverage not only shields you from liability after an accident but also covers your medical costs and property repair bills up to the policy limits.

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
Del Rio	$183	$110
Houston	$206	$124
Spring	$181	$116
Lewisville	$156	$111
Weatherford	$150	$111

What Types of Car Insurance Discounts Are Available in Del Rio?

You can also save money on auto insurance by taking advantage of every available discount. Some of the best options include the following:

• Loyalty Discount
• Paperless Discount
• Veteran Discount
• Safe Driver Discount
• Multi-vehicle Discount

Notable Car Insurance Laws in Del Rio

Texas law has some notable requirements for all drivers, including those in Del Rio. Motorists must have a minimum amount of liability insurance when they get behind the wheel, and there are penalties that apply for those who fail to comply.

What Are the Mandatory Car Insurance Requirements in Del Rio?

In Texas, you must maintain a minimum amount of liability insurance if you plan on driving. Your policy is required to have a set amount of coverage for injuries and property damage. The minimum coverage required includes:

• $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 Del Rio?

It is a violation of the law to drive without auto coverage in Del Rio. Motorists without proper coverage face fines of up to $350 for a first offense. Second and further tickets can lead to a penalty of up to $1,000, but this violation does not carry the risk of jail time.

The expert agents at InsureOne are ready to assist you with finding a policy that meets your needs and satisfies state requirements.

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

There are no local laws that directly impact the cost of your car insurance in Del Rio. However, many other factors combine to determine what you can expect to pay. Some of those factors include the following:

• Your age. Young drivers and the elderly will usually pay more than everyone else.
• The type of car you drive. Some vehicles are more expensive to insure because they are involved in more accidents on average.
• Your education. Higher education levels can lower insurance costs.
• Driving history. Accidents and tickets on your record will make your policy cost more.

What Is the Best Car Insurance for Teenagers and Their Family in Texas?

Teen drivers are far more likely than other motorists to be involved in an accident. This is due to a number of reasons, from lack of experience to maturity. Because their parents are often on the hook for the damage they cause, full coverage auto insurance is a good idea for teens and their family.

When you have full coverage, you not only are shielded from personal injury claims from other drivers but also are entitled to benefits based on your own losses. If a teenager is in an accident, full coverage policies will repair or replace your vehicle.

How Many Car Accidents Happen in Del Rio Per Year?

There were a total of 727 vehicle accidents in Del Rio in 2023. Here is a comparison of annual Del Rio fatal accidents to other cities in Texas in 2023:

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

 

How Many Uninsured/Underinsured Motorists Are in Del Rio?

Texas has a high rate of uninsured and underinsured drivers. The Texas Department of Motor Vehicles reports that 20% of all drivers lack any coverage whatsoever. This does not consider the larger number of drivers with inadequate coverage, known as the underinsured. Accidents involving these drivers can be costly if you do not have full coverage.