Find Car Insurance in Dumas, TX

What You Should Know About Car Insurance in Dumas, Texas

The seat of Moore County, Dumas is a city in Texas located approximately 40 miles north of Amarillo. The main thoroughfare of the street doubles as U.S. Highways 87 and 287, which leads to more traffic than you might expect in a town of roughly 14,000 residents.

One of the city’s claims to fame is that the famous 1920s song “I’m a Ding Dong Daddy from Dumas” was written about it — a claim disputed by a town with the same name in Arkansas. The largest employer in the area is a meatpacking plant, with other agricultural businesses making up the majority of employment.

If you live in Dumas, finding the right car insurance can protect you when the heavy traffic from local highways leads to an accident. A strong auto insurance policy can shield you from personal injury claims made by other drivers if you are at fault for a crash.

How Much Does Car Insurance Cost in Dumas, Texas?

In Dumas, you have different options for purchasing auto insurance. State law requires that you carry a minimum amount of liability coverage, but you may purchase more to ensure you are fully protected in case of an accident. You can also voluntarily buy full coverage, which not only shields you from liability when you cause an accident but also pays for your own damages.

In Texas, drivers pay around $2,296 annually for full coverage. The annual cost of liability-only policies averages out to around $724. The cost of auto insurance in Dumas is a little higher than the state average. Liability-only policies total $735 each year, and full coverage costs $2,387.

These amounts are close to what drivers pay nationwide. For full coverage, Texas residents pay less than the national average of $2,314. It is worth noting that the cost of minimum mandatory liability coverage is above the $644 for drivers nationally.

At InsureOne, we provide options for liability insurance that meet your needs. Our agents can also offer an array of policy options that are budget friendly.

What Does Full Coverage vs. Minimum Liability Mean?

There are important decisions to make when you purchase your next auto insurance policy. Will you stick with the minimum amount of liability coverage required by the state or select a more comprehensive option?

Minimum liability insurance only protects you from claims from other drivers when you are at fault for a crash. If you are sued, these policies will pay for the damage you caused up to the limits of your policy. For additional protection, you can purchase a policy with limits beyond the minimum required.

Alternatively, you could go with full coverage auto insurance. These policies cost more, but they also provide you with more protection after an accident. Not only do they shield you from liability, but they also pay for your losses, including vehicle repairs and medical bills.

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
Dumas	$200	$126
Houston	$206	$124
Spring	$181	$116
Lewisville	$156	$111
Weatherford	$150	$111

What Types of Car Insurance Discounts Are Available in Dumas?

Another important way to save on your insurance bill is by taking advantage of every available discount. Some of the most popular options include the following:

• Paperless Discount
• Good Student Discount
• Safe Driver Discount
• Veteran Discount
• Loyalty Discount

Notable Car Insurance Laws in Dumas

Texas law sets out minimum requirements for liability insurance coverage. If you do not have the right policy, you could face monetary fines and other costly consequences.

What Are the Mandatory Car Insurance Requirements in Dumas?

In Texas, drivers are obligated to maintain a certain amount of liability insurance in order to drive. The policy you purchase must have at least the following amount of coverage:

• $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 Dumas?

It is a violation of Texas law to drive without auto coverage. If you fail to comply, you could be on the hook for a fine of up to $350 for the first offense. Second and subsequent offenses can add up to $1,000. There is no risk of jail time with this offense, but you could find yourself paying for an accident on your own if you lack the appropriate coverage.

The expert agents at InsureOne can assist you in finding a policy that meets your needs and your budget.

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

There are no ordinances enacted by the city of Dumas that have an impact on what you pay for your insurance policy. However, there are plenty of other factors that may come into play when determining what your policy costs. Some examples include:

• Your age. Younger drivers and motorists in their 80s will usually pay more.
• Your education. The higher your education, the less your insurance will cost.
• Accident history. You can expect to pay more if you have a history of accidents or tickets on your record.

Here Is What You Need to Know When Driving in Texas

Texas is one of the most driver-centered states in the entire country. It is large and vast, leaving most people to rely on their vehicles instead of public transportation. This is especially true in cities like Dumas.

Unfortunately, the state is also known for its high number of uninsured drivers. To protect yourself, you could benefit from full coverage auto policies that will pay for your losses if you are involved in a crash with an uninsured or underinsured motorist.

How Many Car Accidents Happen in Dumas Per Year?

There were a total of 268 vehicle accidents in Dumas in 2023. Here is a comparison of annual Dumas fatal accidents to other cities in Texas in 2023:

City	Annual Average Number of Fatal Car Crashes
Dumas	1
Dallas	196
Allen	2
Abilene	7
Austin	88

How Many Uninsured/Underinsured Motorists Are in Dumas?

Texas is known for having one of the highest rates of uninsured drivers in the country. According to the Texas Department of Motor Vehicles, 20% of all drivers lack any coverage. Not only do one out of every five drivers lack liability coverage, but many more do not have enough insurance to pay for the full value of an accident.