Find Car Insurance in Eagle Pass, TX
What You Should Know About Car Insurance in Eagle Pass, Texas
The seat of Maverick County in the state of Texas, Eagle Pass is home to more than 28,000 residents. It is famous for being the first American settlement on the Rio Grande. Initially an outpost for the Texas militia, the city earned its name from the way the contour of the surrounding hills resembled outstretched eagle wings.
Eagle Pass is home to a vibrant manufacturing industry. Due to its location along the Mexican border, it also has an extensive retail and import/export market due to trade across the border with our neighbors to the south.
If you live in Eagle Pass, having the right amount of car insurance to protect yourself and your vehicle is crucial. Your affordable auto insurance in Texas policy can shield you from personal injury claims from other drivers in the aftermath of a crash, and a more robust policy could also pay for your own losses.
How Much Does Car Insurance Cost in Eagle Pass, Texas?
In Eagle Pass, you have choices to make when it comes to purchasing auto insurance. According to Texas law, you must have a minimum amount of liability insurance coverage every time you get behind the wheel. These policies protect you if you are sued by another driver for negligence, but they do not provide for your damages. Full coverage, on the other hand, will also pay for your losses.
In Texas, drivers pay roughly $2,296 annually for full coverage. The annual cost of liability-only policies is $1,434 on average. The cost of auto insurance in Eagle Pass is a little higher than the state average. Liability-only policies total $1,562 each year, and full coverage costs $2,412.
These amounts are similar to the average national cost of car insurance. For full coverage, Texans can expect to pay less than the national average of $2,314. However, the cost of mandatory liability coverage is above the national average of $644 drivers pay each year.
At InsureOne, we can help you find liability insurance that meets your needs. Our agents can also provide a number of budget-friendly policy options.
What Does It Mean If Texas Is a No-Fault/At-Fault State?
Every state is either a no-fault or at-fault jurisdiction. Like most states, Texas falls into the at-fault category. In an at-fault state, you have the right to file a personal injury lawsuit against another motorist when their negligence leads to an accident. If the responsible driver has liability insurance, that coverage could pay for your medical bills, car repair costs, and other expenses.
No-fault states are different because drivers are generally required to file a claim on their own Personal Injury Protection (PIP) policies instead of holding the other driver accountable with a lawsuit. The downside to this is that PIP usually pays less than a civil suit would. There are exceptions that allow someone in a no-fault state to avoid that system and pursue legal action.
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 |
|---|---|---|
| Eagle Pass | $201 | $130 |
| Houston | $206 | $124 |
| Spring | $181 | $116 |
| Lewisville | $156 | $111 |
| Weatherford | $150 | $111 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Eagle Pass
You have different opportunities to save money on your car insurance. One of the best options involves bundling multiple policies with InsureOne. For example, you could bundle your auto and home protection and save as much as 25% on both of your policies.
In addition to saving money, bundling your auto and homeowners insurance policies simplifies the process of managing your insurance. You will only have one point of contact when it comes to questions or claims, regardless of your policy.
What Types of Car Insurance Discounts Are Available in Eagle Pass?
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
- Multi-vehicle Discount
- Veteran Discount
- Loyalty Discount
Notable Car Insurance Laws in Eagle Pass
Texas has several laws related to auto insurance. Drivers must carry a minimum amount of liability coverage, and there are penalties for those who do not comply.
What Are the Mandatory Car Insurance Requirements in Eagle Pass?
In Texas, every driver is required to keep a minimum level of liability insurance. 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 Eagle Pass?
It is a violation of the law to drive without auto coverage. If you fail to carry adequate insurance, you could face a fine of up to $350 for the first offense. Second and additional offenses can increase that fine to $1,000. A conviction will not lead to jail time, but you could find yourself paying for an accident if you lack the appropriate coverage.
The expert agents at InsureOne are ready to help you find a policy that works for you.
Do Eagle Pass-Specific Laws Play a Role in Determining Your Insurance Premiums?
The laws and regulations of Eagle Pass do not directly impact the cost of your car insurance premiums. However, there are plenty of other factors that do. Some examples include the following:
- Your age. Younger drivers pay more, but their premiums go down over time.
- Your education. The higher your education level, the lower your bill.
- Accident history. Accidents and traffic tickets in your past will increase the cost of your policy.
What Is the Best Car Insurance for Teenagers and Their Family in Texas?
The reality about teenage drivers is that they are far more likely to be in an accident compared to other drivers. They generally lack the experience that comes with years of driving, and that can increase the risk of a crash in high-pressure situations. Teenagers are also less mature, which can lead to them taking unnecessary risks or making bad decisions behind the wheel.
The parents of teenage drivers could end up footing the bill for any accident they cause. These increased risks make it important to have adequate coverage. A full coverage auto policy will not only shield teen drivers from liability when they are at fault in a crash, but it will also pay for the damage they cause to the family vehicle.
Typical Driving Conditions in Eagle Pass
Eagle Pass is busy for a medium-size town. This is due to the high volume of traffic that comes in through Mexico and along the various highways that run through town. With so much traffic nearby, it should come as no surprise that accidents are common.
On top of traffic, Eagle Pass also faces high temperatures throughout much of the year. You might be surprised at the extent to which severe weather can impact your vehicle. You should take steps to protect your vehicle from both accidents and damage caused by the heat.
How Many Car Accidents Happen in Eagle Pass Per Year?
There were a total of 743 vehicle accidents in Eagle Pass in 2023. Here is a comparison of annual Eagle Pass fatal accidents to other cities in Texas in 2023:
| City | Annual Average Number of Fatal Car Crashes |
|---|---|
| Eagle Pass | 1 |
| Dallas | 196 |
| Allen | 2 |
| Abilene | 7 |
| Austin | 88 |
How Many Uninsured/Underinsured Motorists Are in Eagle Pass?
Texas has a large number of uninsured drivers. The Texas Department of Motor Vehicles reports that 20% of all drivers lack any coverage, which is one of the highest rates in the nation. Not only do one out of every five drivers lack any liability coverage, but many other motorists have policy limits below the average cost of an accident.
Get Covered by the Best Car Insurance in Eagle Pass, TX Today
InsureOne offers Eagle Pass residents help from expert agents providing white-glove service. We give a top-tier, one-stop insurance shopping experience and compare quotes from multiple carriers to help save you money.
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.