Find Car Insurance in Edinburg, TX
What You Should Know About Car Insurance in Edinburg, Texas
Nicknamed “The Gateway to the Rio Grande Valley,” Edinburg is also the seat of Hidalgo County. The city was founded in 1908 and is currently home to more than 100,000 residents. It is roughly 330 miles southwest of Houston.
Edinburg is home to a large number of government employees, with several state agencies having a substantial presence in the city. Some examples include the 13th Court of Appeals, the Department of Health and Human Services, and two facilities operated by the Department of Corrections. The city is also home to the University of Texas Rio Grande Valley.
If you live in Edinburg, the appropriate amount of auto coverage could protect you from serious accidents. A full coverage auto insurance policy can shield you from claims made by other drivers while paying for your damages after a crash.
How Much Does Car Insurance Cost in Edinburg, Texas?
You have the option to purchase different types of auto insurance policies in Edinburg. While Texas requires a minimum amount of liability insurance, you can choose to purchase more in order to protect yourself. In addition to liability coverage, there is also the more robust full coverage to consider.
Texans pay around $2,296 each year for full coverage auto insurance. This is higher than the annual cost of liability-only policies, which average out to $1,434. The cost of car insurance in Edinburg is less than the state average. Liability-only policies total $1,522 annually, while full coverage costs roughly $2,400.
These amounts are similar to the average cost of car insurance nationwide. For full coverage auto policies, Texans pay less than the national average of $2,314. The average cost of minimum mandatory liability coverage is more than the $644 drivers nationally pay each year.
At InsureOne, we provide options for liability insurance that fit your needs while working within your budget.
What Does Full Coverage vs. Minimum Liability Mean?
There are two general categories of car insurance: full coverage and liability only. Understanding the difference between the two is important, as each of these policies differs dramatically in what they cover.
If you have liability insurance, you are shielded from third-party claims after an accident. In other words, if you cause a crash, these policies will pay for the damage you caused to other drivers up to your policy limits.
Full coverage takes your protection a step further. In addition to providing liability protection, this coverage will pay for your own losses in an accident, no matter who was at fault. Full coverage provides more protection, but it also costs more.
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 |
|---|---|---|
| Edinburg | $200 | $126 |
| Houston | $206 | $124 |
| Spring | $181 | $116 |
| Lewisville | $156 | $111 |
| Weatherford | $150 | $111 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Edinburg
You have an opportunity to save money on your bill by bundling your policies with InsureOne. Bundling involves buying two or more different types of coverage from the same company. For example, you could save up to 25% on your bill when you bundle your auto and home protection with InsureOne.
You can save more than just money when you bundle your auto and homeowners insurance policies. You can save time and reduce hassle by having one point of contact for all of your policy needs.
What Types of Car Insurance Discounts Are Available in Edinburg?
You can also save money on your car insurance by taking advantage of all the available discounts. Some of the most popular options include the following:
- Safe Driver Discount
- Good Student Discount
- Veteran Discount
- Loyalty Discount
- Multi-vehicle Discount
- Paperless Discount
Notable Car Insurance Laws in Edinburg
Texas law mandates all drivers to have a minimum level of liability insurance when they driver. Motorists who fail to comply with this requirement face costly fines if they are convicted.
What Are the Mandatory Car Insurance Requirements in Edinburg?
In Texas, you must maintain a minimum level of liability coverage. Your policy must have a certain amount of coverage for claims related to 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 Edinburg?
It is against Texas law to drive without auto coverage. Drivers in Edinburg who do not carry the minimum required coverage face a potential fine of $350 for their first offense. Second and subsequent offenses can result in fines of up to $1,000. Because this is a violation and not a criminal offense, there is no risk of jail time.
The expert agents at InsureOne can assist you with finding a policy that meets these requirements.
Do Edinburg-Specific Laws Play a Role in Determining Your Insurance Premiums?
There are no city-wide laws that have a direct impact on what you will pay for your car insurance. However, plenty of other factors can play a role, including the following:
- Your age. Teenagers and drivers in their 80s will generally pay more.
- The type of car you drive. Some vehicles — like sports cars — will lead to much higher insurance rates than others.
- Accident history. A history of traffic accidents and citations can increase the cost of your coverage.
Here’s What You Need To Know When Driving in Texas
Texas is a wide-open state that has a strong car culture. Because of the vast distances between cities, much of the state has no ability to rely on public transportation. This means there are plenty of cars on the road at any given time, and more cars means more accidents.
Texas also has an unusually high number of uninsured motorists. While drivers are required to have at least a minimum level of liability coverage, many choose not to purchase a policy. This can have serious consequences after an accident.
Typical Driving Conditions in Edinburg
Edinburg is a midsize city with plenty of traffic. From bustling industrial areas to a large and growing college campus, there are countless places where an accident can happen. This is true not only of collisions with passenger vehicles but also with commercial trucks.
In addition to traffic, you should take into account the impact that high heat may have on your vehicle. The weather conditions in Edinburg can be extreme throughout much of the year. This not only represents a safety risk but can also harm your vehicle. You will not regret taking steps to protect your automobile from the heat.
How Many Car Accidents Happen in Edinburg Per Year?
There were a total of 2,539 vehicle accidents in Edinburg in 2023. Here is a comparison of annual Edinburg fatal accidents to other cities in Texas in 2023:
| City | Annual Average Number of Fatal Car Crashes |
|---|---|
| Edinburg | 11 |
| Dallas | 196 |
| Allen | 2 |
| Abilene | 7 |
| Austin | 88 |
How Many Uninsured/Underinsured Motorists Are in Edinburg?
Uninsured motorists are a problem throughout the country, but they are an especially common issue in Texas. According to the Department of Transportation, 20% of all Texas drivers lack insurance. This means one out of every five drivers does not have any liability coverage. There are even more underinsured, which are the drivers who have policies but cannot pay the full value of the claim.
Get Covered by the Best Car Insurance in Edinburg, TX, Today
InsureOne provides Edinburg residents with access to expert agents and white-glove service. We offer a top-tier, one-stop insurance shopping experience, comparing 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.