Find Car Insurance in El Campo, TX

What You Should Know About Car Insurance in El Campo, Texas

El Campo is a Texas city of just over 12,000 residents located in Wharton County. It is found approximately 75 miles southwest of Houston, residing near the midway point of the ends of the Texas Gulf Coast.

The city is home to the El Campo Museum of Natural History and was the hometown of professional athletes like Joey Hunt of the NFL and Memo Rodriguez of Major League Soccer. The largest employer in the area is the El Campo Independent School District, but several private schools also serve the city.

If you live in El Campo, the right amount of auto coverage could shield you after a serious accident. A full coverage auto insurance policy can cover the cost of a claim filed by another driver if you were at fault for the crash.

How Much Does Car Insurance Cost in El Campo, Texas?

When it comes to buying an auto policy in El Campo, you have many options from which to choose. While the state requires you to carry a minimum amount of liability coverage, you can also opt for additional coverage voluntarily.

Texans pay approximately $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 El Campo is slightly higher than the state average. Liability-only policies work out to around $1,522 annually, while full coverage costs approximately roughly $2,390.

These amounts are not that different from the national average. For full coverage auto policies, Texans pay below the national average of $2,314. The average cost of minimum mandatory liability coverage in Texas is more than the $644 drivers nationally pay annually.

At InsureOne, we offer options for all types of coverage, including liability insurance, that fits your needs for the best policy around.

What Does Full Coverage vs. Minimum Liability Mean?

When you purchase an auto policy, you have the choice between liability and full coverage, plus several add-ons. The state requires a minimum amount of liability insurance coverage, which is designed to protect you from third-party claims if you cause an accident. The downside is that they do not cover any of your losses in an accident.

Full coverage policies cover not only other people’s claims but also your own losses as well. This might include the cost of repairing or replacing your vehicle. These policies cover more, but they also cost 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
El Campo	$199	$126
Houston	$206	$124
Spring	$181	$116
Lewisville	$156	$111
Weatherford	$150	$111

What Types of Car Insurance Discounts Are Available in El Campo?

In addition to bundling, you could save money on your policies in other ways. InsureOne offers a wide range of discounts to take advantage of, including the following:

• Safe Driver Discount
• Veteran Discount
• Good Student Discount
• Loyalty Discount
• Multi-Vehicle Discount
• Paperless Discount

Notable Car Insurance Laws in El Campo

Texas law requires every motorist to carry a minimum amount of liability insurance. Drivers who get behind the wheel without complying can face costly fines if they are convicted.

What Are the Mandatory Car Insurance Requirements in El Campo?

In Texas, you are required to have a minimum level of liability coverage. Your policy must have a certain amount of coverage for claims related to both bodily 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 El Campo?

There are costly penalties that come into play when you drive without auto coverage. Motorists in El Campo who do not carry enough liability insurance face a potential fine of up to $350 for their first offense. Second and subsequent offenses can lead to maximum fines of $1,000. Thankfully, this offense does not carry the risk of jail time.

The expert agents at InsureOne can help you find a policy that will comply with state law and protect you following a crash.

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

There are no ordinances or city-wide laws that directly impact the cost of your car insurance. However, plenty of other factors exist that determine what you might pay. They include:

• Your age. Younger drivers usually pay far more than everyone else.
• The type of car you drive. Sports cars will generally cost more to insure than vehicles, like minivans, that are perceived as safer.
• Accident history. Any history of tickets or collisions will increase the cost of your policy.

Here Is What You Need to Know When Driving in Texas

Texas is known for its heavy traffic in congested cities, such as Dallas and Houston. While El Campo is a smaller city, it has a strong car culture and limited public transportation options. This means you can expect to face the risk of a collision with other drivers at almost any time of day.

Texas also has one of the highest rates of uninsured motorists in the country. When you are in an accident, there is a decent chance the other driver has low coverage or no policy at all. The safest bet is to purchase uninsured motorist coverage so you are always covered.

How Many Car Accidents Happen in El Campo Per Year?

There were a total of 194 vehicle accidents in El Campo in 2023. Here is a comparison of annual El Campo fatal accidents to other cities in Texas in 2023:

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

How Many Uninsured/Underinsured Motorists Are in El Campo?

There is a major issue with uninsured and underinsured drivers in El Campo. A driver is underinsured when they have the minimum amount of required liability coverage, but it is not enough to actually pay for most accidents. According to the Texas Department of Transportation, one out of five drivers are uninsured. Even more motorists in the state are underinsured.