Find Car Insurance in Fredericksburg, TX

What You Should Know About Car Insurance in Fredericksburg, Texas

Better known as “Fritztown” or “The Burg” by some locals, Fredericksburg is a town in the Texas Hill Country originally founded by German settlers. Their influence continues to this day, as the city is home to Texas German, a dialect adopted by immigrants that fused the two languages. As recently as 2000, 10% of households in the city primarily spoke German or one of its offshoot dialects.

The area is also known for its natural beauty, with several famous natural landmarks like nearby Enchanted Rock. This site, along with the city’s downtown area, is part of the National Register of Historic Places.

There is a lot to love about Fredericksburg, but no town is perfect. Despite its size, motor vehicle accidents are a common occurrence. The best way to protect yourself in a crash is by having the right auto insurance in Texas policy from InsureOne.

How Much Does Car Insurance Cost in Fredericksburg, Texas?

Like every other state, Texas has strict requirements regarding the amount of liability coverage drivers are required to carry. Before you get behind the wheel in the Lonestar State, you must purchase a policy that meets these requirements. You also have the option to buy full coverage policies that offer greater protection but at a higher price.

On average, Texans pay $2,296 annually for full coverage auto insurance, compared to $1,434 for minimum liability coverage each year. Residents of Fredericksburg usually pay a little less, with the average cost of liability-only coverage coming in at $1,392 annually. Full coverage auto insurance runs approximately $1,800 every year.

These amounts are similar to the national average. For full coverage policies, the average American family pays $2,314. The cost of minimum liability coverage in Texas is greater than the $644 per year that drivers must pay nationally.

At InsureOne, our attorneys are prepared to help you find the right coverage at the ideal price. Let us help you secure the liability insurance that fits your needs and your budget.

What Does Full Coverage vs. Minimum Liability Mean?

When you purchase your next auto insurance policy, the biggest decision you will make is whether to go with the less expensive liability-only policy or the additional protection of full coverage. The state requires drivers to have a minimum amount of liability-only coverage. These policies will not cover your losses, but they will shield you from claims made by other drivers if you cause a collision. If you are sued after a collision, your liability coverage will pay for those losses up to the limits on your policy.

Full coverage does everything that liability policies do and then some. When you are in an accident, these policies also pay to cover your losses. This can include your medical bills, vehicle repair costs, and other expenses. The downside is that the monthly premiums for this type of coverage are higher.

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
Fredericksburg	$150	$116
Dallas	$226	$144
Lubbock	$151	$111
San Antonio	$162	$119
Laredo	$150	$111

What Types of Car Insurance Discounts Are Available in Fredericksburg?

Most insurance companies offer a range of discounts to save you money, and InsureOne is no different. Some of our discount options include the following:

• Anti-theft discount
• Good student discount
• Green discount
• Veteran discount
• Loyalty discount
• Multi-vehicle discount

Notable Car Insurance Laws in Fredericksburg

Texas law requires drivers to carry auto liability insurance in order to legally drive in the state. While failing to do so will not result in jail time, it can lead to costly fines. What is more, uninsured drivers are at a greater risk of financial catastrophe if they remain uncovered.

What Are the Mandatory Car Insurance Requirements in Fredericksburg?

Texas has a minimum amount of liability insurance that drivers must carry, both for the cost of bodily injuries and property damage. These are only the minimums required — you are entitled to purchase more coverage to ensure you are protected after a collision. Minimum coverage levels include:

• $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 Fredericksburg?

Fines are the major consequence if you are convicted of driving without auto coverage in Texas. For a first offense, you can expect to pay as much as $350 in fines. Second and additional convictions can run you as much as $1,000. While these financial consequences can be steep, there is no risk of incarceration in these cases.

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

Liability insurance requirements are uniform across the state of Texas, meaning that local laws and ordinances will not have any impact on the cost of your policy. However, there are plenty of other factors that will. Some examples include the following:

• Your age. Your age is a reflection of the experience you have behind the wheel. Younger drivers, primarily teenagers, will pay more for insurance premiums than everyone else.
• The type of car you drive. American auto brands are typically less expensive to insure compared to foreign vehicles. Sturdier vehicles, like minivans, are also typically less expensive to cover than sports cars.
• Your education. The higher your education level, the lower your insurance rates will likely be.
• Your zip code. The zip code you live in can impact the cost of your premiums if you live in an area with a lot of accidents.

Here Is What You Need To Know When Driving in Texas

With its wide-open spaces and heavily populated cities, car culture is alive and well throughout Texas. This is especially true in smaller towns like Fredericksburg, which have little in the way of public transportation.

Depending on the part of the state you are in, there is plenty to explore by car. The Gulf Coast offers miles of coastline to enjoy, while the hill country has beautiful rolling countryside.

There are some legal requirements to be aware of when you drive, namely the need to purchase liability insurance coverage. What is more, driving in Texas also frequently means crossing paths with uninsured drivers. The state has one of the highest rates of uninsured motorists in the country.

How Many Car Accidents Happen in Fredericksburg Per Year?

There were a total of 218 vehicle accidents in Fredericksburg in 2023. Here is a comparison of annual Fredericksburg fatal accidents to other cities in Texas in 2023:

City	Annual Average Number of Fatal Car Crashes
Fredericksburg	0
Amarillo	23
Arlington	41
Baytown	14
Corpus Christi	34

 

How Many Uninsured/Underinsured Motorists Are in Fredericksburg?

Texas has one of the highest rates of uninsured motorists in the country. According to the Texas Department of Transportation, roughly one out of every driver in the state lacks any form of liability insurance.

What is more, many motorists in Texas are underinsured. This means that while they have liability coverage, the policy limits are not enough to cover the full cost of many car accidents. It is a good idea to always carry proof of insurance while driving in order to avoid being ticketed.