Find Car Insurance in Gainesville, TX

What You Should Know About Car Insurance in Gainesville, Texas

The city of Gainesville is the seat of Cooke County, Texas. With over 17,000 residents, it serves as a vital agri-business center in the heart of the Texoma region of the state. The city was founded in 1850, and the county was one of the few in Texas that voted against secession prior to the Civil War.

Gainesville’s original growth was thanks to its status as an overland stagecoach stop, but today it is better known for agriculture and manufacturing. Several large employers include major retailers and one of the world’s premier manufacturers of commercial airline seating systems.

If you live in Gainesville, you have the chance to protect yourself in the case of an accident by carrying appropriate liability coverage. A comprehensive auto insurance in Texas policy will not only pay for your own damages in a collision but also protect you if you are sued by the other driver.

How Much Does Car Insurance Cost in Gainesville, Texas?

You have a number of policy options to choose from when insuring your vehicle. State law mandates that you have a minimum level of liability coverage, but you also have the right to purchase more to ensure you are fully protected. Alternatively, you can go with a full coverage policy that not only shields you from liability but also pays your damages.

In Texas, drivers pay an average of $2,296 annually for full coverage auto insurance. The average annual cost of liability-only policies is lower, at only $1,434. Residents of Gainesville generally pay less than the state average. Liability-only policies will run about $1,322 each year and full coverage costs roughly $1,790.

These amounts are close to the total cost of insurance nationwide. For full coverage, Texans pay less than the national average of $2,314. That said, they usually pay more than the $644 annually that drivers pay nationwide.

At InsureOne, we are here to help you find the best options for liability insurance with flexible plans and white-glove service.

What Does It Mean If Texas Is an At-Fault State?

Texas is an at-fault state, which means you have the right to file a personal injury lawsuit against another person if they injured you in an accident. That individual — or their insurance company if they have coverage — is on the hook for paying for your damages.

No-fault states are different. Instead of immediately seeking compensation from the other party, drivers are generally required to file a claim with their own insurance company. These policies, known as personal injury protection (PIP), only pay for some of a person’s losses. There are usually exceptions that allow injured drivers in no-fault states to file a lawsuit depending on the circumstances.

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
Gainesville	$149	$111
Houston	$206	$124
Spring	$181	$116
Lewisville	$156	$111
Weatherford	$150	$111

What Types of Car Insurance Discounts Are Available in Gainesville?

Another way to save money on your policy is by taking advantage of each discount offered by InsureOne. Some examples include:

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

Notable Car Insurance Laws in Gainesville

Texas has firm requirements for the amount of liability insurance motorists are required to carry when they drive. The failure to comply with these requirements can lead to costly fines.

What Are the Mandatory Car Insurance Requirements in Gainesville?

Under the law, Texas drivers must carry a minimum amount of liability insurance any time they drive. Your policy must cover 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 Gainesville?

It is unlawful to drive without auto coverage in Texas. Motorists in Gainesville who lack the necessary amount of coverage could face fines of up to $350 if convicted. Second and subsequent offenses can lead to a penalty of no more than $1,000. The good news is that a conviction will not result in jail time.

The expert agents at InsureOne are here to help you find a policy that complies with these requirements and protects you in case of an accident.

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

City ordinances in Gainesville have no direct impact on the cost of your car insurance. However, here are a few of the other factors that do:

• Your age. Teenagers and drivers in their 80s usually pay more due to the higher chance of them being in an accident.
• The type of car you drive. Some cars — like sports cars — are more expensive to insure than others.
• Your education. The higher your education level, the less your car insurance is likely to cost.
• Accident history. If you have accidents or tickets in the past, your bill is going to be higher.

What Happens If I Damage Property?

If you are involved in an accident with another driver, the law requires you to notify the police if there are bodily injuries, deaths, or notable property damage. You must stay at the scene of the accident until the police arrive unless there is a medical emergency.

If you damage property when no one else is present — like striking a parked car — you are required to try to contact the owner. Failing that, you must leave a note with your information in order to facilitate an insurance claim. You are on the hook for any damage you cause, but your liability policy can cover those claims up to your policy limits.

How Many Car Accidents Happen in Gainesville Per Year?

There were a total of 331 vehicle accidents in Gainesville in 2023. Here is a comparison of annual Gainesville fatal accidents to other cities in Texas in 2023:

City	Annual Average Number of Fatal Car Crashes
Gainesville	5
Dallas	196
Allen	2
Abilene	7
Austin	88

 

How Many Uninsured/Underinsured Motorists Are in Gainesville?

Texas has a large number of uninsured drivers. There are also numerous underinsured motorists, which are drivers who have liability coverage but their policy limits will not pay for the full cost of an accident. According to the Texas Department of Motor Vehicles, 20% of all drivers are uninsured in the Lonestar State.