Find Car Insurance in Granbury, TX
What You Should Know About Car Insurance in Granbury, TX
A small, vibrant town about 45 minutes southwest of Fort Worth, Granbury gives its residents peace and tranquility within proximity to endless economic opportunities. Voted as one of USA Today’s “Best Historic Small Towns in America,” this city delivers by taking you back in time with 28 structures from the late 1800s serving as portals to its developing years. Lake Granbury also offers excellent outdoor fun, including jet skiing and fishing. A multitude of yearly events and celebrations, such as the annual Wine Trail and the classic cars show, continue to bring the Granbury community together.
Visit an expert InsureOne agent for help finding the best auto insurance at the best price in Texas and then hop into your car to visit and enjoy this charming town’s hot spots.
How Much Does Car Insurance Cost in Granbury, Texas?
Full coverage car insurance in Texas comes with an average yearly price tag of $2,019, a shade lower than the national average of $2,314. A minimum liability policy will average $565 — significantly less than $644, which is how much you will pay on average in the rest of the country.
What Does It Mean If Granbury Is an At-Fault City?
If there is an accident in Granbury, the driver responsible for the accident or their insurer must pay for the other party’s damages. This is because Texas is an at-fault state. By contrast, in a no-fault state, while the person responsible for the accident has to pay for the other driver’s property damages, each party must pursue any personal injury damages through their own insurer, regardless of who caused the accident.
Affordable Car Insurance Rates Comparison by Cities in Texas
The table below shows monthly rates for Granbury and several cities in its proximity. Based on a variety of factors, premiums can vary significantly by municipality.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Granbury | $153 | $44 |
| Dallas | $171 | $52 |
| Fort Worth | $163 | $49 |
| Mansfield | $155 | $48 |
| Rainbow | $148 | $40 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Granbury
Bundling is when a customer gets two or more policies with a single carrier. As a homeowner, you can reap benefits by bundling your home and auto insurance. For starters, you can save up to 25% on your auto and homeowners insurance. In addition to having the convenience of only dealing with one carrier for all your coverage needs, you also gain the benefit of streamlining your bill payments when it is time to pay your premiums each month.
Let your InsureOne agent do all of the work involved in pricing each policy with several top-tier carriers and finding one that will also give you a generous bundling discount. They will gladly customize a package of policies that meets your needs at affordable prices.
What Types of Car Insurance Discounts Are Available in Granbury?
Insurers that operate in Texas offer many discounts that can lower your insurance premiums. Ask your InsureOne agent about these and other discounts that may pertain to you:
- Retention discount
- Senior discount
- Student discount
- Low-mileage discount
- Good driver discount
Notable Car Insurance Laws in Granbury
Municipalities in the Lone Star State defer to the state’s insurance laws. The following requirements that affect drivers in Granbury are based on Texas statutes.
What Are the Mandatory Car Insurance Requirements in Granbury?
Before operating a vehicle, every driver in Texas must obtain the following minimum levels of coverage to comply with state law:
- $30,000 liability coverage for bodily injury per person
- $60,000 liability coverage for bodily injury per accident
- $25,000 liability coverage for property damage
What Is the Penalty for Driving Without Insurance in Granbury?
Failing to obtain insurance before operating a vehicle in Texas is a serious offense. In addition to the risk of having to pay for damages you cause to others out of your own funds, if an officer catches you, they may penalize you with the following fines and penalties:
- $175 to $350 fine, possibly lower in cases of economic hardship
- $350 to $1,000 fine for a second offense
- A yearly insurance surcharge of $250 for three years
- Possible license suspension
- Possible vehicle impoundment
Do Granbury-Specific Laws Play a Role in Determining Your Insurance Premiums?
To generate a quote, insurance underwriters look at many factors that affect their potential for paying a claim and how much that claim might cost. Here are a few details they have to review before setting your premium:
- Selected coverage: Increasing liability coverage limits or adding options such as personal injury protection or uninsured motorist coverage will raise your rates.
- Deductible amount: A deductible is an amount you pay from your own funds before your insurer begins a claim. The lower the deductible you choose, the higher your premiums will be.
- Location: Theft and accident rates, among other factors in your zip code, will help determine your insurer’s liability and how much they should charge you.
- Age: Your premiums will vary based on your age bracket because statistics indicate how likely you are to cause an accident based on how old you are.
- Claims history: People who have a history of filing claims in the past are deemed more likely than others to file a claim in the future.
Auto Insurance Rates for Young Drivers vs. Older People in Texas
Statistics show that teenagers are the most likely to cause an accident, therefore, carriers charge them more than other drivers. With time, experience behind the wheel, and a clean driving record, rates drop steadily. Drivers in their senior years might begin to see some cognitive decline, and rates will increase a bit to account for the slightly higher risk.
From your teens to your senior years, InsureOne expert agents will help you find the best auto insurance with customizable options that best meet your needs.
Typical Driving Conditions in Granbury
Granbury’s population has been growing exponentially, and while the municipal government continues to work on infrastructure, the local roads are overburdened at various points in the day. Residents commute to Fort Worth via the 377, which also has its fair share of traffic. Weather conditions such as extreme heat, hail, and high winds also negatively impact driving conditions in the city at times.
How Many Car Accidents Happen in Granbury Per Year?
The Texas Department of Transportation reports the following as total crashes in Granbury and several nearby cities in 2023.
| City | Total Crashes |
|---|---|
| Granbury | 362 |
| Dallas | 31,678 |
| Fort Worth | 13,445 |
| Mansfield | 1,028 |
| Rainbow | 1 |
How Many Uninsured/Underinsured Motorists Are in Granbury?
Records collected by the Insurance Information Institute indicate that 13.8% of drivers in Texas were uninsured in 2022. An estimated 20% of drivers in Texas are currently uninsured, according to TexasSure, which is under the auspices of the Texas DMV.
Get Covered by the Best Car Insurance in Granbury, Texas, Today
The fact that Granbury had double-digit percentage increases in population every decade since 1940 is a testament to its desirability as a city. But more people means more cars and a greater need for good coverage for your vehicle.
Trust the white-glove service of our expert agents at InsureOne to get you a policy that is personalized to your specific needs. Stop by one of our physical locations, call us at (800) 836-2240, or visit our website, and we will help you get the best coverage at the best prices in Granbury, Texas.