Find Car Insurance in Hereford, TX
What You Should Know About Car Insurance in Hereford, TX
Hereford is a small town of about 6 square miles that maintains its Western heritage. Appropriately named the “Beef Capital of the World,” much of its economy revolves around agriculture and cattle ranching. This calm rural city has lots of open space and benefits from more moderate summer temperatures than other parts of Texas.
The municipality maintains many areas that bring the community of nearly 15,000 together for fun, relaxation, and events, including the Hereford Aquatic Center, more than 200 acres of parks, a civic center, and a full 18-hole golf course. An expert InsureOne agent will help you find the best auto insurance in Texas so you can head out to Hereford and join the community.
How Much Does Car Insurance Cost in Hereford, Texas?
One of the nice things about getting car insurance here is that you will typically pay less than the U.S. average. The average yearly cost for a full coverage policy in this state is $2,019, while a minimum liability policy costs $565. These numbers are well below the national average of $2,314 and $644 for the same policies.
What Does It Mean If Texas Is an At-Fault State?
Since Texas is an “at-fault” state, when someone causes an accident, either they or their insurer are responsible for paying for all the damages they caused, including costs related to personal injuries. Some states have “no-fault” laws. In a “no-fault” jurisdiction, the at-fault driver would still have to cover property damages but would not be responsible for costs related to personal injuries.
Affordable Car Insurance Rates Comparison by Cities in Texas
Location plays a significant role in how much your policy will cost. You can see the range of monthly rates for Hereford and other cities in the area in the table below.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Hereford | $157 | $36 |
| Canyon | $164 | $42 |
| Claude | $167 | $39 |
| Dimmitt | $156 | $36 |
| Tulia | $160 | $37 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Hereford
What is bundling, and why should you bundle your home and auto insurance? Bundling policies means obtaining more than one policy with the same carrier. The reason why people do this is to avoid having to deal with multiple carriers and to streamline their bill management by making their payments to a single insurer.
If you need both auto and homeowners insurance, another great benefit of bundling is that your insurer will give you a price reduction of as much as 25% on both policies for giving them the extra business. There is no need for you to compare policy prices and the discounts various carriers offer because InsureOne’s expert agents will do all that to save you time and money. They will show you a personalized package of policies that meets your needs with the best prices in Texas.
What Types of Car Insurance Discounts Are Available in Hereford?
As you see, bundling is a discount that helps you lower your insurance premiums. Ask your InsureOne agent about finding other discounts as well because insurers offer quite a few of them. These are just a few examples:
- Student discount
- Retention discount
- Low-mileage discount
- Good driver discount
- Senior discount
Notable Car Insurance Laws in Hereford
Texas insurance laws have a significant impact on everything from how much coverage you must obtain to which factors insurers may consider. Here are some regulations that affect insurance policies for Lone Star State drivers.
What Are the Mandatory Car Insurance Requirements in Hereford?
There are no local requirements for how much coverage you must obtain, but the state of Texas requires every driver to get these minimum levels of coverage before operating a vehicle:
- $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 Hereford?
Drivers who fail to adhere to the state’s minimum requirements or do not have auto coverage altogether may be punished 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
In addition, if you operate a car while uninsured and cause an accident, you would have to pay for all the damages you cause out of pocket, which could be a devastating financial blow to you and your family.
Do Hereford-Specific Laws Play a Role in Determining Your Insurance Premiums?
The type of vehicle you drive and many other factors will affect how much your policy will cost. Here is a sampling of some of the details your insurer will consider before giving you a quote:
- Location: Statistics such as theft and accident rates are different in every area and will affect your rates.
- Selected coverage: If you add options like uninsured motorist and personal injury protection, your premiums will increase.
- Age: The more years on the road you have, the less you will pay, but rates increase again when you are older to the point where your cognitive abilities may be in decline.
- Claims history: If you have a history of filing claims, your insurer may assume you are more likely than others to file claims and charge you more.
- Vehicle trim: A Toyota Sienna LE and XLE have different theft rates, features, and repair costs, all of which affect your insurer’s liability.
What Is the Best Car Insurance for Teenagers and Their Family in Texas?
Teens need coverage just like you do, but since they are statistically more likely than you to cause a crash, their rates are much higher. You can ask your InsureOne expert to shop multiple carriers to see who will give you the best rate for your teenage driver, but keep in mind these points that may help you keep costs as low as possible:
- Find an insurer that offers student discounts
- Add your teen to your policy instead of getting them their own
- Buy them a cheaper vehicle because it is more affordable to insure
- Increase your collision and liability coverage so you pay less out of pocket if your teen causes an accident
At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your teen’s needs.
Typical Driving Conditions in Hereford
Hereford does not have any major traffic concerns. It is primarily a rural area with its own economy, so there is not much commuting in town that would affect local roads. Amarillo Community College has a branch in Hereford, but it only has several hundred students, so it does not cause much traffic. The town does get some snow in the winter and rain throughout the year, which could lead to visibility issues and slippery roads.
How Many Car Accidents Happen in Hereford Per Year?
According to the Texas Department of Transportation, Hereford and its surrounding cities had the following number of crashes in 2023:
| City | Total Crashes |
|---|---|
| Hereford | 214 |
| Canyon | 195 |
| Claude | 16 |
| Dimmitt | 23 |
| Tulia | 24 |
How Many Uninsured/Underinsured Motorists Are in Hereford?
There are varying reports, but the Insurance Information Institute reports that 13.8% of drivers in Texas were uninsured in 2022, while TexasSure, a division of the Texas DMV, estimates that 20% of drivers in Texas are uninsured. Either number underscores the importance of obtaining uninsured motorist coverage, which is something you should discuss with an InsureOne agent.
Get Covered by the Best Car Insurance in Hereford, Texas, Today
If you are looking for a slow-paced life in a town where the people seem to all know each other, Hereford might just be your spot. Although it is a small rural city, accidents do happen and you need to make sure you have auto coverage that will protect you financially if you cause a crash.
Reach out to our expert agents at InsureOne, your one-stop shop for all your insurance needs. You will get white-glove service and be on your way to finding the best coverage that works for you and your family when you stop by one of our physical locations; call us at (800) 836-2240 or visit our website.