Find Car Insurance in Huntsville, TX

What You Should Know About Car Insurance in Huntsville, TX

With a population of around 49,413, this Texas town is known for its rich history and for being home to Sam Houston State University. It offers a relaxed lifestyle with a strong connection to the legacy of Sam Houston, the first president of the Republic of Texas.

Driving here is typically easy, with light traffic and manageable congestion, especially along Interstate 45. The humid subtropical climate means mild winters and hot summers, with occasional thunderstorms that can affect road conditions. It’s important to stay informed about weather forecasts, particularly during heavy rain or severe storms.

In Texas, car insurance is required by law, and driving without it can result in fines, license suspension, and vehicle impoundment. Since the state operates under an at-fault system, the driver responsible must cover damages, making insurance crucial for financial protection. At InsureOne, we help you find the auto coverage that best fits your needs.

How Much Does Car Insurance Cost in Huntsville, Texas?

Living here has many advantages, and one of them is that you can get car insurance in Texas at an affordable price. A full coverage policy costs approximately $159 monthly, much less than the national average of $168. A minimum liability policy will only cost you $45, significantly less than the $52 average for the rest of the country.

Why Is Insurance So Cheap in Texas?

For starters, the overall cost of living in Texas is lower, which can mean lower premiums for drivers. Plus, Texas cities don’t typically deal with the same level of traffic congestion you might find in bigger cities like New York or Los Angeles, which helps keep rates more manageable.

Another reason insurance is often cheaper here is the competitive market—there are a lot of insurance providers vying for business, which helps keep prices down. However, it’s important to remember that rates can vary depending on where you live in Texas, especially with the risks of things like hurricanes and flooding in certain areas.

In the end, while insurance can be affordable in Texas, it’s always a good idea to shop around and compare rates to make sure you’re getting the best coverage for your needs.

Affordable Car Insurance Rates Comparison by Cities in Texas

Local conditions in your city affect how much you will pay for auto coverage. The following chart compares monthly rates between Huntsville and several nearby cities.

City	Full Coverage Insurance	Liability Insurance Coverage
Huntsville	$159	$45
Amarillo	$171	$43
Harlington	$173	$53
Alice	$150	$82
Dallas	$150	$45

What Types of Car Insurance Discounts Are Available in Huntsville?

As a car owner in Texas, you likely want to find ways to reduce your insurance costs. One of the best ways to do so is by leveraging the discounts that insurers provide. Talk to your InsureOne agent about these options:

• Paperless billing savings
• Auto-pay discount
• Safety feature discount
• Paid-in-full discount
• Military discount

Notable Car Insurance Laws in Huntsville

While Huntsville doesn’t have its own unique insurance laws, the state of Texas has regulations that apply to all its cities. Below are some of the important state rules affecting insurance coverage for residents across Texas.

What Are the Mandatory Car Insurance Requirements in Huntsville?

The mandatory car insurance requirements in Huntsville are the same as those across the state of Texas. Drivers must carry liability insurance with at least the following coverage:

• $30,000 for bodily injury per person
• $60,000 for total bodily injury per accident
• $25,000 for property damage per accident

What Is the Penalty for Driving Without Insurance in Huntsville?

Driving without insurance can cost you big time. Not only will you be responsible for any damages you cause in an accident, but Texas also imposes the following fines and penalties:

• Fines ranging from $175 to $350, with possible reductions for financial hardship
• Fines from $350 to $1,000 for repeat offenses
• A $250 yearly surcharge for three years
• Potential suspension of your driver’s license
• Possible vehicle impoundment

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

When it comes to determining your car insurance premium, insurers look at a variety of factors about you and your vehicle. Here are some of the key things Texas law allows them to consider:

• The cost of your vehicle: The more expensive your car is, the higher the potential payout for your insurer if it’s totaled or stolen, which can lead to a higher premium.
• The type of vehicle: Insurers may charge less for a minivan, which is considered a family car, compared to a sports car or one typically driven by teenagers, as those are seen as higher-risk.
• Driving experience: If you’ve been driving for years without incidents, you’re considered less likely to cause an accident compared to a newer driver, which can help lower your premium.
• Mileage: The fewer miles you drive, the less chance there is of getting into an accident, so insurers tend to offer better rates for lower annual mileage.
• Loss probability: Insurers will also check things like theft and accident rates in your area to help determine your premium, since higher risk in your zip code can lead to a higher rate.

Insurance That Helps You Prepare for the Future

Without insurance, you’d be forced to set aside money for every possible accident, but who knows how much to save? An accident could cost $10,000 or $100,000—it’s a gamble. For instance, a simple rear-end accident may cost just a few thousand dollars, but a major crash could lead to a much higher bill.

With the right auto insurance, you’re protected from those unexpected costs. InsureOne helps you find the coverage that best suits your needs, so you can save for the things that truly matter in life, while leaving the insurance part to us.

How Many Car Accidents Happen in Huntsville Per Year?

The Texas Department of Transportation reports the following as total crashes in Huntsville and several nearby cities in 2023:

City	Total Crashes
Huntsville	960
Amarillo	4,092
Lewisville	2,618
Oak Point	42
Pharr	2,629

How Many Uninsured/Underinsured Motorists Are in Huntsville?

In 2022, 13.8% of Texas drivers were uninsured, according to the Insurance Information Institute. Additionally, TexasSure estimates that up to 20% of drivers in the state were uninsured. While specific data for Huntsville isn’t available, it’s likely that the uninsured rate in the city falls within or near this state average. Given this, it’s important for drivers to consider uninsured/underinsured motorist coverage to protect themselves in the event of an accident with an uninsured driver.