Find Car Insurance in Mission, Texas

What You Should Know About Car Insurance in Mission, TX

Mission is located on the U.S.-Mexico border, 3.5 miles north of the Rio Grande, in Hidalgo County, Texas. In 1904, the railroad began extending its existing route to a 20-acre tract of land. After the completion of this extension, two developers purchased the acreage from the French Oblates of Mary Immaculate, a Catholic missionary organization, and sold off the parceled land.

A post office was established in 1908 with the new name of Mission since its current name of Lomita was already taken, although a beautiful historic La Lomita Church is still there. The town of Mission soon had a school, pharmacy, hotel, and newspaper. A short time later, an agricultural developer upgraded the area’s irrigation, and the area became fruitful as farmland.

Mission is a nature lover’s paradise. You can partake in hiking and bird watching at the 500-acre Bentsen-Rio Grande Valley State Park and the World Birding Center. You can also enjoy biking or walking your dog on the trails at The Mission Hike & Bike Trails. Or visit the native plant botanical garden at the 100-acre Butterfly Center, where as many as 246 butterfly species have been observed.

As one of Mission’s almost 89,000 residents, it is essential to have the best auto insurance. Before you navigate through town or cross through Mission on Highway 2, speak to an expert agent, who will provide you with concierge service to find you high-quality insurance at the most competitive prices.

How Much Does Car Insurance Cost in Mission, Texas?

The average rate for Texas car insurance is slightly above the U.S. average. While Texas residents pay around $2,019 for full coverage per year and $565 for the minimum liability coverage, the national average is $2,014 for full coverage and $622 for minimum coverage. Residents of Mission are likely to pay a little more than drivers in other Texas cities at an average rate of $2,124 for full coverage and $648 for liability.

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

Texas is an at-fault state, which means the person determined to be responsible for causing an accident will cover the subsequent expenses, including medical, property, pain and suffering, and lost wages.

Circumstances that may demonstrate a driver’s fault include:

• Running a red light
• Failing to yield the right of way
• Road rage
• Driving under the influence
• Tailgating

Insurance companies use various methods, such as police reports, physical evidence, and witnesses, to prove fault. In Texas, the victim may pursue legal action, especially when the at-fault driver’s insurance coverage is insufficient. Protect yourself by having the best liability coverage.

Affordable Car Insurance Rates Comparison by Cities in Texas

The chart below shows a comparison of how much Mission residents pay per month as compared to other Texas residents:

City	Full Coverage Insurance	Liability Insurance Coverage
Mission	$177	$54
Killeen	$144	$42
Austin	$151	$46
El Paso	$158	$42
Fort Worth	$163	$49

What Types of Car Insurance Discounts Are Available in Mission?

If you are wondering if there are other ways to get a lower car insurance premium than bundling, ask your agent about additional discounts. Here are a few for which you might qualify:

• Military
• Good student
• Senior citizen
• Loyalty
• Safe driver

Notable Car Insurance Laws in Mission

The city of Mission follows Texas laws for its drivers. Texas drivers must show financial responsibility for any accidents or damage they cause while operating a motor vehicle. You must also carry proof of your coverage in case you are pulled over or get into an accident.

What Are the Mandatory Car Insurance Requirements in Mission?

The way Mission drivers prove financial responsibility is through liability insurance. The state requires the following minimums:

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

A serious accident may cause more damage than these minimums will cover, especially with the rising costs of medical expenses, auto parts, and repairs, so you may want to consider purchasing additional coverage.

Your lender will likely require you to purchase collision and comprehensive coverage while you make payments on your automobile.

What Is the Penalty for Driving Without Insurance in Mission?

Members of the Mission workforce drive a mean travel time to work of about 21 minutes, except for the 9% who telecommute, which means these residents are driving fewer miles. If you work from home, you might be pleased to know about how your annual mileage influences your premiums.

But lower mileage does not mean you can slack on your insurance coverage. If you are caught driving uninsured, you may be subject to fines of up to $350 and license suspension. Repeat offenders may also face jail time.

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

While there are no Mission-specific laws that determine your premiums, insurers do look at several factors when figuring out your premiums. Crime and accident rates, for example, vary from one zip code to the next. Other factors that influence your rates are:

• Driving record: If you have had a lot of accidents, you will likely pay more.
• Credit scores: People with lower credit scores may be considered higher risk and pay higher premiums.
• Car make and model: Your insurer will review your car’s value. Cheaper cars are often cheaper to fix and replace.
• Age: Teen drivers typically pay the highest rates as they have less driving experience and tend to engage in risky behavior. People aged 60 and older may pay more, as age-related health issues may affect driving.

What Happens If I Damage Property?

The first thing to do if you are in a car crash is to make sure everyone is okay. Here are some other steps to take if you are in an accident:

• Call the police so a report can be filed, which can help prove fault.
• Collect the other driver’s information, including phone number, license plate number, and insurance information.
• Get the names of any passengers in their vehicle.
• Take photos of the damage to any cars involved and non-vehicle property damage.
• Obtain witness names and contact information.

If you hit non-vehicle property, such as a residential fence, try to contact the owner. If you are unable to locate the owner, leave a note and report the accident to the police department and your insurance company.

The expert agents at InsureOne provide top-tier service to find you personalized plans, and they can answer all your questions both before and after an accident.

How Many Car Accidents Happen in Mission Per Year?

In 2023, Texas had 3,727 fatal car accidents. The chart below shows a breakdown of fatal accidents in different Texas cities in 2023:

City	Annual Average Number of Fatal Car Crashes
Mission	1
Killeen	14
Austin	90
El Paso	74
Fort Worth	108

How Many Uninsured/Underinsured Motorists Are in Mission?

A study by the Insurance Research Council reported that 14% of motorists nationwide, which means about one in seven drivers, were uninsured in 2022. The study also showed that about 17% of Texas drivers lacked insurance that same year.

These numbers show the importance of having uninsured/underinsured motorist coverage to protect you from the expense these drivers may cause in an accident. When an at-fault driver has insurance, but it is insufficient in covering the cost of damages, the “underinsured” portion will pay.