Find Car Insurance in New Braunfels, Texas

What You Should Know About Car Insurance in New Braunfels, TX

Prince Carl, a German prince who served in the Austrian military, invited Germans to immigrate to Texas, where he founded New Braunfels in 1845, naming it in honor of his homeland, Solms-Braunfels, Germany. The city suffered from mismanagement and unpaid bills, but by 1850, it was thriving. New Braunfels is the seat of Comal County, and its land covers nearly 45 miles. The city is located close to San Antonio and Austin.

New Braunfels’ early days saw a thriving economy with a bank, post office, school, dance hall, store, lumberyard, and access to two railways. But crop and bank failures in 1929 hampered this success. Today, in the Gruene Historic District, you can shop for antiques and souvenirs and dance inside Gruene Hall, where such musicians as Willie Nelson and Merle Haggard have played.

Whether you are tooling around town or heading out for a road trip on Interstate 35, you will need high-quality coverage to guide you through those unexpected events that can put a wrench in your plans. Expert agents are ready to help you find the best auto insurance at competitive rates.

How Much Does Car Insurance Cost in New Braunfels, Texas?

At $2,019 a year for full coverage and $565 for the minimum liability coverage, Texans pay a bit more for car insurance than the U.S. average of $2,014 for full coverage and $622 for minimum coverage. Drivers who live in New Braunfels pay about $1,752 for full coverage and $516 for liability. Keep in mind that rates vary according to a number of factors, such as your zip code.

Why Is Insurance So Expensive in Texas?

There are a number of reasons why Texas auto insurance is expensive. The National Insurance Crime Bureau recently ranked Texas as second in the nation for car thefts. Steps you can take to avoid becoming a victim include parking in well-lit areas and removing valuables from your car when it will be left unattended. Steering wheel locks, car alarms, GPS air tags, and other anti-theft devices can deter thieves and may even earn you a discount on your auto insurance.

Texas is also at risk of natural disasters, such as hurricanes, tornadoes, hailstones, floods, and wildfires. According to the National Oceanic and Atmospheric Administration, the state deals with about 14 of these events per year.

Other reasons include the number of claims filed statewide, the number of uninsured drivers, and increased costs of auto repair and medical care. Insurers take these risks into consideration when determining your rates.

Affordable Car Insurance Rates Comparison by Cities in Texas

Check out the chart below for the amount you can expect to pay as a New Braunfels resident, as compared to residents of other Texas cities:

City	Full Coverage Insurance	Liability Insurance Coverage
New Braunfels	$146	$43
Mission	$177	$54
Killeen	$144	$42
Austin	$151	$46
El Paso	$158	$42

What Types of Car Insurance Discounts Are Available in New Braunfels?

There are even more ways to lower your car insurance premium. Here is an example of other discounts that may be available:

• Passing a driver safety course
• Low mileage
• Claim-free history
• Good grades
• Military
• Loyalty

Notable Car Insurance Laws in New Braunfels

Texas requires all its drivers, including those living in New Braunfels, to purchase liability coverage, which protects other drivers if you crash into their car. You must be able to show proof of this coverage if you are pulled over by a police officer.

What Are the Mandatory Car Insurance Requirements in New Braunfels?

As mandated by the Lone Star State, New Braunfels drivers must maintain the following liability insurance minimums:

• Bodily injury coverage per person: $30,000
• Bodily injury coverage per accident: $60,000
• Property damage coverage: $25,000

This insurance only covers the other person’s damage in an accident you cause. You will need both collision coverage to cover your own vehicle damage and medical payments coverage to pay medical expenses for you and any passengers in your car. Your agent can tell you more about these and other add-ons to help you get the protection you need.

What Is the Penalty for Driving Without Insurance in New Braunfels?

Driving uninsured in New Braunfels or anywhere else in Texas is illegal. If a police officer catches you driving uninsured, you may face the following penalties:

• Fines of up to $350 for a first offense
• Fines of up to $1,000 for subsequent offenses
• Possible car impoundment
• Suspended driver’s license
• Suspended car registration

You may also need to have your insurance company file with the state on your behalf an SR-22 certificate — also known as a certificate of financial responsibility — that proves you carry the required insurance.

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

Drivers in New Braunfels follow Texas laws. Some of the factors determining your rates are:

• Coverage limits: The amount of coverage you purchase will affect your premiums — additional coverage means higher rates, and less coverage means lower rates.
• Deductible: A higher deductible will likely lower your rate, while a lower deductible will likely raise your rate.
• Driving history: If you have a history of filing claims and receiving tickets, chances are you will pay more.
• Car make and model: If you drive an expensive car, your rates will likely be higher.
• Credit scores: Your agent will review your credit score when determining your rates. If you improve your score after purchasing insurance, be sure to let your agent know.

Auto Insurance Rates for Young Drivers vs. Older People in Texas

Insurers also consider your age when determining your rate. Teenagers have less driving experience, so they pay more for auto coverage — around twice as much as someone twice their age with more driving experience. Rates begin to decrease as you reach your 20s, considering you keep a clean driving record. However, new drivers at any age will likely pay more than someone with more driving experience.

Most drivers aged 70 and older will see their rates rise as age-related health issues, including decreased reaction time, become more common. The expert InsureOne agents can find you personalized insurance to meet your unique needs whatever your age.

How Many Car Accidents Happen in New Braunfels Per Year?

According to the Texas Department of Transportation, there were 14,905 crashes involving serious injuries in Texas in 2024. The chart below shows the number of fatal accidents in 2023 in a handful of Texas cities:

City	Annual Average Number of Fatal Car Crashes
New Braunfels	5
Mission	1
Killeen	14
Austin	90
El Paso	74

How Many Uninsured/Underinsured Motorists Are in New Braunfels?

Research by the Insurance Research Council shows that about 17% of Texas drivers — or about 17 in 100 drivers — are uninsured. That means anytime you are on the road, you have a decent chance of encountering one of these drivers. If one of them crashes into your car, you will be on the hook to deal with the financial mess unless you have coverage to protect yourself.

If you have collision, medical payments, and personal injury protection coverage that pays out in this scenario, the coverage may be insufficient if you need long-term care for injuries or your car is expensive. That is where uninsured/underinsured motorist coverage comes into play. This add-on insurance carries a deductible of $250 and pays for:

• Car repairs
• Lost property that was inside your car
• Medical bills for you and your passengers
• Diminished value for your car
• Pain and suffering