Find Cheap Car Insurance in Andrews, TX

Andrews is a small city located in the western part of Texas. It has a population of around 13,000 residents and covers an area of approximately 4 square miles. The city is known for its oil and gas industry, with several drilling rigs dotting the horizon. It also has a strong sense of community, with various local events and festivals happening throughout the year.

When it comes to driving in Andrews, having auto coverage is mandatory. Protecting yourself and others on the road in case of an accident is important. With Acceptance Insurance, you can find the perfect cheap car insurance in Texas that fits your needs and budget. Be sure to explore their options and take advantage of their affordable prices. Keep reading for more information.

If you live in Andrews, you can get basic liability auto insurance for $38 per month, which is $14 below the national average of $52 and $9 lower than Texas’s average of $47.

Now, if you’re considering obtaining full auto coverage, you might be looking at approximately $151 per month. That’s $18 less than Texas’s average of $169 and $17 lower than the national average of $168. So, you can get the peace of mind that comes with the best protection without breaking the bank.

Reasons Why Insurance is so Cheap in Texas

There are several factors that contribute to the affordability of car insurance in Texas. One significant reason is the efficient operations of insurers in the state, which allows them to streamline processes and reduce administrative and overhead costs.

Additionally, Texas’s lower cost of living compared to other states plays a key role in keeping premiums down by minimizing the frequency and severity of insurance claims. The competitive pricing environment in Texas, influenced by state laws, financial regulations, and market competition, also contributes to the overall cost-effectiveness of vehicle protection in the state.

Furthermore, Texas’s relatively favorable climate and reduced risk of natural disasters compared to other regions can lead to fewer claims and lower prices.

Lastly, the state’s extensive highway infrastructure and well-maintained road systems contribute to a lower likelihood of accidents, influencing rates positively.

Check out the car insurance prices in the main cities of Texas below for a quick preview:

Compare Car Insurance Rates by Zip Code in Andrews

Did you know that your car insurance rates may be affected by your address? Living in a lively neighborhood such as the Andrews Downtown area, known for its high traffic flow, can result in higher premiums due to the increased risk of collisions.

Andrews only has one zip code, area 79714, so all residents share this information when insurers calculate their coverage costs. An average driver in the city pays $151 for full coverage and $38 for state-required basic insurance.

Low-Cost Car Insurance Rates by Age in Andrews

If you’re hitting the road in Andrews or if you’re under 20, purchasing car insurance for teens can have a significant impact on your finances. Insurers frequently increase rates for new drivers because they are viewed as higher risk.

Look at the chart below to understand the breakdown of monthly costs for various age groups in Andrews.

How Many Accidents Happen Per Year in Andrews, Texas?

Car accidents impact your insurance premiums, and in Andrews, hundreds of crashes occur each year, according to statistics provided by the Texas Department of Transportation. In 2020, there were 155 crashes that resulted in no fatalities. The number of accidents decreased to 139 in 2021, but sadly, one person lost their life in an accident. In 2022, the number of crashes increased to 161, which is a cause for concern, although there were no fatalities recorded.

It’s essential to practice good driving habits to protect yourself and others on the road. This includes always avoiding distractions and never drinking and driving. By doing so, not only will you reduce your risk of accidents, but you’ll also lower your chances of needing high-risk auto insurance and the potentially high premiums that come with it.

Are Road Infrastructure and Bridges in Andrews Well Maintained?

In Andrews, you won’t find any bridges or roads in poor condition, thanks to the dedicated and constant maintenance provided by the Public Works Department. This department takes care of essential tasks such as collecting and transporting solid waste and recyclables, keeping the city streets and signage in good shape, and maintaining the city’s fleet and facilities.

Furthermore, the Texas Department of Transportation also plays a crucial role in improving the area. Notably, they completed significant upgrades along U.S. 385, which extends from Avenue K in Andrews to the Gaines County line. These improvements included culvert work, widening at strategic intersections, the installation of signs, pavement markings, and the addition of median cable barriers between the main lanes of the four-lane divided highway. These enhancements are expected to alleviate traffic congestion in the area for years to come.

If you are driving in Andrews, it’s important to be aware of the minimum car coverage requirements. The law mandates that you must have liability insurance that offers basic protection for individuals or their property that you may damage.

Here’s a quick breakdown for you:

• Your policy needs to take care of at least $25,000 for any property damage in an accident.
• When it comes to bodily injury and death, you need a minimum of $30,000 per person and $60,000 per incident.

Make sure your coverage meets these levels to comply with the law.

When you hit the Texas roads without car insurance, you’re heading straight into a world of trouble, with a lineup of potential penalties waiting for you, including:

• For your initial slip-up, you could face fines of up to $350.
• For repeat offenses, those fines can soar to a substantial $1,000.
• But that’s not all: you may also find yourself stuck with a $250 driver’s license surcharge every year for three years following your first offense, with an extra $250 piled on for each subsequent run-in with the law.
• What’s more: your vehicle could end up towed away, leaving you to foot the bill to retrieve it.
• And it gets worse: your registration and license could be on the chopping block, bringing along reinstatement fees.
• And for those who just can’t seem to learn their lesson: get ready for the Texas SR-22 insurance requirement and the specter of potential jail time for accidents.

When it comes to calculating your insurance costs in Andrews, your provider considers a few important factors to determine the best price for you:

• Your driving track record: Things like accidents, tickets, or needing special DUI insurance can flag you as a higher risk, which could lead to higher premiums.
• The type of vehicle you drive: If you’re sporting a luxury model or a high-performance car, you might end up paying more since they can be pricier to repair or more prone to theft.
• Your deductible: Choosing a higher deductible might help you lower your monthly payments.
• Your coverage limits: While having more coverage offers better protection, it can also increase your expenses.

By keeping these factors that affect auto insurance rates in mind, you can stay on top of estimating your premiums and ensure that your coverage aligns with your needs and budget.

When it comes to driving in Texas, every city has its own unique challenges to tackle. In bustling Houston, you might find yourself caught in heavy traffic jams during rush hour, testing your patience and navigation skills.

Meanwhile, Dallas is infamous for its intricate highway interchanges that can leave even the most seasoned drivers scratching their heads.

Heading to Austin, you’ll encounter tight, narrow streets and a bustling downtown area, which require extra attentiveness behind the wheel. In Andrews, the arid climate can also make for dry and dusty conditions on the road, requiring extra caution.

But don’t let that deter you from exploring all that Texas has to offer. With some extra attention and planning, you can navigate the city’s streets and highways with confidence. So, buckle up, stay aware of your surroundings, and enjoy the ride.

Were you aware that auto insurance discounts could put some extra cash in your pocket? It’s true! And if you happen to qualify for a few of these discounts, you might just see a noticeable decrease in your monthly expenses.

Now take a look at these deals that drivers in Andrews, like you, can benefit from:

And here’s another tip for you: think about bundling your policies with the same insurer. For instance, when you combine your auto policy with renters insurance, you could end up slicing your overall bill by a whopping 25%.