Find Cheap Car Insurance in Palestine, TX

Did you know that Palestine was founded in 1846 and shares its name with the ancient biblical land of Palestine? This city in East Texas holds a deep historical significance, with its downtown district showcasing buildings from the late 19th and early 20th centuries. Noteworthy landmarks such as the Anderson County Courthouse and the Carnegie Library reflect the city’s architectural and cultural heritage.

While you immerse yourself in Palestine, ensure you have vehicle protection. Learn how to get cheap car insurance in Texas and discover exclusive discounts available for drivers in the region. If your driving record is less than perfect, Acceptance has your back with the best affordable auto coverage solutions!

When you’re shopping around for car insurance in Palestine, you’ll see that the standard price for basic liability auto insurance, which is required by state law, averages around $40 per month. That’s $12 below the national average of $52 and $7 less than the typical cost for Texans, which comes in at around $47.

If you’re considering full car coverage, the monthly rate would be about $152. That’s $17 less than the Texas average of $169 and $16 less than the nationwide average of $168.

What Does Full vs. Minimum Mean?

When it comes to finding the right auto insurance for your needs, it’s important to understand the different types of coverage available. The key players are liability insurance, which can vary based on your location, and full coverage. Let’s dive into the details of each:

Full coverage

Imagine cruising the Palestine Main Street District when an unexpected collision occurs. If you have a full coverage policy, you can breathe a sigh of relief knowing that the costs to repair your vehicle and cover damages to others will be handled up to the limits outlined in your policy, regardless of fault.

Full car insurance includes liability protection as well as collision and comprehensive coverage, shielding you against theft, weather-related damage, and even vandalism. While this option may come at a higher cost, it provides a robust level of security and peace of mind.

Minimum liability

Shifting our focus to US 84, a highway known for a high number of accidents and fatalities, let’s consider the scenario with minimum liability coverage. In the event of an accident involving another vehicle that results in damages, your policy will step in to cover the repair expenses of the other car up to the specified limits. Unfortunately, your own vehicle won’t receive the same protection in this situation.

While minimum liability auto insurance is a more budget-friendly option, it offers a more limited scope of coverage.

Here’s a brief look at the prices of auto insurance in Palestine and some of the main cities in Texas to help you compare.

Compare Car Insurance Rates by Zip Code in Palestine

Living in a bustling city like Palestine, could up the odds of accidents and lead to expensive premiums. Locations surrounding US 287, for instance, pose significant risks for drivers.

Check out the table below to compare insurance rates in Palestine, sorted by zip codes.

Low-Cost Car Insurance Rates by Age in Palestine

Thinking about getting car insurance for teenagers? Consider that age plays a big role in determining your rates.

Although having a clean driving history and driving more miles can result in savings down the road, it’s important to know that rates may go up again once you hit 65. This is because older drivers are seen as higher risks due to potential declines in driving skills. Look at the table below for a breakdown of insurance costs in Palestine by age group.

*To figure out the average costs, we use the following approach: we consider a 30-year-old male, with the state’s minimum liability coverage and full 100/300/100 coverage.

How Many Fatal Accidents Happen Per Year in Palestine, TX?

Keep in mind that getting into car accidents can impact how much you pay for insurance. So, it’s a good idea to avoid risky moves and avoid distractions when driving.

According to data from the Texas Department of Transportation, Palestine experiences numerous accidents annually. In 2021, 432 crashes lead to 2 deaths. The following year, the city saw 404 collisions resulting in 3 fatalities, and in 2023, the number slightly dropped to 380 crashes and 1 fatality.

Are Road Infrastructure and Bridges in Palestine Well Maintained?

Following an outdated infrastructure dating back to the 20th century, the city government of Palestine has taken measures to revamp its streets and public services. This effort has been particularly focused on the historic downtown area, where the installation of new drainage and sewer systems aims to mitigate the recurrent flooding issue.

The city remains committed to evaluating and repaving its 491 roads to uphold their good condition and cultivate a safer environment for pedestrians, drivers, and cyclists.

In Palestine and throughout the Lone Star State, it’s crucial to have liability coverage to comply with legal regulations. Make sure your policy meets these basic requirements:

• Maintain coverage of at least $25,000 for property damage in accidents.
• Moreover, for injuries and fatalities, you’ll need a minimum coverage of $30,000 per person and $60,000 per incident.

Taking to the roads of Texas without a vehicle protection plan can land you in a world of trouble. You might find yourself facing initial fines ranging from $175 to $1,000, the possibility of your vehicle being impounded for up to 180 days, and your driving privileges suspended for up to two years.

In addition, if you’re involved in a serious or fatal accident, you could be looking at fines of up to $4,000 and legal penalties. On top of this, be prepared for increased premiums and the requirement for SR-22 insurance as a higher-risk driver.

When figuring out how much you’ll pay for coverage, providers look at a bunch of factors like your personal details, local area trends, and the wheels you’re rolling in. Here are a few more aspects that could impact your insurance premiums:

• Your driving record
• The number of miles you drive annually
• The safety features in your vehicle
• Your age
• Your insurance history, including claims
• Your level of education

Young drivers in Palestine face high car insurance premiums, with basic policies averaging around $199, a significant difference compared to the $40 rate for a similar policy for a 30-year-old driver. This almost fivefold increase in cost is primarily due to the perceived higher risk associated with young and inexperienced motorists.

If you are a teenager, not yet in your thirties, or just starting to drive, hang in there. As you rack up more time behind the wheel, your rates should start to level out. And don’t forget to shop around and compare different quotes before you make any decisions. Getting some advice from a local agent can also help you find more wallet-friendly options that are tailored to your needs

If you need to find cheap car insurance in Palestine, you’re in luck! There are several discounts for drivers available that can help you secure a competitive deal, including: