Find Cheap Car Insurance in Paris, TX

Paris, located in the heart of the Lone Star State, is definitely a city worth knowing. Dating back to 1844 and boasting stunning historical architecture like its Lamar County Courthouse that was built in the late 1800s.

Beyond its rich history, Paris is alive with cultural happenings, from the Sam Bell Maxey House State Historic Site to the Red River Valley Veterans Memorial. And let’s not forget the annual rodeo and livestock show, where the city’s Western spirit truly shines.

When it comes to hitting the road in Paris having reliable auto insurance is a must. Wondering where to find the best coverage, even if your driving record isn’t spotless? Acceptance Insurance has you covered. Discover the ins and outs of car insurance in Texas and uncover fantastic discounts – all you need to know to keep you, and your vehicle, protected on the road.

If you’re a resident of Paris searching for cheap car insurance, there’s good news for you. Beginning at just $40 per month, basic liability auto insurance in the area offers excellent value – $12 below the national average of $52 and $7 less than the Texas average of $47.

For those looking for full auto coverage to drive with added peace of mind, it’s available for approximately $151 per month. This is $18 less than the typical Texan premium and $17 cheaper than the national average of $168.

What Does it Mean if Texas Is an At-Fault State?

Residing in a fault-based state like Texas means being financially responsible in case of an accident. This includes:

• Covering medical expenses for those injured
• Handling funeral costs
• Repairing any property damage
• Addressing additional expenses like lost wages

To comply with the Lone Star State law, you must have liability coverage. This ensures you have the basic protection to cover accident costs. If you’re at fault, your insurer will handle the claims. If the fault lies with the other driver, you can seek compensation from their carrier.

Curious about how car insurance rates in Paris stack up against other big cities in Texas? Look at the comparison chart below and see for yourself:

Compare Car Insurance Rates by Zip Code in Paris

There are several factors that influence how much you pay for vehicle protection, such as your location and how much time you spend stuck in traffic. If you’re a regular commuter in a bustling city with lots of accidents and congestion, chances are you’ll end up paying more compared to someone living in a quieter neighborhood.

In Paris, there are just two ZIP codes. Here’s a breakdown of what you might expect to pay for your policy in each of them:

Low-Cost Car Insurance Rates by Age in Paris

If you’re under 23 or have a teenager in the family, you’re probably familiar with the challenges of getting car insurance for teens. Young drivers often face higher rates because they’re seen as higher risk.

Check out the chart below to compare how monthly premiums vary across different age groups in Paris:

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Accidents Happen Per Year in Paris, Texas?

Driving cautiously in Paris is key as accidents can significantly impact your insurance rates. According to the Texas Department of Transportation, the region experiences a notable number of collisions each year.

For instance, in 2021, there were 716 crashes leading to 4 fatalities. The following year, 2022, saw 585 accidents with 4 deaths. Looking ahead to 2023, there were 674 crashes resulting in 6 fatalities.

Are Road Infrastructure and Bridges in Paris Well Maintained?

Most of Paris’ infrastructure and streets are currently in excellent condition, largely due to recent improvements made by the city.

In addition, in 2024, the Texas Department of Transportation underwent a project to enhance US 82 on Lamar Ave from 33rd St to 42nd St. They focused on improving signage and implementing dedicated U-turn lanes in response to a notable frequency of accidents associated with this maneuver in the area.

When you’re driving around Paris, it’s crucial to understand the minimum insurance requirements you need to follow. This is the basic coverage set by the state of Texas for all motorists:

• You must carry at least $30,000 in coverage for bodily injury and death per individual and a minimum of $60,000 per accident.
• And remember your property damage coverage—it’s recommended to have $25,000 or higher to keep yourself covered.

Driving around Texas without auto insurance can lead to some serious consequences and costs. Here’s a breakdown of what you can expect if you’re caught without a policy:

For first and second offenses

• Fines range from $175 to $1,000
• Your vehicle may be impounded for up to 180 days
• Your driving privileges could be suspended for up to two years

If you’re involved in a major accident without vehicle protection, you may face:

• Hefty fines of up to $4,000 and legal penalties
• Your vehicle being impounded
• Suspension of your driving privileges
• Increased insurance premiums, as you might be seen as a higher-risk driver
• The need for SR-22 insurance

Your insurance rates are determined by more than just basic demographics. Various factors come into play in calculating how much you’ll be paying for coverage, including:

• The distance of your daily drive
• Your driving experience level
• The age and condition of your car
• Your insurance claims history
• Your credit history

Let’s say you accidentally bump into another vehicle while navigating your way through the Paris Main Street, or maybe misjudge a turn and end up brushing against a storefront. What happens next? Well, your liability coverage steps up to cover the repair costs for the other driver, ensuring you’re protected up to the limits set in your policy. Just keep in mind, this policy won’t extend to any repairs your own vehicle may need.

To drive with the peace of mind of having protection for both you and your vehicle, get a full plan.

Looking to get cheap car insurance premiums? Explore the different auto coverage discounts available that could help you keep some extra change in your pocket, such as:

Make sure to stay in touch with your local agent to stay informed about the discounts you may qualify for and get the best policy at the best price.