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Everything You Need to Know About Auto Insurance in Texas
Welcome to the Lone Star State! Mission, a Texas city located in the Rio Grande Valley and near the Mexico border, has culture, history, and natural beauty that locals and visitors appreciate.
There are plenty of places to explore in Mission, and you can easily drive to them, like the iconic La Lomita Chapel, a historic Catholic church dating back to the 1800s. There’s also the Bentsen-Rio Grande Valley State Park, a haven for birdwatchers and nature enthusiasts. In fact, the World Birding Center attracts many people and houses 500 species of birds from nine sites across the region.
The area’s historical roots are captured at the Mission Historical Museum, which has exhibits about how Native Americans contributed to the development of South Texas. However, amid the allure of Mission’s cultural and natural treasures, you’ll have to drive through various terrain that presents risks.
Whether you are cruising along the palm-lined boulevards or venturing to nearby destination – such as the border city of McAllen or the shores of South Padre Island – you’ll need reliable Texas auto protection to safeguard your vehicle from unpredictable weather conditions, traffic on major thoroughfares like Interstate 2, and the potential for accidents and mishaps. Let’s see how you can find affordable coverage to keep all your passengers safe during your adventures.
How Much Does Car Insurance Cost in Mission, Texas?
Mission drivers pay approximately $73 per month for state-minimum required liability insurance. This amount is $26 more than the typical payment for the same types of policies in Texas, which is around $47 per month. Furthermore, Mission motorists pay $11 more per month than the national mean — approximately $62.
Full coverage auto insurance in Mission costs around $185 per month, $16 more than Texas’s average of $169. However, these prices are $30 less than what the average person in the nation pays, which is $215.
What Does it Mean if Texas Is an At-Fault State?
In an at-fault state like Texas, if you cause an accident, you are financially responsible for any losses and damages resulting from the incident. These costs can include the medical bills of anyone injured, the funeral costs of anyone who died, and compensation for any resulting property losses.
Additionally, Texas incorporates a legal principle known as comparative fault. Under this legislation, if more than one individual is responsible for causing a crash, each party is required to pay a proportionate amount of the expenses and repairs based on their respective degree of fault.
As a result of these laws, Texas residents must have auto coverage that meets or exceeds the minimum requirements to help drivers cover any costs they may be responsible for.
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Affordable Car Insurance Rates Comparison by Cities in Texas
This chart shows the monthly rates for Mission residents compared to people living in cities across Texas.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Mission | $180 | $71 |
| Bryan | $145 | $54 |
| Kyle | $150 | $54 |
| Brownsville | $176 | $67 |
| Corpus Christi | $151 | $57 |
Affordable Mission Car Insurance Rates by Zip Code
Your premium prices are affected by your zip code. In Mission, the number of personal injury lawsuits filed due to vehicle-related claims is higher than in other Texas areas and impacts pricing. However, there are ways to prevent common auto accident injuries, especially if you implement safe driving habits and stay focused on the road. Plus, habits like these help keep your premiums low.
Here’s how much people in Mission residing in various zip codes pay for their full coverage and liability policies.
| Zip code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 78503 | $185 | $73 |
| 78572 | $177 | $68 |
| 78573 | $183 | $70 |
| 78574 | $182 | $70 |
Low-Cost Car Insurance Rates by Age in Mission
In general, insurers consider people under the age of 25 high-risk and thus have more expensive premiums due to statistics that report this age group files more claims than any other. Prices are exceptionally high in Mission because of the number of claims filed in the area for teenagers and young adults.
This chart contains the typical monthly payments for auto protection in Mission by age group.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $577 | $253 |
| 20s | $252 | $99 |
| 30s | $170 | $66 |
| 40s | $165 | $66 |
| 50s | $152 | $62 |
| 60s | $163 | $70 |
| 70s | $174 | $78 |
We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.
Driving Conditions in Mission
How Many Fatal Accidents Happen in Mission?
The National Highway Traffic Safety Administration annually publishes data about traffic-related fatalities in Mission. From 2012 to 2022, the NHTSA reported an average of three to four crashes per year. According to these statistics, some years only had one to two fatalities, while there were five to seven during others.
While these numbers are concerning, having auto protection with a reliable provider will help alleviate the potential financial burdens resulting from many accidents.
How Are the Road Infrastructure and Bridges in Mission?
Did you know that the American Society of Civil Engineers rates every state annually based on the condition of their infrastructure? Texas got a “C” grade this year, but there is some good news! The state’s ranking improved from the previous year, thanks to the $25 million funding for the Anzalduas Bridge Expansion Project in McAllen.
Texas is known for its bustling economy, and public funds are being used to maintain the safety of its streets. The local government is prioritizing these infrastructure projects to preserve the state’s most crucial routes.
Minimum Car Insurance Requirements in Mission
Texas defines minimum liability mandates for vehicle coverage, including those in Mission. If you reside in the Lone Star State, your liability policy must have:
- Bodily injury and death liability coverage per individual involved and per accident, with a minimum of $30,000 per individual and $60,000 per incident
- Property damage liability insurance, with a minimum of $25,000 per incident
What Are the Penalties for Driving Without Insurance in Mission, Texas?
If law enforcement stops you in Texas and you’re driving without an active auto plan, it is seen as a failure to maintain your coverage. When you don’t have proof of your policy, it can result in some major consequences.
If it’s the first time you get a ticket for this offense, you’ll experience fines up to $350 and/or pay an annual driver’s license surcharge of $250 for three years. If you get caught more than once, you risk receiving more of the following penalties:
- An additional fine per offense $250, paid annually for three years
- Impoundment of your vehicle and hefty fees to regain possession
- Receiving an SR-22 insurance requirement and/or jail time if you get in an accident
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Factors Allowed in Mission Car Insurance Rates
Underwriters analyze various factors to determine the cost of your premiums. Interestingly, you’ll need to understand your auto protection deductible because that number can impact how much your monthly premium will cost. Some additional qualities insurers consider include:
- The type of vehicle you drive
- Your driving history or record
- Your age and gender
- Your title at work
- Your highest level of education
Here’s What You Need to Know About Driving in Texas
Like any state, Texas has unique right-of-way rules and driving customs, and familiarizing yourself with them will help make your ride smoother, safer, and more enjoyable. Understanding why highway etiquette is important can also go a long way to make the experience safer for everyone, even if it’s just a simple courtesy wave to thank other motorists.
Another thing to keep in mind is navigating Texas’ expansive highway network. There are thousands of miles of intersecting interstates, making long-distance travel a common occurrence. Since Mission is close to the United States/Mexico border, many motorists pass through the area to get to their destination on either side.
So, whether you are going about your daily commute or driving towards a getaway in Mexico, being aware of the varying conditions and traffic patterns you can encounter will only benefit you in driving safely in The Lone Star State. And, if you really want to go the extra mile – literally and figuratively – you can receive additional education and discount benefits when you take a defensive driving course to improve your skills.
What Are the Best Discounts for Car Insurance in Mission, TX?
Many providers offer discounts for auto protection to lower your monthly bill. Some of the popular savings for Mission motorists include:
-
Customer Retention Insurance Discount
-
Safe Driver Discounts
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Anti-Theft Car Insurance Discounts
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Paid In Full Auto Insurance Discount
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Senior Citizen Auto Insurance Discount
Even if your auto coverage increases in 2024, you can still save money by bundling your policies with the same insurer. For instance, if you switch your homeowners plan to your auto coverage carrier, you can reduce your payments by up to 25%.
In Mission, you get the best of both worlds—access to beautiful state parks and American history and convenience to many nearby areas. Mission locals are required to have an auto policy that adheres to Texas’ minimum protection mandates, and Freeway Insurance has the policies you need at affordable prices. To see what products we offer or to get a quote, visit our website, stop by the closest Texas office, or call us at 800 777-5620 to speak with an agent.
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