Abilene Car Insurance

Your Guide to Car Insurance in Abilene, TX

Find the right car insurance policy for you.

Anyone who has ever driven on Buffalo Gap Road or Interstate 20 near Abilene knows how dangerous these roadways can be when heavily congested with traffic. Additionally, as the southwest section of this city continues its rapid growth, area roads like Winters Freeway and Industrial Boulevard are becoming more heavily trafficked. Accidents can happen anywhere and can be financially devastating. Fortunately, you can protect yourself with a comprehensive Abilene, TX car insurance policy.

You can get help finding an affordable car insurance policy by contacting an insurance agent in the Trusted Choice® network. These independent agents can help you assess your coverage needs, explain your options and provide you with a variety of policies to review. Contact a member agent in your neighborhood for more information and start comparing Abilene auto insurance quotes today.

Texas Car Insurance Costs:

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th most expensive premiums in the US

Average car insurance rates in this state are a bit higher than in most of the county. It is therefore in your best interest to comparison shop before purchasing a policy so that you can find affordable car insurance. Of course, average rates are meant to be used as guidelines only. The actual cost of your policy will depend on several factors, including your age and driving record, the make and model of your car and where and how often you use your vehicle.

Many accidents are caused by careless driving, speeding and driver distractions and are therefore preventable. However, it is extremely difficult to avoid accidents that are caused by hazardous road conditions or the reckless actions of others.

Abilene Auto Insurance Provides Liability Coverage

If you own a car in Texas, you will be required to have liability insurance before you can take it out on the road. Every state has minimum liability coverage requirements for drivers, and Texas is no exception. Laws governing insurance mandates are designed to protect both your finances and those of any third party with whom you may be involved in a collision. You will need to be certain that your Abilene car insurance policy meets this state’s requirements.

Texas Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage

Failure to carry the required coverage in Texas doesn’t incur jail penalties. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.

Although these required minimums may seem high, a major collision that involves debilitating injuries or fatalities has the potential to go well beyond the coverage limits of a basic policy. If this happens, you will need to pay the excess costs out of pocket. To prevent this from happening, most insurance experts recommend purchasing as much liability protection as you can afford.

Texas Uninsured Motorists:

  • National uninsured motorists: 12.6%
  • Texas uninsured motorists: 13.3%
  • Average vehicle repair cost in Texas: $2,434

The number of uninsured drivers in Texas is a bit higher than the national figures. Uninsured motorist coverage is not required in the state, but you may want to consider purchasing it. Doing so will give you the peace of mind that comes from knowing that damage and injuries caused by a driver who doesn't have insurance will be paid by your insurance company.

Abilene Car Insurance Can Provide Comprehensive Coverage

Most people finance their vehicles when they buy them, and they are frequently required to carry comprehensive coverage by their lender. Comprehensive coverage goes beyond basic liability coverage. It will provide you with compensation if falling objects, weather-related events, fires, vandalism or theft lead to loss or damage to your vehicle.

Car Thefts in Texas:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Texas vehicle thefts (per 1,000 registered vehicles): 3.28

Recently, 364 vehicles were reported stolen in Abilene. This equates to only 3.01 vehicle thefts per 1,000 registered vehicles, which is higher than the national average.

City residents should take appropriate precautions such as locking their vehicles when not in use. In the unlikely event that your car is stolen, a comprehensive Abilene car insurance policy will provide reimbursement for your loss.

Find a Great Abilene Car Insurance Policy

Most insurance experts will tell you that the best way to be certain you are purchasing your car insurance policy at a competitive rate is to obtain a minimum of three insurance quotes. Agents in the Trusted Choice network can make comparison shopping easy by obtaining a variety of Abeliene auto insurance quotes for you and by explaining the various coverage options that are available with each. All member agents have taken a pledge to provide their customers with great service and ethical advice.

Your local Trusted Choice member agent can do more than simply help you find an affordable car insurance policy. These agents are available to assist you with all of your insurance-related questions and needs. Find a network agent in your neighborhood today and begin reviewing your competitively-priced selection of Abilene auto insurance quotes.

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