Pearland Car Insurance

Your Complete Guide to Pearland, TX Car Insurance

(And why you need to find an independent agent.)

Pearland Texas car insurance

The town of Pearland, Texas is known for golfing, crawfish festivals, and pear trees. This city of 119,940 residents that was once prairie land is now a big city full of entertainment and restaurants.

In Pearland, you're likely to use a vehicle for cruising the historic streets, and for that, you'll need car insurance. Connect on with an independent insurance agent who can help.

Pearland, TX Car Insurance Requirements

A driver in Pearland, TX, must have the minimum liability limits to use the road. Each state mandates a set car insurance requirement in order to drive. Let's look at the numbers for Texas:

  • A minimum per person liability limit of $30,000
  • A minimum per accident liability limit of $60,000
  • A minimum of $25,000 in property damage liability

The average cost to replace a vehicle is over $30,000 in today's market. That means you wouldn't have enough coverage with the state's minimum liability limits if an accident occurred. Discuss with your local agent the limits your auto policy needs for you to be properly insured.

Other Car Insurance Options in Pearland, TX

Car insurance coverage varies from person to person. In order to have adequate protection, you'll need a customized auto policy. There are many optional coverages to choose from, and your agent can help you decide which you need. Take a look at some coverage options below:

  • Medical payments insurance: This will pay for a smaller medical expense resulting from a claim without using your liability limit.
  • Towing insurance: This will pay for a tow service. 
  • Rental car insurance: This will help pay for a rental car if it's needed due to a covered loss.
  • Gap insurance: This will pay the difference between the current value of a covered auto and the loan amount left when a total loss occurs.
  • Comprehensive insurance: This will pay for property damage to your vehicle when it's not the result of a collision.
  • Collision insurance: This will pay for property damage to another person's auto or property when a crash happens.

You may not know if your current auto policy has these coverages or if you need them. Get with your Pearland independent agent to discuss optional coverages and how they may apply to you. 

What about Uninsured or Underinsured Drivers In Pearland, TX?

Every state has a percentage of drivers that choose not to obtain the state-mandated insurance. Even though they could get fined or jailed for breaking the law, some people are rule-breakers. If you don't want the decisions of another driver to affect you, there is coverage you can get. Let's look at the percentage of uninsured drivers:

  • National average: 13.0%
  • Texas average: 14.1%

Pearland has some uninsured drivers on the roadways. To safeguard yourself and your family, you'll want protection. Uninsured/underinsured motorist insurance will provide coverage for you when the other driver is at fault and doesn't have insurance. Without this coverage, your expenses would have to come out of your pocket, or you would have file a lawsuit for damage and medical expenses. Chat with your independent agent about uninsured/underinsured motorist insurance today.

Does Theft Affect Your Pearland, TX Car Insurance?

Theft rates will affect your insurance premiums across the board. The more crime in an area, the higher your auto premiums will be. Fortunately, Pearland has a reasonable crime rate compared to the state and national numbers. Take a look at the theft rate averages below:

  • National theft rate (per 1,000 vehicles): 2.37
  • Texas theft rate (per 1,000 vehicles): 2.48
  • Pearland theft rate (per 1,000 vehicles): 1.53

The theft rate in Pearland is relatively low, especially for a larger city. This speaks to the safety in this historic town. Talk to your independent insurance agent about how the crime rate affects your specific car insurance premium.

What Does Car Insurance Cost in Pearland, TX?

Outside and individual factors help insurance carriers determine car insurance rates. Each premium is individualized based on specific criteria that the companies use.  

Auto Insurance Premium Rating Factors:

  • Crime rate 
  • Your insurance score
  • Your credit score
  • Your age
  • The coverage selected
  • The vehicle and driver insured
  • The motor vehicle record of each driver
  • The value of each vehicle
  • Where you live

The price you will pay for car insurance is different from that of your neighbors. While you may drive, live, and commute the same as someone else, your premium can still differ. The state and national averages will give you an idea of where your rate could fall:

  • Average national car insurance rate: $1,005
  • Average Texas car insurance rate: $1,823

Connect with your Pearland insurance agent to see how the rating factors impact your car insurance premium. 

Should You Drive for Uber in Pearland, TX?

Pearland is a larger city and would have some use for for-hire livery services like Uber. When it comes to insuring a livery service, you may be surprised to find that your personal auto policy excludes coverage. 

The carrier views any for-hire livery services as a business, and that needs a commercial auto policy. This type of policy will typically be able to cover use on and off duty. It will also provide the protection you need should the worst happen. The best way to find out what a business policy will cost is to speak with your independent agent.

Connect with a Local Independent Agent in Pearland, TX

If you work with an independent insurance agent, it's free and could save you money. An independent agent quotes your car insurance with several carriers to have options on coverage and price.

You no longer have to comparison shop on car insurance, because an agent can do that for you. Go to TrustedChoice.com and get matched with a local independent agent today.

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TrustedChoice.com Article | Reviewed by Candace Jenkins

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