Wichita Falls Car Insurance

Your 2017 Guide to Buying Car Insurance in Wichita Falls, TX

Even though Wichita Falls is a relatively small Texas city, multiple interstates, freeways, and highways thread their way through town. If you live in the city you probably know how important it is to have the right Wichita Falls, TX car insurance policy to keep you and your family protected.

To find the right coverage for your needs, contact a local, independent agent in the Trusted Choice® network. These local agents help you compare Wichita Falls auto insurance quotes from multiple insurers. Find an agent near you 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 U.S.

Car insurance companies use a variety of factors to determine each vehicle owner’s individual rates. Yours will be based upon your driving history, age, and the type of vehicle you drive. A good local agent can help you select the right coverage options and insurance provider for your unique needs.

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

Every Wichita Falls driver needs to purchase minimum required liability insurance as mandated by the state. There are stiff penalties for failure to carry the required insurance coverage. 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.

This coverage pays the cost of damage and injury to others in a collision. It also pays court costs and your legal defense for related lawsuits, up to the limits of your policy. In addition to liability coverage, it is a good idea to carry collision and comprehensive coverage, to protect you from the expense of a collision, fire, hail, or theft. You can also get extra protections like roadside assistance for a very small increase in premium.

Texas Uninsured Motorists

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

The percentage of Texans without required coverage is higher than the national average. Uninsured motorist coverage is not required by the state, but it can provide extra security. Knowing damages will be covered if an at-fault driver does not have liability insurance or the money to compensate you can give you peace of mind on the road.

The state has begun cracking down on uninsured motorists with a new computerized system called Texas Sure. In addition, nearby Dallas impounds vehicles without proper coverage.

Car Thefts in Texas

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

The Wichita Falls metropolitan area ranks 143rd on the National Insurance Crime Bureau’s list of U.S. cities with the most vehicle thefts. The state has a higher-than-average rate of vehicle thefts as well. You can decrease your risk for this type of loss with a few common-sense precautions, such as always locking your car, never leaving valuables in sight, and parking it in a well-lit or secure location whevenever possible.

Addional protection can be provided by comprehensive coverage, which will compensate you for the financial loss of car theft. You can insure for actual cash value, which reimburses you for the cost of the car, minus depreciation. Or you can insure for replacement cost, which pays to buy a new car when your old one is stolen.

Compare Wichita Falls Auto Insurance Quotes

Finding the right insurer and selecting the best coverage options can be a time-consuming task. A local independent member agent in the Trusted Choice network can assist you by comparing Wichita Falls car insurance quotes from multiple carriers. To get started, simply contact a local member agent today.

Now, who's ready to get their insurance problems solved?