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Everything You Need to Know About Auto Insurance in Texas
Paris, Texas is a friendly and affordable city surrounded by beautiful nature. Visitors can take a photo with the 65-foot Eiffel Tower replica. You can enjoy the Paris Balloon Festival, Tour de Paris bike ride, fishing, boating, and picnicking at Lake Crook, hiking, camping, and wildlife viewing at Cooper Lake State Park, visit the Paris Lamar County Heritage Museum, or catch a show at the Plaza Theatre.
Many places are within driving distance in Paris, so entertainment is always within reach. The weather and road conditions are typically straightforward, with the occasional thunderstorm and intense summer heat that can impact road safety and visibility.
Given these risks, you’ll want reliable coverage in case something unexpected happens when you’re commuting on Loop 286 or heading downtown via Clarksville Street or Lamar Avenue. Continue reading to learn more about auto protection in Texas and how to find affordable rates near you.
How Much Does Car Insurance Cost in Paris, Texas?
Texas has lower auto premiums than the rest of the nation, including in Paris. Most locals pay about $50 per month on state minimum required liability insurance and approximately $150 monthly for full coverage auto insurance.
The Texas average for minimum liability hovers around $47 and $169 for full coverage. In the United States, most motorists spend about $62 on minimum liability and $212 for full protection each month.
What Does Full vs. Minimum Mean?
Understanding auto protection can be challenging, and we can help clear things up for you. Full coverage is an all-encompassing auto policy with liability, collision, and comprehensive features. State-minimum liability is the most basic auto plan you can purchase and has more limitations.
State-minimum liability includes coverage for bodily injury and property damage to other parties in an accident with you, up to the maximum amount listed in your terms in conditions. However, if you need repairs, these expenses aren’t covered.
If you want more benefits, full coverage plans include protection if you get in an accident (collision) or a non-collision event, regardless of who is at fault, like theft or vandalism (comprehensive).
Full and minimum auto coverage is offered in all 50 states, although each has its own rules and regulations regarding each of these policies. We’ll review Texas’ requirements more later.
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Affordable Car Insurance Rates Comparison by Cities in Texas
Below is a table showing the typical premiums for people in Paris compared to other Texas locations.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Paris | $150 | $50 |
| Keller | $152 | $56 |
| Spring | $177 | $69 |
| McAllen | $185 | $73 |
| McKinney | $158 | $59 |
Affordable Paris Car Insurance Rates by Zip Code
Did you know that your home zip code holds the key to determining your insurance premiums? That’s right! Insurers consider various factors to assess risk levels in your area. Paris, with its lower population density, fewer claims, and lower crime rates, is considered much safer than larger urban centers in Texas.
Here are the average rates Paris residents pay for auto protection by zip code.
| Zip code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 75460 | $151 | $50 |
| 75461 | $151 | $50 |
| 75462 | $149 | $49 |
Low-Cost Car Insurance Rates by Age in Paris
Like in the rest of the country, auto protection for teens and young drivers is more expensive than other ages. Statistically, these groups file more claims and are a bigger risk to providers, so they pay higher prices as a result.
This chart lists the typical monthly auto payments in Paris based on age.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $487 | $175 |
| 20s | $215 | $70 |
| 30s | $145 | $48 |
| 40s | $139 | $48 |
| 50s | $129 | $45 |
| 60s | $137 | $51 |
| 70s | $146 | $56 |
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 Paris
How Many Fatal Accidents Happen in Paris?
Paris is a mid-size city with its share of accidents, like any location. Between 2013 and 2022, the National Highway Traffic Safety Administration reported an average of three to four fatalities from auto accidents in Paris. There were often three to five deaths per year, although some years only had one or two.
These numbers aren’t fun to think about, but they are important. Even though Paris is safer and smaller than other places, you still want to protect yourself and your passengers if an emergency happens while driving. Choosing a plan with a reliable, trustworthy carrier will ensure you have the support you need when you need it.
How Are the Road Infrastructure and Bridges in Paris?
Overall, road and bridge infrastructure has average rankings. The Texas Department of Transportation (TDT) studies Texas road safety to determine what projects are needed, if they are cost-effective, and ensure they do not negatively interfere with surrounding areas.
One of the most recent projects that created safer commuter conditions is on US 82 (Lamar Ave.) from 33rd to 42nd Streets. The TDT built a center median and turn lanes on US 82 to reduce conflict between oncoming vehicles, increase traffic flow, and improve vehicle turning capabilities in this high-volume area.
These improvements started in February 2024 and are likely to reduce the likelihood of collisions after completion.
Minimum Car Insurance Requirements in Paris
In Paris, mandates are the same as those of the rest of Lone Star State. All Texas auto plans must contain the following requirements:
- A minimum of $30,000 per person and $60,000 per incident for bodily injury and death liability protection
- A minimum of $25,000 per incident for property damage liability protection
What Are the Penalties for Driving Without Insurance in Paris, Texas?
Driving without auto coverage in Texas is a big “no-no.” The Lone Star state requires all motorists to have active policies to drive legally, and you can face heavy penalties and fines if you get pulled over and can’t prove you have a policy.
If you’re a first-time offender, here are some of the consequences you can expect:
- One-time fees as much as $350 in total
- An annual $250 driver’s license surcharge for three years
If you have subsequent offenses, you can also experience:
- Fines up to $1,000 for each transgression
- Another annual $250 driver’s license surcharge for three years for each offense
- Vehicle impoundment and fees to regain possession
- Up to six months of jail time if you get in an accident
To avoid hassles like these, purchase auto protection that meets or exceeds state mandates. You’ll have the coverage you need and can drive confidently, knowing you are within the law.
Find an office near you to help with your auto insurance
Factors Allowed in Paris Car Insurance Rates
Insurers use more than your age and zip code to calculate your premiums. Here are five more qualities carriers consider:
- Your Marital Status: Statistically, married individuals get into accidents less frequently, so rates are sometimes less for this group of people
- Driving history: Having a clean record can pay off with reduced rates
- Vehicle type: Insuring a sedan can be less expensive than an SUV
- Deductible amount: Higher deductibles usually mean lower premiums, and lower deductibles typically mean higher premiums
- Job title: Carriers note if you drive a lot for work as this can impact your rates
What Happens if I Damage Property?
Did you know that in Texas, if you’re in an accident and you damage someone else’s property, you’ll be held financially responsible for repairing or replacing it? This means that if you hit another car, a tree, a street light, or even a building, your insurance will help cover the costs up to a certain limit. It’s important to keep this in mind to ensure that you’re prepared for any unexpected expenses that may arise in the event of an accident.
You may wonder if you need property damage protection, and the short answer is yes. Since all Texas policies must include $25,000 or more in property damage coverage, even minimum liability plans ensure you meet the mandates for this aspect of your policy terms. However, you need a plan that meets bodily injury and death liability mandates to meet Texas requirements.
What Are the Best Discounts for Car Insurance in Paris, TX?
Even if you’re a young driver or have a less-than-perfect driving record, there are ways to save money and lower your auto premiums. Most insurers offer discounts, and you can lower your monthly payments if you qualify.
Here are some of the available discounts in Paris, Texas:
Multi-Policy Insurance Discount: Insure two or more of your assets with the same carrier, like auto and motorcycle insurance, lowers your overall costs
Military Auto Insurance Discount: Active or former U.S. military members receive a discount on their rates as a thank-you for their service
Senior Citizen Auto Insurance Discount: People over 55 can qualify for reduced rates
Paid In Full Auto Insurance Discount: Paying your annual premium up-front costs less than if you paid monthly
Defensive Driver Class Car Insurance Discount: Taking a defensive driver class improves your skills and saves you money on your premiums
Another thing to note is that if your vehicle has certain safety features, you can lower your rates. These savings will stay on your bill until you switch to a new make and model. Check with your insurer to see what savings you qualify for so they can add these reductions to your next invoice.
Freeway Insurance is here to help all Paris locals enjoy everything the city offers – from its small-town feel to access to nature’s elements – with proper auto coverage for all your adventures on the road. We offer policies that meet Texas mandates at affordable prices. Visit us online to get a free quote or learn more about our products, stop by a Texas office near you, or call 800 777-5620 to speak with one of our agents.
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