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Auto insurance in Pearland, TX, is higher than most other cities because Texas as a whole pays more in auto insurance premiums than other states nationally. Texas drivers will spend an average of $1,900+ per year for their coverage, which is around $500 more than the national average of $1,449 per year. This means that drivers in Pearland, Texas, will need to budget around $160 per month on average to stay protected.
Cheap auto insurance, however, can still be found, and doing so starts with knowledge. There are many factors that contribute to the amount you’ll pay on auto insurance premiums including personal factors and industry-wide variables that each car insurance company will assess. By exploring these factors, you can better understand the average for your city and the amount you can expect to pay for your protection.
The main goal of any motorist is to find the right level of protection for their vehicle(s) without having to overpay to receive it. At Freedom Insurance Group, we work for you, not any singular insurance brand, and can compare car insurance coverages to deliver you personalized protection all at an affordable rate. Explore how we help provide auto insurance in Pearland, TX, with dedicated customer service and for less than the competition.
How Much Is Auto Insurance in Pearland, TX Each Month?
While the amount you’ll pay for car insurance in Pearland, Texas, will vary. Here are some of the average monthly rates drivers in Pearland, TX, can expect to pay based on a variety of factors:
Average Monthly Auto Insurance by Age:
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Why Is Texas Auto Insurance So Expensive in Pearland?
Many complex reasons are leading drivers in Pearland, Texas, to the same realization: auto insurance is becoming more expensive. There isn’t a singular reason, but rather many different variables that are affecting auto insurance rates. They range from personal decisions such as choosing additional coverages such as gap insurance to statewide trends and even include global economic conditions. Get to know some of the most common factors that are causing auto insurance rates to rise:
Pearland’s Increasing Population Density
The city of Pearland, TX, continues to see notable growth as it is one of the most desired cities to live in the Lone Star State as well as the country in general. The cost of living and economic strength combined with it being one of the safest places to raise a family makes it an attractive option for thousands of families. However, considering that as many as 84% of Texans live in urban areas rather than the national average of 80%, you can expect to see higher auto insurance rates.
Even though Pearland, Texas, is a suburb, there are many more urban features than rural. Living in more populated cities means that there are more drivers which results in higher amounts of traffic and an increased chance of an accident. There is also an increased risk to have your vehicle broken into, vandalized, or stolen.
More Risk of Fatal Accidents
The state of Texas tops the list for fatal car accidents. This is a terrible place to be for both those affected and on a lesser, but relevant note, as an auto insurance company. Accidents that result in death cost more because the loss is much greater and expensive claims related to inflated fatal car accident statistics mean that drivers are going to pay more for protection in Pearland, Texas.
Texas Has Higher Speed Limits Than the Other States
Faster speed limits allow Texans to move across their massive state more efficiently, but it also means that they are going to have to spend more on auto insurance coverage in the process. You’ll save time leaving Shadow Creek Ranch to have a weekend in Lake Jackson down SH 288, but the increase in speeds still comes at a price.
Texas holds the fastest overall allowable speed in the nation reaching 85 MPH, while also maintaining the fastest average allowable speed of 75 MPH. The faster allowable speed limits combined with the increase of vehicles mean that there is a higher risk of deadly accidents which means that car insurance companies may have to pay more money when settling a claim. As a customer, these costs are passed on to you to reflect the increase in the risk involved.
Uninsured Motorists
Uninsured motorists harm everyone with their actions because not only are they a major inconvenience in the aftermath of a wreck, but they also raise auto insurance premiums for people doing the right thing. As much as 15% of all Texan drivers on the road today do not have liability coverage, a percentage that is higher than the national average. Because of this risk, drivers in Texas pay higher premium rates as it is more likely that you’ll be involved in an accident with someone who is not properly insured.
Longer Commutes
Whether you are on SH 288 heading to or from Houston or simply trying to navigate Broadway St., you are going to inevitably run into serious traffic in the Pearland, Texas, area. The average commute for drivers in Pearland, TX is nearing 33 minutes, which is higher than the national average. The increase in population is bringing more traffic and the increase in both traffic and vehicles means that you are at a higher risk of getting into an accident. These risks mean higher insurance rates for drivers.
General Driving Trends in Texas
The driving trends in the Lone Star State aren’t helping drivers pay cheaper car insurance premiums. Coming in second in both landmass and population, Texas is big and that means you are going to drive farther than you might in other states and deal with many more drivers. This combination makes it more likely for you to be involved in a wreck and it means that yet again, a force outside of your control could cost you more for protection.
Minimum Requirements for Coverage Are Higher in Texas by Law
Texas legislation has taken into consideration the rising costs associated with car accidents. All drivers in Texas have to maintain liability coverage with at least $30,000 coverage for injuries per individual, $60,000 for injuries per accident, and $25,000 worth of coverage for property damage.
Natural Disasters
Pearland, TX, can face serious flooding threats as well as hail and tornado threats from severe thunderstorms. There is also the threat of storms coming in from the Gulf of Mexico that raise auto insurance prices and threaten to destroy or damage your vehicle. But even beyond these natural disasters, other forms of extreme weather such as wildfires continue to damage cars and skew statistics for the entirety of Texas.
Personal Factors
Every driver is different and will have different circumstances surrounding their coverage. Furthermore, each insurance brand will assess every factor differently according to its own methods. This is just one of the many reasons that you can shop the same auto insurance policies among car insurance companies and find that you’ll receive a different rate even if everything else is exactly the same. Here are some personal factors all insurance brands will consider when calculating the amount you’ll pay for auto insurance:
Age.
Where you live and drive.
Your driving record.
Your claims history.
The type of vehicle you are insuring.
The number of coverage options you enroll in.
The amount you choose to pay in deductibles.
The most important rule of thumb to remember is that if you are a driver that possesses less risk, you’ll enjoy cheaper car insurance rates. If you are a riskier driver, however, you’ll be forced to pay a higher rate for your protection.
Pearland Insurance Discounts for Auto Policies
Cheap car insurance quotes begin to really shine when the best auto insurance discounts are applied. While drivers are unlikely to qualify for every car insurance discount available, the good news is that there are many different options and likely something that fits your qualifications to deliver savings for your coverage. Here are some of the best discounts available to drivers in Pearland, TX:
Bundling Discount
Bundling is one of the most popular ways to save on auto insurance because it is not only common but is also one of the most effective discounts available. Both homeowners and renters alike can bundle their policies with their auto insurance coverage to maximize protection and savings. Drivers in Pearland, Texas, can also enjoy savings through multi-policy discounts when needing to insure multiple vehicles. Progressive is one of the best examples of such savings averaging a 12% discount when insuring multiple vehicles and a 5% drop for drivers who purchase multiple insurance policies.
· Potential Savings: 1% – 17%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Billing Discount
Being able to pay for your car insurance online can help you save on costs in the long run. Drivers who set up automatic billing or pay electronically can get savings passed down to them for helping companies save on overhead. You can also receive discounts for paying all of your premiums at once. Allstate provides large discounts to drivers who use automatic billing, but in Texas, almost every auto insurance brand will offer some form of discount based on these principles.
· Potential Savings: 2% – 25%
· Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.
Customer Loyalty Discount
Staying loyal to your auto insurance company can provide you with great discounts that help you save more. It’s important that drivers compare their auto insurance coverage from time to time, we recommend a yearly audit, but a customer loyalty discount can give you a great incentive to stick around long-term and save more than you would when switching.
· Potential savings: 2% – 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Customer Retention Discount
Some car insurance companies grant discounts to customers as a last-ditch effort to keep you from switching your business to a competitor. These savings can be a great way to stay with the same auto insurance brand and save money in the process.
· Potential Savings: Up to 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
New Customer Discount
Cheap insurance can be easier to come by if you are a new customer as many brands provide discounts to newly enrolled clients as a welcoming incentive. Travelers Insurance is a popular choice in Pearland, Texas, that provides as much as 10% discounts to new clients. To maximize your savings, you should get a car insurance quote before your current policy expires because the farther in advance you purchase your new policy, the higher your savings will be.
· Potential Savings: 5% – 15%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Occupational Discount
In general, certain occupations have fewer accidents and make fewer costly claims than others. When calculating your insurance premium, insurance companies take into account a variety of factors, so these jobs can save you money on your insurance costs. Progressive and Safeco are two popular big brands that offer such savings to drivers in Texas.
· Potential Savings: 10% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Continuously Insured Discount
By staying insured, you avoid paying lapsed coverage penalties. Providing proof of insurance over the last six months will also allow you to receive great discounts from brands like Progressive.
· Potential Savings: 5% – 25%
· Major insurers offering this discount: Progressive and Travelers.
Good Student Discount
If you are a young driver or have a young driver in your household, you are going to be paying some steep car insurance premiums. There’s no way around it, younger drivers statistically are more likely to be involved in an accident and are, therefore, seen as a greater risk to insure. Students who maintain good grades of a “B” average or higher can receive as much as 20% off of their auto insurance costs, leading to serious savings. Progressive is a great choice for mitigating these large coverage costs and is popular with drivers in Pearland, TX, offering as much as 15% off. Other brands may deliver higher savings depending on a wide range of factors.
· Potential Savings: 5% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Resident Student Discount
Another helpful tool for young drivers is the resident student discount. You’ll have to be a minimum of 100 miles away at college from the insured vehicle to qualify, but for those who do, drives can receive up to 35% off of their premiums. Travelers is a popular option in Pearland, Texas.
· Potential Savings: 7% – 35%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Good Driver Discount
Practicing safe driving means that you are engaging in less risky driving maneuvers. Your auto insurance company will like that because you are less like to get into an automobile accident. Although the parameters surrounding the discount may vary, most carriers have some version of a good driver discount which provides drivers with lower rates if they have gone a certain amount of time without submitting a claim. Some insurance providers, such as Safeco, will even allow drivers to receive a discount if they have submitted a claim, so long as it hasn’t been within a certain period of time. For Safeco, this means a driver without any claims or moving violations in the last five years.
· Potential Savings: 10% – 30%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Usage-Based Discount
Today, auto insurance companies have a range of tools to help them better understand and track their customers’ driving habits including the use of devices and smartphone apps. If you are a driver with lower mileage and safer driving habits, you can receive savings for being a safer driver to insure. Here are a few examples of these programs:
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Allstate’s “Drivewise”, a telematics program.
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Travelers Insurance’s “Intellidrive”.
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“Snapshot” from Progressive helps drivers save an average of $145.
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Drivers can save as much as 30% when using Safeco’s “Righttrack” program.
· Potential Savings: Up to 30%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Mature Driver Discount
Drivers who are 55 years old or older may be able to save money with a mature driver discount. Some insurance companies require drivers receiving such savings to first complete a senior driving course in order to qualify.
· Potential Savings: 1% – 15%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Married Discount
Couples who have said “I do” in Pearland, Texas, can receive cheaper car insurance rates because married couples are less likely to get into an accident than single drivers. This is a factor that many auto insurance companies will look to when creating your rates and it is a great opportunity to save a sizable chunk of cash.
· Potential Savings: 10% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Homeowner Discount
Homeowners are viewed by car insurance companies as more financially stable than others and may receive discounts as a result. Travelers Insurance provides homeowners up to 5% in savings for their auto insurance policies, no matter who they hold a homeowners insurance policy with. Should you choose the same insurance brand, however, don’t forget, that you can bundle your coverage for even more savings!
· Potential Savings: 2% – 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
New Car Discount
Because newer models come with better technology, some insurance companies provide discounts for new cars. This is because car insurance companies love safety and the rise of technologically advanced safety features including backup cameras can help you drive better and avoid accidents. Travelers Insurance offers up to 10% off their auto insurance premium for vehicles that meet their criteria.
· Potential Savings: 5% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Safety Features Discount
You can keep yourself and your family safe and reduce your auto insurance costs by driving a vehicle with safety features such as stability control, anti-theft features, and anti-lock brakes. Discounts like this are a great way to keep the insurance costs of newer vehicles lower if you have a newer vehicle with more safety features.
· Potential Savings: 4% – 40%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Passive Restraints Discount
If your vehicle comes with restraints such as airbags or automatic seatbelts, many modern vehicles do, depending on your insurance provider, you can receive discounts for these safety features. Allstate’s discount is a popular choice in Pearland, Texas.
· Potential Savings: 2% – 40%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Anti-Theft System Discount
Car insurance in Pearland, TX, is high for many reasons, including the fact that Texas has a high level of vehicles stolen each year. More than 65,000 vehicles are stolen annually and auto insurance companies may provide you with discounts should your vehicle have anti-theft features such as car alarms, steering wheel locks, and/or LoJack.
· Potential Savings: 5% – 25%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Organizational Discount
An unlikely discount, some auto insurance companies in Pearland, TX, may offer discounts for you if you are in an auto club such as AAA, credit union, or a certain alumni group.
· Potential Savings: 2% – 20%
Driver Education Discount
Taking defensive driving courses or other safe driving courses that are approved by auto insurance companies can make you a better driver and lower your premiums. It is important to remember, however, that these discounts are fleeting and becoming rarer and rarer within the state of Texas.
· Potential Savings: 2% – 3%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
What Auto Insurance Coverage Is Required in Pearland, Texas?
All drivers in Pearland, TX, must carry a minimum amount of liability coverage, but there are many different perils that can cause harm to your vehicle and they may require additional coverage options. Knowing your risks can help you better assess what kind of protection best fits you as a driver.
When you enroll in auto insurance, you are creating a financial safety net that is going to be there for you when you need it the most. Enrolling in minimum coverage can help you save in the short term, but leave you paying more after an accident. The costs for repairing a car, receiving medical attention, and legal fees continue to rise.
We’ve been helping drivers in Pearland, Texas since 2005 find an appropriate amount of car insurance that keeps you protected with peace of mind that doesn’t make you pay more than you need to. Be sure to ask an agent about how you can customize your protection and get to know some of the most common types of auto insurance coverage available to drivers:
Liability Coverage
Remember, every driver in Texas is required to carry a minimum amount of liability coverage to stay legal while driving in the state. Here are the minimum coverages each motorist must have while driving:
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$30,000 coverage for damage per person.
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$60,000 for every encounter.
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$25,000 compensation for property damage.
Having the minimum amount of coverage is a great way to save money in the short term, but it could come back to haunt you. Low monthly insurance costs can easily turn into a nightmare after an accident or after suffering a loss where either more coverage is needed or a different type of coverage is needed. Considering the rise in costs for labor, materials, and medical expenses, we highly recommend that drivers assess their coverage needs thoroughly and purchase an adequate level of protection.
Collision Coverage
After most wrecks, at least two parties are left with damaged vehicles that are in need of some sort of repair. Liability coverage is in place to help restore the vehicle that isn’t at fault, so, if you are in a vehicle and cause a wreck and carry only minimum coverage, you’ll still have to figure out a way to restore your own car in the aftermath. Collision coverage will help you pay for repairs to your vehicle regardless of fault to get you back on track sooner. In Texas, drives can even receive coverage for damage from potholes. You will, however, need to pay a deductible in order to receive your reimbursement.
Comprehensive Coverage
Comprehensive car insurance protects your car against a variety of perils that can cause a loss to your vehicle that may occur outside of driving. This can mean damage from various types of weather, theft, and more. Drivers will need to pay a deductible, but this is a helpful coverage that can help restore expensive losses that can happen when you least expect it.
By combining liability, collision, and comprehensive coverages, drivers can receive “full coverage”. This is a great option for any driver who is looking for extra protection and savings at the same time due to multi-policy discounts.
Medical Payment Coverage
Again, it’s important to think of liability coverage in terms of working for the other party. If you are at fault in an accident and require medical assistance, your costs can rise very high very quickly. A medical payment coverage can help pay for the medical costs surrounding your or your passengers after an accident regardless of who is at fault.
Personal Injury Protection (PIP)
Texas allows PIP coverage which is a protection that can pay for you and your passengers’ medical expenses and even other expenses including lost wages.
Gap Insurance Coverage
Gap insurance protects you if your vehicle becomes totaled or stolen and you have yet to pay it off. Many drivers in Pearland, Texas, use car loans to purchase their vehicles, and because new vehicles depreciate a lot once they are purchased, having an accident soon after can cause financial hardships to pay for a vehicle that you can’t even use anymore. Your gap insurance policy helps you pay the remaining money owed and move forward with your life.
Uninsured Motorist Coverage
Not all drivers carry liability coverage and some drivers may even hit your vehicle and leave without rectifying the situation. Even responsible drivers may not have adequate coverage to restore your loss which leaves you in a financial bind. No matter which of these issues you are facing, uninsured motorist coverage can help you restore losses under such circumstances instead of paying for these losses out of your own pocket.
Towing and Labor Coverage
After an accident or a vehicle emergency, no driver wants to be stuck on the side of the road and forced to pay excessive towing and labor charges to get their vehicle to a repair shop. With towing and labor coverage, you can help cover these costs with an affordable policy that is there when you need it the most. Your policy can also provide various forms of roadside assistance should the time come. Roadside assistance can also help you in many different ways including helping replace a punctured tire, jumpstarting your battery, an emergency gas delivery, using a locksmith, etc.
Rental Reimbursement Coverage
Like anything else in life, renting a vehicle is a cost that keeps on rising. After your car is in an accident, you may need to rent a car for a period of time while yours is repaired. Your rental reimbursement coverage helps you mitigate these expenses and may even pay for taxi rides depending on your insurance provider.
Does Auto Insurance Follow the Driver or Vehicle in Pearland, TX?
If someone borrows your vehicle and gets in an accident, your auto insurance policy will be the one used to help restore losses if they are at fault. For example, if your friend is driving through the parking lot of the Pearland Town Center and ends up in a fender bender, your policy will kick in to restore such losses.
On the other hand, if you are without a vehicle and need to borrow a vehicle from a friend or a family member, you’ll want to be sure that you have a non-owner liability policy in place. This coverage will help you stay covered against bodily injury and property damage liability costs in the event that you are in an automobile accident.
Why Pearland, TX Auto Insurance Companies Deny Claims
There are certain actions that can cause an auto insurance company to deny your claim after you’ve been involved in an accident. It’s important to know what these actions are to help you avoid being stuck in an unfavorable predicament after a wreck, or even facing a lack of coverage because your insurance carrier decided to not renew your auto policy. Here are common things to avoid to make sure you stay in good standing with your coverage and why your claim can be denied:
Unpaid auto insurance premiums.
Submitting fraudulent claims.
You’re providing false information during the application process and/or committing insurance fraud.
Failing to provide the right documentation in time.
You are an excluded driver on the auto insurance policy.
Zip Codes in Pearland, TX We Serve
77047
77089
77581
77584
77588
Not seeing yours? We can still help you save money! Our agents help protect drivers no matter which zip code in Pearland, TX, they call home. We’re here to serve any and all drivers throughout the entire state of Texas to find the right coverage for the right price.
Auto Insurance Pearland, TX Drivers Can Count On
When it comes to auto insurance, Pearland drivers have plenty of options. But taking the time to shop through a variety of brands to find a trustworthy option that can deliver on customer service, protection, and the most savings can be time-consuming. This is where we come in.
At Freedom Insurance Group, we help drivers like you find the best car insurance options based on your needs. Our insurance center has more than 25 top-rated insurance brands in Texas that we have partnered with since 2005, to deliver the best options to our customers all at the lowest price. It’s how we save our clients an average of 40% on their auto insurance premiums.
No matter what your insurance needs are, the team at FIG is here, ready to help you stay protected. From classic car insurance to full coverage and even additional coverages such as gap insurance, we can help build you customized car insurance protection that protects your interests all while helping you spend less.
Our car insurance quotes are available through our online tool. You can receive your free, no-obligation auto insurance quote with only a few clicks, or feel free to contact one of our agents today!
Auto insurance in Pearland, TX, isn’t all we do. Freedom Insurance specializes in the following Texas Insurance Services:
