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Drivers in Texas pay much higher auto insurance premiums than in the rest of the United States. Compared to the national average of $1,449 per year, Texans spend over $1,900 each year on auto insurance premiums. But the price of auto insurance in The Woodlands, TX, is affected by many different factors that can change from city to city.
In The Woodlands, Texas, you can compare car insurance based on a number of factors that can affect your premium. Individual factors surrounding you and your vehicle will also play a part in determining how much you’ll pay, however, by understanding your city’s average, you can learn more about how much you can expect to pay for your car insurance policy.
You can also gain cheap car insurance coverage by enjoying one of the many discounts available to drivers in The Woodlands, TX. When you compare car insurance companies and understand your coverage options, you can locate the exact protection you need all for the best price on the market. At Freedom Insurance Group, we believe an informed driver is an empowered one. Learn more about your options and how to save money on your auto insurance policy.
How Much Is Car Insurance in the Woodlands, Texas, Per Month?
The amount you pay for auto insurance in The Woodlands, Texas, will depend on plenty of factors. Here are some of the average monthly rates you can expect to pay based on your personal factors in The Woodlands, TX:
Average Monthly Auto Insurance by Age:
Average Monthly Auto Insurance by Vehicle:
Average Monthly Auto Insurance by Carrier:
Average Monthly Auto Insurance by Housing Status:
Average Monthly Auto Insurance by Relationship Status:
Average Monthly Auto Insurance by Driving Record:
See How Much Home Insurance Costs in The Woodlands Texas HERE
Why Is The Woodlands, Texas Auto Insurance So Expensive?
It’s no secret, that auto insurance rates are on the rise. This is a universal feeling because it is a universal issue. There are many reasons for this including everything from the demographics across Texas, inflation, and more. Explore some of the key reasons car insurance rates are trending upwards:
Texas Has High Population Density
Texas is the second most populated state in the United States after California. The vast majority of people live in metropolises located close to one another. The urban public in the United States comprises 80% of the population, while the urban public in Texas makes up 84% of the population. The Woodlands area saw growth in population that generously grew the number of people that live within the city, resulting in more traffic.
Drivers within a metro area are going to pay more in car insurance premiums than their rural counterparts. There is more risk with driving in a large city as there are more drivers, increased traffic, and a greater rate of theft/vandalism.
An Increase In Accidents
Texas continues to lead the nation in the number of fatal car accidents that occur each year. Accidents mean that auto insurance companies will have to pay more for claims and these risks will mean that you’ll pay more for your coverage.
Texas Speed Limits
Everything is bigger in Texas including our speed limits. All it takes is a trip on I-45 to Lake Conroe to see why Texas is the state with the fastest average allowable speed of 75 MPH. The Lone Star State is also the fastest state in the U.S. featuring a maximum speed limit of 85 MPH. There are more cars on the road as well as higher speeds leading to higher risks for insurance companies and increased costs for drivers.
Uninsured Motorists
It’s illegal to drive in Texas without liability coverage, yet as many as 15% of all Texan drivers do so every day. These uninsured drivers are not only putting themselves at risk but increasing the premiums of drivers with insurance due to the risk of having to file an uninsured driver claim.
Long Travel Times
The more you drive, the more likely it is that you may be involved in an accident. The Conroe-The Woodlands-Houston metro area alone can take hours to cross depending on where your destination is and spending time in all of that traffic means spending more on auto insurance premiums. Drivers in The Woodlands, TX, spend more than 27 minutes on their average commute.
General Driving Trends in Texas
A large part of the increased speed limits throughout Texas revolves around the number of distance drivers need to cover in a short amount of time. Driving more miles can mean paying more for coverage due to the increased threat of being in an automobile accident, and considering Texas is the second-largest state by landmass, it’s no wonder that this factor helps auto insurance premiums spring upwards.
Texas Has Higher Minimum Requirements Than Other States
As the cost of labor, parts, and medical expenses continue to rise, Texas continues to use its laws to help drivers who have received a loss to have a way to restore it through auto insurance. This is why every motorist must not only carry liability coverage but hold a minimum amount of protection. In the state of Texas, this means at least $30,000 coverage for injuries per individual, $60,000 for injuries per accident, and $25,000 of coverage for property damage.
Natural Disasters
Hurricane Harvey may have sent auto insurance rates flying up 8%, but other natural disasters continue to keep them rising. There are wildfires, hailstorms, tornadoes, and increasing flooding that all contribute to higher rates.
Personal Factors
There are also many personal factors that will affect how much you spend on auto insurance in The Woodlands, TX:
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Your age.
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Where you live and drive.
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Your driving record.
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Your claims history.
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The type of vehicle you need to insure.
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The coverage options you need.
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Your deductible.
Overall, drivers who pose more of a risk that is based on their personal factors can expect to pay more whereas drivers who possess less risk will likely pay less.
Car Insurance Discounts in The Woodlands, TX
If you’re looking for cheap car insurance, then it’s important to know about the right discounts that help keep your policy lower. Here are some of the most common auto insurance discounts available to drivers in The Woodlands, TX:
Bundling Discount
Combining your homeowners or renters insurance policy with an auto insurance policy can provide you with serious savings. The same is true for drivers who take advantage of multi-policy discounts that combine the coverage of more than one vehicle. Brands such as Progressive provide their clients with an average of 12% in savings for insuring multiple vehicles and 5% when purchasing more than one policy.
· Potential Savings: 1% – 17%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Billing Discount
Using electronic billing and automatic payment setup can mean paying less for auto insurance. You can even receive a substantial discount for paying everything all at once. Brands save on overhead this way and pass some of their savings to drivers. Allstate is a great example as the auto insurance company offers large discounts for those who enroll and pay via automatic deduction from their bank account. Every auto insurance company in Texas will have its own version of this discount.
· Potential Savings: 2% – 25%
· Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.
Customer Loyalty Discount
It’s important to review your policy annually, but customer loyalty can bring its own form of savings. Many major auto insurance companies provide discounts to long-term customers.
· Potential savings: 2% – 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Customer Retention Discount
Some insurance companies will give you a discount as a last-ditch effort to keep you from switching to a competitor. In some cases, this can be a great opportunity for drivers to receive notable savings that may make switching providers a non-issue.
· Potential Savings: Up to 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
New Customer Discount
As an incentive for switching your auto insurance, many brands available to drivers in The Woodlands, Texas, will provide savings to those who are new customers. Travelers Insurance is a prime example, offering as much as 10% for qualified drivers who switch, depending on how far in advance you purchase your policy. To get the most out of this discount, drivers are advised to get a car insurance quote before their current policy is set to expire.
· Potential Savings: 5% – 15%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Continuously Insured Discount
Maintaining auto insurance coverage can help you save in multiple ways including through discounts, such as with auto insurance companies like Progressive, and you avoid paying any penalties involved with a lapse in coverage. Provide proof that you’ve had car insurance for the last six months and you may enjoy even more savings.
· Potential Savings: 5% – 25%
· Major insurers offering this discount: Progressive and Travelers.
Good Student Discount
It costs much more to insure young drivers than any other demographic. Students who enjoy good grades, usually maintaining grades reflecting a “B” or higher, can often find savings of up to 20% through the good student discount. Progressive is a popular brand that provides as much as 15% for good students who are in need of car insurance.
· Potential Savings: 5% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Resident Student Discount
Another discount that can help young drivers applies to insured students who are away from school at least 100 miles away from the insured vehicle. Long-distance students can receive as much as a 35% discount, Travelers being a popular option, through resident student discounts.
· Potential Savings: 7% – 35%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Good Driver Discount
Being a good driver can really pay off. Motorists with a clean driving record and no car insurance claim history can save money. The qualifications for such discounts will vary from carrier to carrier as some may even apply the discount even with claims on your history, so long as they haven’t been submitted within a certain period of time. Safeco is a great example, offering clients who don’t have a claim or moving violation in five years such discounts.
· Potential Savings: 10% – 30%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Usage-Based Discount
Many insurance agencies offer devices that can track your driving habits through either a device that is connected to your car or an app on your smartphone. Safe driving habits and low usage can provide users with substantial savings. Examples include Progressive’s “Snapshot” program which offers an average of $145 in savings, Safeco’s “Righttrack” program which can save customers up to 30%, as well as Travelers’s “Intellidrive” and Allstate’s telematics program known as “Drivewise”.
· Potential Savings: Up to 30%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Mature Driver Discount
In Texas, many mature drivers can qualify for some sort of discount based on their age. Note: some companies do require a senior driving course to be taken as a requirement.
· Potential Savings: 1% – 15%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Occupational Discount
Insurance companies take everything into consideration when building your premium including what you do for a living. Because certain professions make less expensive claims on average, there are opportunities to lower your bill based on your occupation. Safeco and Progressive are prime examples of companies that offer such savings in Texas.
· Potential Savings: 10% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Married Discount
Single people are more likely to be involved in wrecks and pay higher premiums as a result. If you are married, you’re more likely to get a lower auto insurance rate.
· Potential Savings: 10% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Homeowner Discount
Homeowners are seen as more financially stable and less of a risk by insurance companies. Being a homeowner can translate into savings and can bring even more savings through bundling, though your discount may not require you to bundle to receive a cheaper rate. Travelers, for example, provides drivers with up to 5% in savings to homeowners even if they have a policy with another brand.
· Potential Savings: 2% – 10%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Safety Features Discount
Anti-lock brakes and stability control can help save your life. Such features can also help save you money on your auto insurance premium.
· Potential Savings: 4% – 40%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Passive Restraints Discount
Older vehicles didn’t have nearly as many safety features including basics such as airbags or automatic seatbelts. If your vehicle does have such restraints, you can save money on your car insurance.
· Potential Savings: 2% – 40%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Anti-Theft System Discount
More than 65,000 vehicles are stolen annually in the state of Texas, which is part of the reason car insurance in The Woodlands, TX, is as high as it is. Auto insurance companies will provide discounts for anti-theft features including steering wheel locks, car alarms, and LoJack.
· Potential Savings: 5% – 25%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
New Car Discount
Newer cars are thought to automatically raise insurance premiums, but that isn’t always the case. As technology provides more and more safety features, some insurers provide discounts for driving a new car as it can help you stay safer on the road. Travelers Insurance helps drivers in this regard by providing as much as 10% off auto insurance for newer vehicle models that apply.
· Potential Savings: 5% – 20%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
Organizational Discount
If you are in a particular alumni group, credit union, or auto club such as AAA, you may be able to save based on your ties to these organizations. This is a rare discount with most insurance companies not offering it in Texas.
· Potential Savings: 2% – 20%
Driver Education Discount
Taking a defensive driving class or any other approved safe driver course can provide cheaper insurance rates through discounts, however, it is becoming a rarity among insurance providers in Texas.
· Potential Savings: 2% – 3%
· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
What Auto Insurance Coverage Do I Need?
Auto insurance in The Woodlands, Texas, comes in many shapes and forms. You’ll want to make sure that you are prepared for the different risks you may face, but without overpaying for coverage you might not need. The best way to do this is to assess your risks with auto insurance agents in The Woodlands, TX, to build a custom approach to your needs.
We’ve proudly been helping drivers in The Woodlands, Texas, since 2005, and can provide you with the right level of protection without breaking the bank. Get to know your coverage options and don’t hesitate to ask an agent of ours about which coverages best fit your needs:
Liability Coverage
As we’ve mentioned, every driver is going to need liability coverage to stay legal in the state of Texas, and those minimum limits are as follows:
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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.
Higher policy limits mean better protection and with the rising costs of medical expenses, labor, and materials, maintaining minimum coverage only could leave you lacking in the aftermath of an accident.
Collision Coverage
Liability coverage pays for another party’s vehicle if damaged, but collision coverage is there to help restore losses that occur to your vehicle after a wreck, regardless of fault. Collision coverage will also help pay for pothole damage in the state of Texas. Deductibles do apply.
Comprehensive Coverage
There are many different perils that can harm your vehicle outside of the realm of driving. Some examples include theft, damage from hail, etc. Your comprehensive coverage will help restore such losses, though deductibles do apply.
It’s also important to note that by combining liability, collision, and comprehensive coverages, you can receive what is known as a full coverage auto insurance policy for a wider range of protection.
Medical Payment Coverage
Coverage there to help you mitigate medical expenses for you and your passengers if you are injured in a car accident. Medical payment coverage will cover these costs even if you are at fault.
Personal Injury Protection (PIP)
PIP is available in Texas and provides coverage for you and your passengers to cover medical expenses, however, it also provides coverage for non-medical expenses and lost wages.
Uninsured Motorist Coverage
Getting into an accident with a driver who does not have insurance or enough coverage to cover the necessary expenses can leave you having to pick up the pieces alone. Fortunately, with uninsured motorist coverage, you’ll have the right financial safety net in place to help you restore your losses. This will also protect you in the event of a hit-and-run.
Towing and Labor Coverage
While towing and labor coverage is completely optional, it can be a lifesaver. The last thing you’ll want to do is shell out hundreds of dollars to tow your vehicle knowing you’ll have to pay much more at the repair shop or be in a bind because you need roadside assistance. Your coverage can help you limit such costs and even help you with other expensive/inconvenient issues that may arise including delivering gas/oil, unlocking your vehicle, jumping your battery, paying to replace to punctured tire, and much more.
Rental Reimbursement Coverage
If your vehicle is in need of repair after an accident, your rental reimbursement coverage will help you pay for the cost of a rental while your vehicle is in the shop. Depending on your insurance company, you may even be reimbursed for expenses when using a taxi.
Does Auto Insurance Follow the Driver?
When there is an accident, the car owner’s auto insurance policy will be used to cover damages. This means if someone borrows your vehicle to shop at Market Street and causes an accident, your policy will be the one used to restore the losses.
If you don’t own a vehicle and borrow one, a non-owner liability policy is the best to keep you protected. It will help you pay for any injuries and/or damages you might cause to others when driving a borrowed vehicle. So, whether you borrow the car from the repair shop, the liability insurance will cover the car damages and even pay for the medical expenses of people hit in the accident.
Why Do Car Insurance Companies Deny Claims in The Woodlands, TX?
Just because you submit a car insurance claim, doesn’t mean that your insurance company won’t deny your claim or even reject renewing you as a customer. Here are some of the most common reasons for doing so:
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Failure to pay your premiums.
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You have submitted a fraudulent claim.
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Providing false information during the application process and/or insurance fraud.
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Failing to provide documentation on time.
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You are listed as an excluded driver.
Zip Codes in The Woodlands, TX That We Insure
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77354
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77375
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77380
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77381
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77382
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77384
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77385
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77387
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77389
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77393
If you don’t see your zip code listed, don’t worry. We serve drivers throughout all of Texas and are ready to serve you for all of your auto insurance needs.
The Woodlands Insurance Company You Can Trust
Choosing the right car insurance in The Woodlands, TX, is an important part of protecting your finances. But it’s one thing to have insurance and another to have peace of mind knowing that you are holding an appropriate level of protection all without overpaying for coverage you don’t need.
At Freedom Insurance Group, we take the time to understand our clients and their needs. This allows our team to provide a customized approach to protection. Through our partnerships with more than 25 top-rated insurance providers in our insurance center, we can pinpoint the best coverage options for your needs all at the lowest cost on the market.
Our auto insurance agents in The Woodlands, Texas, are equipped to provide you with the best protection bundled with exceptional customer service. Auto insurance in The Woodlands, TX, doesn’t have to break the bank to provide excellent protection. Contact us today, or use our online tool for a free auto insurance quote that can provide you with an accurate quote with only a few clicks of a button.
Freedom Insurance specializes in the following Texas Insurance Services:
