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Home » Auto Insurance » Katy Auto Insurance

Katy Car Insurance

Katy, Texas, is known for its excellent schools, beautiful communities, and abundant green spaces for parks and recreation. With such a high quality of life for its residents, it is not surprising that new residents have flocked to the Katy area in masses over the years. According to census.gov data, the population of Katy increased by 55% from 2010 to 2020. During this same time period, the number of vehicular accidents reported by txdot.gov has risen by 96%. Being cautious on the roads is more important than ever, and being sure you are adequately protected should you be involved in an accident is just as crucial. Katy car insurance is not only a legal requirement but an ethical and monetary necessity to protect yourself, other drivers, passengers, and pedestrians alike.

In Texas, by law, you must have at least $30,000 in liability coverage for each injured person, $60,000 per accident, and $25,000 for property damage per accident. This minimum coverage is called 30/60/25. However, with the average cost of a vehicle increasing year after year, a minimum limit auto insurance policy is hardly sufficient to cover you in a severe accident. Less than 0.20% of auto policies that we write in Texas are state minimum liability only. For this reason, we will focus on full coverage car insurance policies in this article unless otherwise stated. Full coverage auto insurance includes liability insurance plus both collision and comprehensive coverage.

How Much Is Car Insurance in Katy, TX?

The average cost for full coverage auto insurance in Katy is $1,127 among TGS Insurance Agency customers. Auto insurance rates can vary significantly due to several particulars, based on you, your vehicle, your location, and the coverages you choose, among many other things. Below is an example of some of the factors that influence your premium and how they do so.

FactorImpact Examples
Your AgeYoung drivers will pay more for car insurance since they are considered less experience. Around age 25, rates will start to decrease until you hit the age of 65, which is when rates will typically start to increase again.
Vehicle Use (Yearly Mileage)The more you drive your vehicle, the more roadway risks you are exposed to and the higher your premium will be.
Your Driving RecordThe cleaner your driving record is, the better your insurance rates will be.
Your CreditDrivers with better credit tend to see better insurance rates.
Your VehicleVehicles with higher safety ratings typically see better rates while vehicles that are statistically more likely to be stolen may see.

How Does Location Affect Car Insurance Rates in Katy?

Like homeowners insurance, your location is a significant facet in calculating your auto insurance rates in Katy. For example, if you live in an area with a higher population density, insurers see you as having a higher risk of getting in an accident since there are more cars on the road; consequently, you will see a higher premium than someone living in a less populated area. Insurance companies will also look at the number of uninsured motorists in your area- the higher that number is, the higher your premium will be. If you are looking for ways to reduce your premium, park your car in a garage or covered area versus the street. These are just a few examples of how your location plays into your car insurance premium. Below are the average annual premiums for zip codes in the Katy area for reference.

Zip CodeAverage Annual Premium
77449$1,125
77450$1,115
77493$1,169
77494$1,120

Compare Katy Car Insurance Quotes with TGS Insurance Agency

There are many options available when it comes to Katy car insurance coverage. The best way to purchase the right auto insurance policy for your needs is to talk to an experienced insurance agent. TGS Insurance Agency now makes it easier than ever to insure your vehicle with a totally free, instant car insurance quote. (With zero hassle!) If you prefer to talk to someone from the start, TGS Insurance is always here for you- feel free to contact us at your earliest convenience!

 

Disclaimer

Every driver is unique. Insurance premium costs are impacted by several factors; therefore, we recommend obtaining an individualized quote to find your rates.

Our data is representative of quality, publicly sourced, and internal data, but should not be deciphered as bindable.

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Katy Auto Insurance FAQs

Does my Auto Insurance Follow the Car or the Driver in Katy?

A standard auto insurance policy follows the car, not the driver.

Is Texas a No-Fault State for Car Accidents?

No, Texas is not a no-fault state; Texas is an at-fault state. In short, This means that the person responsible for the accident is also responsible for paying for damages. Further, if the responsible party doesn’t have sufficient coverage to cover your expenses, you may also be able to sue the at-fault driver to recover the difference. 

This is yet another reason making sure that you have sufficient coverage is crucial!

How Much is it to Register a Car in Katy?

The standard fee for cars and lighter pickup trucks (6,000 lbs or less) is a base registration fee of $50.75. Additional fees include a $10.00 local fee, a $7.50 inspection fee, and a $4.75 processing and handling fee. All in, it costs $73 to register your car/pickup truck (less than 6,000 lbs). For additional vehicles, check out the Texas Department of Motor Vehicles website.