The Woodlands is a city in Texas that has truly reinvented itself over the years. Once, it was a quaint, planned community 28 miles north of Houston. Now, it has attracted many corporations and new residents and become a local and cultural force all its own.
There is much to see for anyone who drives through The Woodlands. But to protect yourself and your vehicle, it is important to know about car insurance and driving conditions in the area. Our guide will give you the info you need to see the sights in style and in safety!
- The average cost of car insurance in The Woodlands is $1,572
- It is a very safe area to drive, with zero fatal car accidents from 2014-2018
Driving Conditions in The Woodlands
How Many Fatal Accidents Happen in The Woodlands
Statistically speaking, The Woodlands is one of the safest areas you can drive in Texas. Research from 2014-2018 shows that there were actually zero car accidents in this region.
How Are the Road Infrastructure and Bridges in The Woodlands
The overall infrastructure of The Woodlands is very good. The town was initially designed as a planned community many decades ago. Companies such as LJA Engineering have helped expand everything from the sewer systems and bridges to accommodate the steadily growing population of the town.
In The Woodlands, it is safe to say that the infrastructure is better than most of Texas. Recently, the American Society of Civil Engineers gave Texas a “C” on their 2021 report card. This shows that much of Texas has a long way to go in terms of infrastructure quality.
Minimum Car Insurance Requirements in The Woodlands
As you drive through The Woodlands, it’s important to know that the town has the same minimum car insurance requirements as the rest of Texas. Additionally, it’s important to know that Texas is considered a “fault” state. In the event of an accident, you can receive damages and sue drivers who are found to be at fault in a car accident.
Minimum car insurance requirements:
- $30,000 for injury/death to one person
- $60,000 for injury/death to more than one person
- $25,000 for property damage
Factors Allowed in The Woodlands Car Insurance Rates
When you look at your insurance bill each month, you probably have a basic question: “how did they figure out how much my car insurance should be?” The truth is that your insurance company uses many different factors to calculate precisely how much you need to pay from month to month.
Below, we have a list of the different factors that the insurance companies in The Woodlands can use when calculating your insurance premium.
- Education & occupation
- Marital status
- Credit score
Discounts for Car Insurance in The Woodlands
The longer you stare at your car insurance bill, the more you’ll find yourself asking another question: “is it possible for me to get a discount?”
Texas does not have any insurance discounts codified into law. But in The Woodlands, individual car insurance companies often offer discounts based on a variety of different factors. Below, we have an abbreviated list of things you may be able to do to receive a discount from your own insurance company.
- Good driver discounts
- Customer loyalty discounts
- Good student discounts
- Safety features and anti-theft systems
What Are the Penalties for Driving Without Insurance in The Woodlands
You should never drive without insurance in The Woodlands. At the same time, it’s still important to know what the penalties are for doing so.
Generally speaking, penalties in Texas for driving without insurance are pretty mild. But repeat offenders face bigger penalties.
The fine will be between $175 and $350 For the first offense. For the second one, the fine increases and may now range from $350 to $1000. Continued violations may result in your license being suspended and your car impounded.
While state penalties are mild, keep in mind that you will be legally liable for any damage that you cause while driving without insurance.
Get a Woodlands Car Insurance Quote Today!
To find out about car insurance in The Woodlands, you can get started with a quote online. Or, if you’d like to visit us in person, come swing by any of our convenient local offices near you. Otherwise, all you have to do is pick up your phone and call us at (800) 777-5620 for a quote!