Cheap Auto Insurance Quotes in Wylie, TX, for 2023

Car Insurance in Wylie, TX

The average auto insurance premium in Wylie is $261 per year, $9 less than average rates in Texas. This guide will help you find cheap auto insurance in Wylie, starting with the insurance companies you can get it from. Remember, always compare car insurance quotes before buying a policy.

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Cheap Car Insurance Texas

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Cheapest Car Insurance in Wylie, TX

In this table, you’ll find average car insurance quotes from a whole bunch of insurance companies in Wylie. Progressive comes out on top, but you could get your best rate from anywhere. Car insurance companies weigh different aspects of your driving record differently, so to find your affordable Wylie insurance, you’ll have to look around.

Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Wylie Car Insurance Rates by Driving and Accident History

You’ve probably heard that a car accident or violation on your driving record tends to raise your auto insurance rates. This holds true for insurance coverage in Wylie. Drivers with clean records pay much lower average rates than drivers with DUIs, speeding tickets, and at-fault accidents on their driving records^[1]. Violations usually expire after three years, sometimes five.

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DUI Car Insurance Texas

Wylie Car Insurance Rates by Credit Tier

How does your credit score impact your auto insurance rates? You can see from the table below that car insurance customers in Wylie can pay significantly extra per month on their car insurance policy if their credit isn’t the best^[2]. If you can’t raise your credit score easily, make sure to apply for any available discounts you might qualify for.

How to Get the Cheapest Car Insurance in Wylie

Wylie insurance premiums are high, and the market is full of options. The challenge for you is to find the insurance company that best fits your needs at a premium you can pay. To do that, you’ll have to get free quotes from as many insurance companies as you can until you find the right insurance policy at the lowest premium available.

This kind of comparison shopping is time-consuming, but Insurify makes it a lot easier. In just a few minutes, it’ll present you with a slate of car insurance quotes from top insurance companies. It’s a huge first step toward finding the best car insurance rates out there for you. Let Insurify guide your quest for affordable insurance coverage.

Frequently Asked Questions

Insurify Insights

How Wylie Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Wylie, Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Wylie drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Wylie

#192

City with the Most Speeding Tickets Rank in Texas

#140

City with the Most Moving Violations Rank in Texas

#206

City with the Most DUIs Rank in Texas

#303

City with the Most Suspended Licenses in Texas

• Accidents in Wylie

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Wylie drivers rank 74 in the number of car accidents per driver across all cities in Texas.

  • Rank within state: #74
  • Percent of drivers in Wylie with an accident: 9.4%
• DUI/DWIs in Wylie

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wylie drivers rank 206 in the number of DUI’s per driver across all cities in Texas.

  • Rank within state: #206
  • Percent of drivers in Wylie with a DUI: 0.8%
• Reckless Drivers in Wylie

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Wylie drivers rank 281 in the number of reckless driving offenses per driver.

  • Rank within state: #281
  • Percent of drivers in Wylie with a reckless driving offense: 0.4%
• Rude Drivers in Wylie

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Wylie drivers rank 289 in rude driving infractions.

  • Rank within state: #289
  • Percent of drivers in Wylie with a reckless driving violation: 0.4%
• Speeding in Wylie

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Wylie drivers rank 192 in the number of speeding infractions per driver.

  • Rank within state: #192
  • Percent of drivers in Wylie with a speeding ticket: 7.3%
• Safest Drivers in Wylie

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Wylie drivers rank 154 in clean driving records across all cities in Texas.

  • Rank within state: #154
  • Percent of drivers in Wylie with clean record: 81%
• Hybrid/Electric Vehicle Ownership in Wylie

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Wylie drivers rank 98 in hybrid and electric vehicle ownership across all cities in Texas.

  • Rank within state: #98
  • Percent of drivers in Wylie with a hybrid/electric vehicle: 0.91%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.