Higgins Car Insurance Resources

Higgins, TX Car Insurance

Cars Insured in Higgins

^ There are an estimated 264 vehicles currently insured in Higgins. ^[1]

Car Insurance Rates in Higgins

^ From 2006 to 2010, Texas cities had the 15th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Higgins

^ There are an estimated 36 uninsured motorists driving in Higgins. ^[3]

Higgins Car Insurance

Car Insurance Liability Requirements in Higgins

Minimum Liability Limits in Higgins: 30/60/25 ^[4]
- 30 Required coverage up to $30,000 for one individual injured in an accident
- 60 Required coverage up to $60,000 for all persons injured in an accident
- 25 Required coverage up to $25,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Higgins

Higgins Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage

Car Insurance Verification Laws in Higgins

Insurer Verification of Auto Insurance in Higgins ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Higgins Car Insurance Facts, Estimates & Related Laws

Higgins Car Insurance Stats

Number of Auto Insurance Policies in Higgins
- Based on historical and current data, 264 cars are currently insured in Higgins. ^[5]
- Texas cities collectively ranked 2nd in the nation in auto insurance policies in 2011 with a total of 16,714,340. ^[1]
Uninsured Motorist Rate in Higgins
- Based on historical and current data, Higgins has an estimated 36 uninsured drivers. ^[6]
- Texas cities collectively had the 19th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Higgins
- Texas cities collectively had the 14th highest auto insurance rates in the nation in 2010. ^[2]

Higgins Distracted Driving Laws

Hand-held phone ban? Yes

hand-held phone ban in place for drivers in school crossing zones and on public school property during the time the reduced speed limit applies. ^[7]

Texting-while-driving ban? Yes

Texting-while-driving ban in place for bus drivers with minor passengers, drivers younger than 18, and drivers in school crossing zones and on public school property during the time the reduced speed limit applies. ^[7]

Young drivers cell phone ban? Yes

Ban applies to drivers younger than 18. ^[7]

Bus driver cell phone ban? Yes

Ban applies to bus drivers with minor passengers. ^[7]

Enforcement of laws:

Primary enforcement in effect. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Higgins Automotive Laws

Minimum Driving Age in Higgins ^[9]
- Higgins, TX minimum driving age: 15 years.
Driver's License Renewal Cycle in Higgins
- Renewal cycle: 6 years ^[7]
Motorcycle Helmet Laws in Higgins
- Motorcycle helmets required for 20 and younger. ^[7]
- Texas exempts riders 21 or older if they can either show proof of successfully completing a motorcycle operator training and safety course or can show proof of having a medical insurance policy. ^[7]
Safety Belt Laws in Higgins
- Safety belt laws have been in place since 1985 and apply to drivers/passengers 7 years and younger who are 57 inches or taller; 8+ years in all seats. ^[7]
- Child restraint law in place for 7 years and younger and less than 57 inches. ^[7]

Texas Car & Driver Facts

Texas Auto Registrations

Auto Registrations in TX ^[8]
- Registered Cars: 8,964,823
- Registered Trucks: 10,156,094
- Registered Motorcycles: 442,483
- Total Registrations: 19,617,055
- Rank: Texas ranked 2nd in the United States in total auto registrations in 2011.

Texas Automotive Facts

Speed Limits in TX
- Rural interstates: 75 mph (80 mph or 85 mph on specified segments of road) ^[7]
- Urban interstates: 75 mph ^[7]
- Other roads: 75 mph ^[7]
Texas Motor Fuel Consumption
- Texas cities collectively ranked 2nd in the nation in total motor fuel consumption in 2011. ^[10]

Texas Licensed Drivers

Licensed Drivers in TX ^[11]
- Female Drivers: 7,632,187
- Male Drivers: 7,490,331
- Total Drivers: 15,122,518
- Rank: 2nd highest in the U.S.

Additional information about Higgins, TX

About Higgins

Higgins (Texas) is a city with a population of 397 ^[12] that is located in Lipscomb County.

More about Higgins auto insurance

For more information about Higgins car insurance, or for additional resources regarding Texas car insurance overall, visit the Texas Department of Insurance.

Did you know?

Novice drivers are prohibited from the use of all cell phones in 37 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)