Car Insurance in Wichita Falls, TX [Cheap Rates + Best Coverage]

Not to be confused with Wichita, Kansas, the North Texas town of Wichita Falls is a treasure all its own. Named for the Wichita Indians and the low-water falls that existed there until 1886 when they were washed out by a flood.

In 1987, a replica of the original falls was constructed upstream.

On your car insurance search, you may find that the overwhelming choices can be paralyzing. In this guide, we’ll cover everything you need. Austin’s average auto insurance rates are $483.08/mo & $5,797/yr. Austin requires 30/60/25 of bodily injury and property damage coverage.

We also compare rates, companies, and more. Other topics of interest include driving laws and living statistics, which help you stay updated and ticket-free. If you need to compare, against car insurance rates in TX, check out our complete guide.

If you want to start comparison shopping today, you can enter your ZIP code in our free tool above.

Wichita Falls Average Car Insurance Rates

Looking for the best, most affordable coverage for you and your vehicle? Owning and maintaining a car is expensive, and understanding the factors that influence insurance costs can give you an upper hand.

Your car insurance search doesn’t have to be a time-consuming fiasco. We’ve compiled a comprehensive guide to save you time and money.

To bring you the most up-to-date data on rates, we’ve partnered with Quadrant to bring you the following info for Wichita Falls.

If you want to gain helpful info on car insurance in Wichita Falls, keep reading.

Do gender & age affect my car insurance in Wichita Falls?

Will your personal preferences influence your car insurance? Likely not. How about your age and gender?

Age and gender are some of the most controversial factors that insurers use to determine your rates. While certain states such as Pennsylvania, California, and Hawaii have banned gender-based rate-fixing on policies, Texas has yet to enact such a law.

DataUSA shows the average age in Wichita Falls is 32.8 years old, which is five years below the national average. With Wichita Falls being a younger city, residents can expect to pay a bit more on car insurance.

The table below shows rates by age in Wichita Falls.

While drivers age 60 and above pay the least of any age group, 17-year-old drivers pay the most (up to $4,400 more than other groups). And 32-year-olds in Wichita Falls can expect to pay about $2,500 on their auto policies.

Gender also factors into rates.

• The male average premium in Wichita Falls is $3,357.55
• The female average premium in Wichita Falls is $3,170.02

Conventional wisdom says that women pay more than men because people think they are poor drivers. However, studies show that men are actually more likely to drive in a risky manner. Men pay more for car insurance.

The table below shows the combined factors of age, gender, and marital status.

Marital status has some influence on insurance rates. The reason is that companies tend to view married individuals as more responsible. They are typically financially stable and less likely to drive in an unsafe manner.

The non-fixed factor of age allows drivers to gradually pay less for their policies. As drivers age, their rates will typically go down due to fewer accidents and more experience. The older you are, the less of a chance there is that you’ll file a claim.

What are the cheapest ZIP codes in Wichita Falls?

Have you moved around a lot in your life? If so, you’ve probably noticed how moving affected your insurance rates. Your new neighbors could pay more or less depending on the prevalence of natural disasters, crime, and crash statistics.

The table below shows the least expensive ZIP codes in the Wichita Falls area.

The ZIP code of 76305 has the highest rates, about $450 more than the least expensive ZIP of 76306.

Did you know that higher crime rates can increase your insurance premiums? According to HowStuffWorks.com, high rates of vandalism and theft can lead to more claims.

The ZIP code of 76305 has the highest rates due to high rates of vandalism and theft. Living in the aforementioned Wichita Falls ZIP code leaves one in 29 people susceptible to crime.

Property crime rates are 47.5 out of 100, which are higher than the national average.

What’s the best car insurance company in Wichita Falls?

Exploring car insurance companies is a big task, and in-depth research takes a significant amount of time. Imagine having a concise guide that requires only 15 minutes to read. To help you save time, we’ll focus on factors that influence rates, from your annual commute to personal driving history.

Cheapest Car Insurance Rates by Company

Most car insurance companies have different rates. See the table below for rates by age, gender, and company in Wichita Falls.

As you can see in the table above, the least expensive and second-least expensive companies are USAA and Geico. The highlight of this is married 60-year-old females pay the least on average across all companies. Even for the most expensive insurance, this group still pays around $2,000 less than other groups.

Best Car Insurance for Commute Rates

Our data shows that the average Texan drives on average about 15,533 miles per year. These miles can be attributed to commutes, recreational trips, and other activities that require a car.

Four of the seven insurers listed don’t increase your rates with a longer commute. The remaining insurers, which are Allstate, Geico, and USAA, can increase their rates by $50–$230. Remember that just because a company doesn’t raise its rates doesn’t mean it wasn’t more expensive to begin with.

We know that insurers use commute time when determining policy rates. It’s a good idea to choose an insurance company that aligns with your budget, and also the amount of time you spend on the road.

Best Car Insurance for Coverage Level Rates

Did you know that higher coverage levels offer you greater protection after an accident?

Your insurance coverage level is an important choice. So if you’re wondering how much high, medium, or low coverages will cost you, take a look at the table below.

If you’re seeking high coverage, State Farm and Geico have the cheapest rates. USAA, which isn’t available to everyone, has the lowest costs across coverage levels. If you want low coverage that’s more affordable, Geico or State Farm are your best bets.

Best Car Insurance for Credit History Rates

Insurance companies often use one’s credit history to adjust a potential customer’s insurance rates. A good credit score usually indicates that a client will be able to keep up with their insurance payments over time.

We gathered data on companies’ rates for poor, fair, and good credit scores in the table below.

For companies such as American Family, a drop from good to poor credit costs about $2,800. Drivers can expect poor credit scores to increase their rates steeply, but these higher rates also contribute to the problem.

The video above demonstrates the ways in which your credit score could, and likely will, affect your insurance rates.

Best Car Insurance for Driving Record Rates

Did you know that your first DUI can increase your rates by $500–$1,000?

Even one previous accident or speeding ticket can increase your car insurance rates. Check out the table below to see how your unique driving record may negatively influence what you pay each year.

As you can see, DUIs carry the greatest penalties for rate increases. With Allstate, going from a clean record to one DUI will raise your rates by $2,353.

Nationwide doesn’t charge more for one at-fault accident. Finding coverage that fits your accident history could save you thousands of dollars in the long term.

What are some car insurance factors in Wichita Falls?

We now know that factors such as credit score and accident history can affect your rates, but what else factors into your policy?

Outside factors, such as poverty rates, property value, and income can also influence the rates for where you live.

Why?

Often, the health of an economy or community can predict how many claims will be filed. Based on the prosperity of a city, companies can charge more or less. If you’re interested in how external factors in Wichita Falls may influence your rates, continue reading this section.

Wichita Falls Metro Report

In 2017, the Brookings Metro Report indicated growth in Wichita’s nearest metro area, Dallas-Fort Worth-Arlington. Although Wichita Falls is about 1/10 the size of Dallas, the two cities are close to one another.

The Dallas-Fort Worth-Arlington area was listed as 27th out of 100 on the growth index, meaning that the area is expanding at a healthy clip. They were also listed as “best performing” for percent change in the number of jobs.

Median Household Income in Wichita Falls

DataUSA provided data showing the average household income in 2017.

Wichita Falls residents earned an average of $44,285 per year, which is a 0.65 percent increase from 2016.

As we mentioned before, the average annual cost of car insurance is $3,357. Car insurance expenses account for 7.58 percent of the average Wichita Falls residents’ income, which isn’t bad.

You can use the calculator below to see what percentage of your individual income goes towards car insurance.

CalculatorPro

Homeownership in Wichita Falls

Renting and owning a home each has its perks. When it comes to getting a low rate on insurance, however, homeowners are at an advantage.

Insurers may lower rates for homeowners. The responsibility of keeping up with bills, housing payments, and home maintenance is usually accompanied by a good credit score and secure income. For this reason, homeowners are given the advantage of an old bias.

In Wichita Falls, homeowners make up 56.8 percent of householder dwellers. This percentage accounts for a majority but is still lower than the national average of 63.9 percent homeownership.

The average property value in Wichita Falls is $96,700, less than the Texas average of $151,500.

Education in Wichita Falls

There is one major university in Wichita Falls, Midwestern State University.

Midwestern State University is an independent public university located halfway between Oklahoma City and Dallas. The institution is the only one in Texas to become a member of the Council of Public Liberal Arts Colleges (COPLAC). In 2015, the university had over 6,000 students.

DataUSA provided that MSU awarded 1,304 degrees in 2017. This is the highest of any institution in Wichita Falls. Students can enjoy the nearby waterfalls and recreational areas.

The most popular degrees in Wichita Falls are radiography, registered nursing, and other multidisciplinary studies.

Wage by Race & Ethnicity for Common Jobs in Wichita Falls

The diverse workforce of Wichita Falls is an important part of the city’s economy. To understand the different factors that affect wages, we’ll examine the annual earnings of different races and ethnicities in Texas. Below is DataUSA’s information on wages for miscellaneous managers.

Asians are the highest paid in Texas, earning about 4 percent more than whites. However, both Asians and whites in Wichita Falls spend only about 3 percent of their income on car insurance.

Native Hawaiians and other Pacific Islanders spend the most, about 7 percent of their annual wages.

Wage by Gender for Common Jobs in Wichita Falls

Gender is perhaps the biggest contributor to the wage gap. Studies by DataUSA revealed that men in Texas earn 41 percent more than women.

In 2017, full-time male employees earned $64,953, while full-time female employees earned $45,959.

Below is a table with information on wages by gender for common jobs in Texas.

Across all listed professions, men earn significantly more than women. Due to having less expendable income, women must shell out a higher percentage of their income for car insurance. Men, on the other hand, will always pay a lower percentage.

Poverty by Age & Gender in Wichita Falls

For many people living at or below the poverty line, the car insurance search becomes much more complicated.

According to DataUSA, the largest demographic facing poverty in Wichita Falls are females 25–34 years old. The second-largest group facing poverty are females aged 18–24, followed by females under age 5.

Of Wichita Falls’ population of 89,400 people, about 18,700 (20.9 percent) are facing poverty. This statistic is much higher than the national average of 13.1 percent, which may indicate job loss and a weak economy.

Poverty by Race & Ethnicity in Wichita Falls

Men and women of any race or ethnicity may face poverty at some point. In Wichita Falls, unique demographics and a high poverty rate may affect people’s ability to gain decent insurance coverage.

Above, we see that the largest share of total residents facing poverty in Wichita Falls are whites, at 47.5 percent. The second-largest group facing poverty are Hispanics, at 23.6 percent. Native Americans are the smallest group facing poverty.

Employment by Occupations in Wichita Falls

Each city has its own diverse economy, and certain professionals populate some regions more than others.

According to DataUSA, the prevalence of jobs in the community and social service occupations is 1.54 times higher than in other regions. Working as a social worker, youth educator, or marriage and family therapist are some examples.

The breakdown of the most common jobs in Wichita Falls is listed below.

1. Office and administrative support – 5,695 people
2. Sales and related occupations – 4,871 people
3. Food preparation and serving-related occupations – 3,796 people

From 2016 to 2017, Wichita Falls’ employment rate increased by a fraction of a percent.
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Driving in Wichita Falls

Now that we’ve covered insurance rates, basic demographic information, and industries in Wichita Falls, it’s time to look at city driving. If you’re new to the area, this section of the guide can help you save time and money on your commute.

https://www.youtube.com/watch?v=cxvUve3_TMQ

To keep you safe and aware of traffic laws on Wichita Falls roadways, we have compiled this information all in one place. We’ll cover everything from daily congestion rates to details on public transportation. Keep reading.

What are the major roads in Wichita Falls?

The first topic we want to cover is Wichita Falls’ roads. From major highways to traffic cameras, this section will fill you in. Something we don’t think about every day, these factors can seriously influence your commute if you don’t pay attention.

Learn more about important laws to watch out for in the city of Wichita Falls.

Major Highways

The city of Wichita Falls is connected to large metro areas by major roadways. Of the 3,501 miles of roadway in Texas, residents of this area can expect to use at least some of the 25 active routes in Texas for regular commutes.

The only major active route in Wichita Falls is Interstate 44. The highway runs north to south, connecting Wichita Falls with many large cities such as Wichita, Kansas, Oklahoma City, Oklahoma, and St. Louis, Missouri, I-44 ends in Wichita Falls.

Other major roadways are:

• U.S.-287
• U.S.-70

Wichita Falls itself has no toll roads. If you plan on driving I-44 to Wichita, Kansas, however, you’ll have to pay the Kansas Turnpike Authority upon entering or exiting the state. Compare this to the many toll roads and bridges that exist in Texas.

The North Texas Tollway Authority controls the toll roads in North Texas, but any tag (TxTag, EZ Tag) can be used on Texas toll roads. According to the NTTA, “To open a TollTag account, there is an initial $40 payment for up to three TollTags. Accounts can be secured with a credit card, check or cash.”

If you’re a new resident or are interested in acquiring a TollTag, visit the North Texas Tollway Authority website.

Popular Road Trips/Sites

According to Wichita Falls Texas’ government site, the city itself has a rich history full of vibrant characters. Some of this residual history is still seen in the city today, making it a prime destination to visit.

• Prine’s BBQ – In the hundreds of miles between Fort Worth and Amarillo lies the barbeque oasis of Prine’s. Family-owned and operated since 1925, the shop was listed as “Most Underrated Texas BBQ” by Thrillist.
• Lake Arrowhead State Park – State parks your thing? Take a dip in Lake Arrowhead. The area has campsites, boating, fishing and more. Visit the Texas State Park website to reserve your campsite today.
• Maniac’s Mansion – Ready to get weird? Maniac’s Mansion combines two favorites: cereal and arcade games. Located in downtown Wichita Falls, you’ll be sure to enter a time warp you’ll never forget.
• Professional Wrestling Hall of Fame – Seeing your favorite wrestlers’ old leotards is one thing, but honoring the tradition of wrestling makes for a unique and educational experience.

These scenic and cultural sites will surely make your visit to Wichita Falls a memorable one.

Road Conditions

While some regions experience giant potholes, others may have infrastructure issues. How does Wichita Falls measure up in the grand scheme of road conditions?

Although Wichita Falls’ share of good, mediocre, and poor road conditions aren’t listed, information about road closures and conditions in the area can be found through the Texas Department of Transportation.

Does Wichita Falls use speeding or red-light cameras?

Red-light cameras are one way that authorities can detect breaches in traffic law. While some drivers believe red-light cameras violate their personal privacy laws, others argue that cities profit off of the new technology.

In 2019, Texas Governor Greg Abbott signed a bill that banned the use of red-light cameras in Texas. At this time, the state of Texas isn’t using any red-light cameras, with the exception of communities whose contracts aren’t up yet.

Just because red-light cameras won’t capture you running a red light doesn’t mean authorities won’t. It’s important to follow traffic laws to ensure the safety of yourself and others. Traffic laws exist for a reason, and you’ll face fines for forgoing them.

What type of vehicles are in Wichita Falls?

Which types of vehicles do Wichita Falls residents drive? In this section, we’ll preview statistics specific to vehicle type, vehicles per household, and the prevalence of automobile theft in the area.

Most Popular Vehicles Owned

According to YourMechanic.com, which vehicle is the most popular? In the Dallas area, most Texans opt for a Dodge Challenger. Amidst the hot and dusty highways, the Dodge Challenger has excellent gas mileage.

Whether you drive a fast whip or a practical vehicle, the most important thing is to drive defensively and follow road signs.

Cars Per Household

Each city has different access to transportation and unique economies that may or may not require residents to own a car.

DataUSA’s recent study revealed that residents in Wichita Falls have two cars on average.

There is 24.8 percent of households owning one vehicle, while another 17.3 percent of householders owned three cars. Only 2.75 percent of Wichita Falls households did not own a car, which we’ll address in the next section.

Households Without a Car

A few households in Wichita Falls don’t rely on their own vehicles to commute. Keep reading to learn about the number of households without a car in the city.

The data shows a 7 percent decrease in the percentage of households without a car. This indicates more people in Wichita Falls have become car owners, indicating possible job growth in the region.

Speed Traps in your Wichita Falls

Do you know if your city is a speed trap town?

While Wichita Falls may not join Olar, Seneca, or Society Hill on the 10 worst cities in Texas for speed traps, this doesn’t mean that your town is free of them.

You’re likely to find speed traps in school zones, busy roads, and highways.

Drive defensively, keep a safe distance from the cars around you, and obey speed limits. Even if other cars are driving fast, keep under the speed limit. Otherwise, you may face speeding ticket fines and higher rates from your insurer.

Vehicle Theft in Wichita Falls

Even though Wichita Falls is a relatively small city, vehicle theft still happens all the time.

The FBI found that in 2018, there were 238 incidents of vehicle theft in Wichita Falls. This is a relatively low number when considering vehicle theft in Dallas, where almost 10,000 vehicles were stolen in 2018.

Certain factors, such as the neighborhood you live in and the crime index of your city, can increase the likelihood of vehicle theft. According to Neighborhood Scout, the safest neighborhood in Wichita Falls is Armstrong Drive and McKinley Road.

The following neighborhoods are the safest areas in Wichita Falls:

• Armstrong Drive / McKinley Road
• Burkburnett Drive / Puckett Road
• Allendale
• Petrolia / Byers
• Old Iowa Park Road / Huntington Lane
• Seymour Highway / Barnett Road
• Kell Boulevard / Seymour Highway
• Lake Park Drive / Sheridan Road
• Burkburnett Drive / Missile Road
• Harding Street / Mesa Road

Per every 1,000 residents, Wichita Falls’ crime rate is 34.97. In terms of property crime, Wichita Falls experiences 8 percent more property crime than the Texas average. Cities usually have more crime due to the higher density of people.

As you can see in the video above, many of the crimes that have taken place in Wichita Falls are property crimes. While people do what they need to in order to get by, choosing a safer neighborhood may help protect you from crime.

All in all, Wichita Falls is safer than 11 percent of U.S. cities. While this may not seem like a promising statistic, the nearby metropolis of Dallas, Texas, only scores a four on the crime index.

How is traffic in Wichita Falls?

In this section, we’ll cover everything from traffic congestion to repair shops to ensure your time on the road is spent safely.

Traffic Congestion in Wichita Falls

Wichita Falls’ data isn’t on traffic scorecards like Inrix or TomTom, but this doesn’t mean you’ll never encounter traffic. You probably won’t be sitting in traffic for hours during the day, which is good news.

Transportation

People in Wichita Falls have an average commute time of 14 minutes, and most commuted solo. Below are the statistics for types of transportation in Wichita Falls.

Wichita Falls residents have a significantly short commute time than most U.S. drivers. Also, the high percentage of residents that walk to work (9.6 percent) may indicate that neighborhoods have tight-knit communities and local infrastructure.

Busiest Highways

The Texas A&M Transportation Institute did a detailed study on the top 100 most congested roadways in Texas. Although the Wichita Falls area does not interact with any of these routes, you may encounter congestion on the way to larger cities.

To save time, gas, and money, stay away from the congested roadways near Wichita Falls.

How safe are Wichita Falls streets & roads?

Now that we’ve covered safety and traffic congestion in Wichita Falls, it’s time to get a snapshot of road safety and fatalities.

We’ve included fatalities for significant factors (crash types, blood alcohol content of the driver, and types of vehicles involved) that increase the chances of an accident.

>Please keep in mind that these statistics are included to inform, not to scare you.

We hope that viewing these statistics in Wichita Falls will help you make good choices on the road.

Icy accidents account for many fatalities in the state of Texas. Although these weather conditions are unavoidable, there are certain measures that drivers can take in order to promote safer driving.

The table below reveals the total fatal crashes in Wichita County from 2014 to 2018, according to data provided by the National Highway Traffic Safety Administration.

The number of fatal crashes in Wichita County is low compared to Tarrant County (Fort Worth-Arlington), but still significant. The main causes of these crashes can be found in the table below.

The highest rate of fatalities in 2018 occurred with single-vehicle crashes, followed by roadway departures and high BAC. Next, we’ll look at NHTSA statistics for vehicle crashes by person type.

According to the data, passenger car occupant fatalities have increased in Wichita Falls. On the other hand, pedestrian fatalities have dropped significantly since the spike in 2014. Remember to exercise caution and share the road with pedal cyclists.

When driving, walking, or bicycling in the following roadways, use caution. NHTSA has found that these roads have the most fatalities in Texas.

In 2018, Texas was the state with the highest number of fatal crashes. Only California’s 3,259 fatal crashes came close. Logistically speaking, this makes sense. Texas and California are both large states that contain metropolises.

A high number of fatalities occur on arterial roads in Texas. An arterial road is simply a high-traffic road like a highway. A minor arterial road carries less traffic than an arterial road, and a collector arterial road takes local traffic to minor arterial and arterial roads.

Allstate America’s Best Drivers Report

The Allstate Report uses data from good driving apps and claims data to figure out hard-braking events and the average time between claims.

Wichita Falls is 140 miles from the metro area of Dallas-Fort Worth-Arlington, which is included in the Allstate America’s Best Drivers Report. A closer comparison to Wichita Falls, however, is probably Frisco, Texas. The cities are similar in population size.

In 2019, Frisco was 135th on America’s Best Drivers Report. Drivers had an average of 8.2 years between claims, which is much less time than the national average. Drivers in Wichita Falls may follow the same increase in trends.

Ridesharing

One of the perks of living in a city is that there are always rideshare options available. Here are the rideshare companies operating in Wichita Falls:

• Taxi – You can take a traditional taxi in Wichita Falls for a relatively low cost.
• Lyft – A ride from a Lyft driver will cost you a little less than a taxi.
• Uber – Uber is also available in Wichita Falls and the cost is roughly the same as a Lyft.
• Lyft Premier – For about $10 more per ride, you can get a luxury car from Lyft instead of a standard sedan.
• Uber Select – This is the luxury version of Uber. It will also cost you about $10 more than the standard car.

To get a rough estimate of prices from different rideshare programs, enter your planned route into RideGuru and they’ll break down your options.

E-star Repair Shops

Do you always have one or two dependable auto repair shops on hand? If not, you may want to take a look at Esurance’s E-star® repair shops. Esurance only gives their approval to the best shops, based on customer service and quality.

What is the weather like in Wichita Falls?

Wichita Falls is located in North Texas, bordering Oklahoma. Keep reading to learn more about the weather in this region.

The most extreme temperatures in Wichita Falls happen in July (96.9 degrees) and January (29.8 degrees). Aside from creating icy roadways or sweltering heat, these changes in weather may also contribute to natural disasters.

Wichita County has experienced 17 natural disasters, which is higher than the national average of 13. Of the 17 natural disasters, six were declared national emergencies by the president.

The causes of these natural disasters include:

• Fires – eight
• Storms – six
• Floods – five
• Tornados – five
• Hurricanes – three
• Wind – one

If natural disasters are a concern, comprehensive coverage might save you money in the long run.

Choosing car insurance coverage is tough enough without accounting for natural disasters. Various natural events such as floods, wind damage, and fires, are all protected under comprehensive coverage.

Hurricane Harvey hit Texas and Louisiana in August of 2017, with homes and lives devastated in the aftermath. The cyclone was the wettest tropical storm on record, leaving massive wind and water damage.

Is public transit available in Wichita Falls?

The Wichita Falls Transit System (Falls Ride) aims to provide safe and efficient public transportation with quality customer service to the Wichita Falls. Below are the fares by person type.

Falls Ride requires necessary identification (student, persons facing disability, etc.) for discounts.

Is parking easy in Wichita Falls?

If you’re visiting downtown Wichita Falls, you’ll find both coin-metered and smart kiosks that accept credit/debit cards.

Visiting the Wichita Falls Regional Airport? If so, parking in the terminal lot costs just $5 per day.

You may pay by credit/debit card at the pay station located at the exit gate. If you’re paying with cash, there is a pay station located within the terminal.

According to ChargeHub.com, Wichita Falls has two public charging station ports (Level 2 and Level 3). These ports don’t offer free charges, however.

If you own an RV, Wichita Bend RV Park is the right move for you. The beautiful park is located at 300 Central Freeway, and parking costs $17 per night. Each space has water and electrical hookups, but do not have sewer hookups.

How is the air quality in Wichita Falls?

Did you know that vehicles are one of the leading sources of pollutants? While certain states have strict laws limiting emissions, these laws don’t prevent all pollution. For this reason, cars still have a huge impact on the environment.

As it turns out, air pollution can wreak serious havoc on your health, too. Although Wichita Falls isn’t specifically identified by the EPA, the nearby city of Lubbock was surveyed. The table below displays the EPA Air Quality Index Report for Lubbock between 2017 and 2019.

Only two days had unhealthy air quality in 2018 and 2019. Outside of the city, air conditions are usually safer.

Military/Veterans

Wichita Falls is home to the Sheppard Air Force Base.

Sheppard Air Force Base is a United States Air Force base located five miles north of the central business district of Wichita Falls. The base is a significant hub of Air Education and Training Command.<

If you’re a part of the military community in Wichita Falls, keep reading for our breakdown of statistics that could save you money on your insurance.

In Wichita Falls, the most significant population of military personnel who live in the city are residents who served in the Second Gulf War (2001–). The second- and third-most common service periods are the Vietnam War and First Gulf War, respectively.

As of 2017, there were 2,823 veterans from the Second Gulf War, 2,336 Vietnam veterans and 1,286 veterans from the First Gulf War living in Reno. That’s a well-sized veteran population.

Texas is home to many military bases, including Sheppard AFB Base. The air force base accommodates over 60,000 Airmen and personnel from other military branches for military flight training.

Only three of Texas’ many bases are located a few hours from Wichita Falls.

• Sheppard AFB Base (Wichita Falls)
• Fort Sill Army Base (Lawton, Oklahoma)
• Naval Air Station Joint Reserve Base Fort Worth (Fort Worth, Texas)

Wondering if your insurer includes discount benefits? The table below displays companies that do offer these types of benefits.

USAA’s average rate is an impressive 57 percent below the state average, while State Farm is close, at 36 percent less.

USAA provides extremely affordable rates to its customers and is the largest military provider. USAA is only for military members and veterans, which is why you should take a look at other providers like State Farm to save money.

To see how cheap USAA is compared to other Texas providers, check out the table below.

USAA’s average rate is well below the Texas average but isn’t available to everyone. The second-cheapest option is The General. Prices vary from insurer to insurer, showing how important it is to shop around for auto insurance.

Unique City Laws

Every city has its quirks. Wichita Falls is no exception.

If you’re a new resident or have lived in the city for a while, here are some laws to be familiar with.

It’s illegal to park vehicles and boats on front yards. All vehicles and boats parked in front of a residence must be parked on paved surfaces. A violation of this ordinance could result in a fine up to $2,000.

Parking in the wrong direction is prohibited. You cannot park against traffic, even on residential, two-way streets. Even though your vehicle is at rest, parking in the wrong direction is hazardous to other motorists.

Texas has implemented a ban on device usage while driving. Below are the laws for specific use patterns.

• Texting ban – Applies to all drivers
• Handheld ban – Applies to drivers during the first six months of permit and school zones
• Cellphone use ban – Applies to all drivers under 18 (zero tolerance for any use of devices)

If you plan on sending a text message while on the road, pull over first. Law enforcement officers in Texas take driver safety seriously, so you’ll be arrested or fined for distracted driving.

You can build your tiny home in the state of Texas. Wichita County has its own burgeoning tiny home business, with significant advantages chalked up to a lighter electric bill.

In a recent article published on Texoma, a National Association of Home Builders survey found more than half of America would consider living in a home under 600 square feet.

Basically, you’ll need to comply with city zoning, and set up your tiny home in an approved place (such as a mobile park). Your tiny home must also pass safety regulations (properly hooked up to utilities such as gas and sewage).

Wichita Falls Car Insurance FAQs

Whether you’re a new resident, or simply need a refresher when it comes to state specifics, it’s always good to stay informed. We’ve compiled the most pressing questions about Wichita Falls.

#1 – If I move to Wichita Falls, how soon do I need to register my vehicle?

If you move to the state of Texas, you’ll need to register your vehicle within 30 days. If you don’t update your registration within this time frame, you’ll be charged a penalty.

Similarly, Texas is unique in that you can’t apply for a driver’s license at a Texas DMV. Instead, licenses are handled through the Texas Department of Public Safety. The deadline is 90 days after moving to the state.

#2 – What are the employment opportunities in Wichita Falls?

Wichita Falls’ economy is largely community-oriented, especially due to the high volume of community and education jobs. If you have experience in family systems management or education, this may be the city for you.

#3 – Is there an airport nearby?

Yes. The closest airport is the Wichita Falls Regional Airport, located five miles outside of Wichita Falls.

#4 – How hot does it get in the summer months?

Wichita Falls is very arid and hot, especially during the summer months. Temperatures reach the high 90s in the summer, with sunny days occurring 256 days out of the year.

If you’re a new resident, prepare to pay more for central air conditioning a few months out of the year.

#5 – What if I get into an auto accident?

Texas is an at-fault state, which means if you caused the accident, you’re responsible for the other driver’s medical bills and property damage bills. If it’s difficult to tell who caused the accident, the two insurance companies will assign costs depending on the level of fault.

For example, if you’re responsible for 60 percent of the accident damage, you’ll receive 60 percent of the bill.

This is the conclusion of our comprehensive car insurance guide to Wichita Falls, Texas. We hope you’ve enjoyed reading information regarding insurance rates, city demographics, and roadway laws and conditions.

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