Wichita Falls is the county seat of Wichita County, and the 29th-most populous city in Texas. Sheppard Air Force Base five miles from the central business district, home to the Air Force’s largest technical training wing and the Euro-NATO Joint Jet Pilot Training (ENJJPT) program. Wichita Falls is about 15 miles south of the border with Oklahoma, 115 mi northwest of Fort Worth, and 140 miles southwest of Oklahoma City. Wichita Falls is the western terminus for Interstate 44, there are a number of U.S. Highways leading to or through Wichita Falls. Wichita Falls has one of the largest freeway mileages for a city of its size, The cost of living in Wichita Falls is 10% lower than the Texas average, and 19% lower than the national average. The overall crime rate in Wichita Falls is 41% higher than the national average. Crime rates and cost of living influence the cost of insurance premiums. This makes it very important to explore all the options for cheap car insurance Wichita Falls can offer.
Wichita Falls Insurance Requirements
Remember that carrying the minimum coverage required by law may not be enough to cover you personally. Make sure your policy will cover all of your assets, even if you are in an accident with an uninsured driver.
- Bodily Injury coverage requirements are a minimum of $30,000 per person and $60,000 per accident.
- Property damage liability minimum requirements are $25,000.
- Uninsured Motorist coverage is not required, but insurance company’s are required to offer it, and explain the coverage to consumers. According to Texas’ DMV, an estimated 20% of drivers in the state are uninsured, resulting in costs of up to $900 million for consumers.
- The law in Texas requires drivers to pay for accidents that they cause. Fault is ultimately determined by the state, using evidence and testimony gathered at the scene of the accident.
Public Transportation In Wichita Falls
The Wichita Falls Transit System, Falls Ride, provides public transportation for the City of Wichita Falls and its residents. Greyhound Lines provides intercity bus service to other locations served by Greyhound. The number of people who take public transportation in Wichita Falls is 86% lower than the national average, and the number of people who carpool to work in Wichita Falls is 14% lower than the national average. The average travel time to work in Wichita Falls is 45% lower than the national average, which may be part of the reason few people use public transportation or carpool. However, both alternate transportation methods are very effective for lowering you yearly mileage, and qualifying you for a good discount on your car insurance.