Freeport, NY Car Insurance

The average cost for car insurance in Freeport is about $59 a month. Read our guide below to learn more about your specific rates.
How does Freeport compare to the surrounding area and the rest of Texas? What rates can residents of Freeport expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Freeport?

Area Average Monthly Car Insurance Premium
Freeport$59
TX$65
United States$81

Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Freeport than it is in the rest of Texas.

Compared to the national average cost of auto insurance coverage, Freeport has lower rates. The average monthly payment in Freeport is about $22 less than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Freeport, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rates for Freeport residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$104
25-34$53
35-44$54
45-54$50
55-64$42
65+$50

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Freeport.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$60

Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Freeport is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$56
Multiple Accidents$56
1 Ticket$53
Multiple Tickets$88

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Freeport with a single accident will pay around $56 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $53.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$47
2-3 Years$52
4-5 Years$64
6-7 Years$52
8-10 Years$70
11-14 Years$66
15 Years or Older$51

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Freeport, with drivers paying around $51 per month for insurance.

Truck and van drivers will see rates of about $52, while the rates for car owners average out to about $67 per month.

You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Freeport are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$65
Married$50
Divorced$48
Widowed$38

More often than not, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Freeport reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$60
Live with parents$87

Another factor taken into consideration is your housing status. Drivers who own property in Freeport can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Freeport, TX

Recent trends in car insurance for Freeport drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

In Freeport, the rates for car insurance had been decreasing from 2017-2019, but began to increase from 2020-2021, when they reached a high of $69. Car insurance rates finished down in 2022, at $38 a month.

How does Freeport compare to neighboring areas?

Why are car insurance rates in Freeport different from other areas?

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. Many factors affecting your policy are based around where you park your car. These factors include things like:

  • Road Safety (frequency of car accidents)
  • Prevalence of crime
  • Off-street parking access
  • Community laws
  • Amount of drivers

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Freeport?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Freeport.

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Freeport Insurance FAQs

What factors affect car insurance quotes in Freeport?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Freeport different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Freeport?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Freeport?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Freeport or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes