Table of contents
How much is car insurance in Azle?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Azle are about $5 a month cheaper than in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Azle. On average, it's about $21 less to insure your vehicle in Azle than it is in the rest of the United States.
Although these are the average monthly costs for an auto insurance policy in Azle, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down average rates for Azle residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $39 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may creep back up a bit in Azle.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Azle, although women do pay a bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Azle with one accident will pay around $64 a month. Likewise, drivers with one ticket will be looking at a rate of around $118 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$60|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Azle, with drivers paying around $53 per month for insurance.
Car owners, on the other hand, usually pay around $62 per month, while truck and van drivers can expect to pay about $54 a month to insure their car.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Azle are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally, those who are currently married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Azle follows that pattern, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Azle, expect to pay around $11 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Azle, TX
Recent trends in car insurance for Azle drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in Azle have been mixed as of late, they rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $55 in 2021.
How does Azle compare to neighboring areas?
Why are car insurance rates in Azle different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Availability of off-street parking
- Road Safety (frequency of car accidents)
- Total amount of drivers in the community
- Local crime rates
- Regional regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Azle?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Azle.
Azle Insurance FAQs
What factors affect car insurance quotes in Azle?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Azle different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Azle?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Azle?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Azle 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?