Bacliff, TX Car Insurance

On average, Bacliff drivers pay a monthly average rate of around $71 for their car insurance. For more information refer to our guide below.
Are rates in Bacliff higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What rates should residents of Bacliff expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Bacliff?

Area Average Monthly Car Insurance Premium
Bacliff$71
TX$64
United States$80

Coverage for your vehicle in Bacliff will typically run you about $7 a month more than in the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Bacliff is rather affordable. You can expect to pay about $9 less for your policy in Bacliff than in the rest of United States.

Although these are the average rates for auto insurance in Bacliff, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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.

Don't sweat it however, we've broken down average rates for Bacliff residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$104
25-34$69
35-44$75
45-54Not Enough Data
55-64$58
65+$57

It's pretty safe to assume that the older you are, the more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates rise again once you hit retirement age in Bacliff.

Average Car Insurance Rates by Gender

Gender Average
Male$70
Female$72

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Bacliff, however, men actually pay a bit less than female drivers to insure their vehicle.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$91
1 Ticket$80
Multiple Tickets$104

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Bacliff, having a single accident on your record will usually get you rates around $68 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $80.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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$57
2-3 Years$55
4-5 Years$71
6-7 Years$78
8-10 Years$75
11-14 Years$70
15 Years or Older$70

In terms of affordable coverage, the cheapest vehicles to insure in Bacliff are by and large trucks and vans, at $64 per month.

SUV drivers will see rates of about $68, while the rates for car owners average out to about $74 per month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Bacliff, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$74
Married$60
Divorced$77
Widowed$57

On average, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Bacliff can be as much as $14 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$74
Live with parents$72

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Bacliff. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Bacliff, TX

Recent trends in car insurance for Bacliff drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The cost of car insurance in Bacliff had been increasing from 2016-2017, before steadying out in 2018. Car insurance rates finished up in 2021, at $98 a month

How does Bacliff compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Regional laws
  • Crime
  • Amount of drivers in the region
  • Availability of off-street parking
  • Road Safety (total number of local car accidents)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Bacliff?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Bacliff.

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Bacliff Insurance FAQs

What factors affect car insurance quotes in Bacliff?

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 credit score, driving record, address, and marital status.

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

Auto insurance companies consider regional factors, such as crime rates, parking situations, 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 Bacliff?

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 Bacliff?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bacliff or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes