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How much is car insurance in Bacliff?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $8 a month more expensive to insure your vehicle in Bacliff than it is in the rest of Texas.
However, car insurance rates in Bacliff are often favorable when viewed against the rest of the country. It's about $7 cheaper than the national average to insure your vehicle in Bacliff.
While these are the average monthly costs for auto insurance coverage in Bacliff, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Bacliff to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Bacliff Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates begin to go back up once you hit retirement in Bacliff.
Bacliff Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Bacliff, however, both pay the same monthly amount for car insurance coverage.
Bacliff Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Bacliff, a driving record with one accident will usually get you a rate around $72 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $73 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Bacliff Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$74|
According to the first table above, the cheapest vehicles to insure in Bacliff are typically SUVs, at $69 per month.
Car owners will see rates of about $75, while truck and van owners by and large pay around $73 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Bacliff, the most expensive vehicles to insure are vehicles six-to-seven years old.
Bacliff Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
More often than not, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Bacliff can be as much as $16 a month, so it's worth taking into consideration.
Bacliff Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Bacliff, homeowners can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
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 premiums.
Car Insurance Companies in Bacliff, TX
Recent trends in car insurance for Bacliff drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
Car insurance rates in Bacliff had been decreasing from 2017-2018, but leveled out in 2021. Rates have been increasing since then, and recently reached a high of $91 per month in 2022.
How does Bacliff compare to neighboring areas?
Why are car insurance rates in Bacliff different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Amount of drivers in the area
- Regional laws
- Regional crime rates
- Off-street parking availability
- General road safety (how many accidents each locality has)
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Bacliff?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Bacliff.
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Bacliff Auto Insurance FAQs
What factors affect car insurance quotes in Bacliff?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Bacliff different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Bacliff?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Bacliff?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Bacliff or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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