Bacliff, TX Car Insurance

Residents of Bacliff pay around $73 monthly for their car insurance coverage. We cover plan rates, policies and more in our guide below.
What rates can residents of Bacliff expect to pay for their car insurance? How does Bacliff compare to the surrounding area and the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Bacliff?

Area Average Monthly Car Insurance Premium
Bacliff$73
TX$65
United States$81

Looking at the chart above, you can see that it is around $8 a month more expensive to insure your vehicle in Bacliff than it is in the rest of Texas.

If you're thinking of moving to Bacliff from out of state, you may still be in luck. Car insurance rates for the U.S. as a whole are, on average, $8 more expensive than the rates you'd pay in Bacliff.

While these numbers are the average rates for auto insurance in Bacliff, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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.

We've analyzed the average rate for Bacliff and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP 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$103
25-34$70
35-44$78
45-54$54
55-64$58
65+$57

Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may climb back up in Bacliff.

Average Car Insurance Rates by Gender

Gender Average
Male$73
Female$73

Car insurance rates for women are generally cheaper than they are for men. In Bacliff, however, male and female drivers both pay, on average, $73 for their monthly policy premium.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$72
Multiple Accidents$91
1 Ticket$73
Multiple Tickets$101

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Bacliff with one accident will pay around $72 a month. Similarly, drivers with one ticket will typically pay around $73 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

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$71
15 Years or Older$74

As you can see in the first table above, the cheapest vehicles to insure in Bacliff are by and large SUVs, which run about $69 per month.

Car owners, on the other hand, typically pay around $75 a month, while truck and van drivers can expect to pay about $73 per month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Bacliff, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$76
Married$60
Divorced$77
Widowed$57

More often than not, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Bacliff is about $16 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$66
Rent$75
Live with parents$72

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Bacliff. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Bacliff, TX

Recent trends in car insurance for Bacliff drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The rates for auto insurance in Bacliff had been decreasing from 2017-2018, but began to increase in 2021. This trend has continued through 2022 when rates have most recently reached $100 a month.

How does Bacliff compare to neighboring areas?

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

There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

  • Road safety
  • Regional laws
  • Prevalence of crime
  • Number of drivers in the area
  • Amount of off-street parking

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 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?

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

But wait! Compare.com does all of that work for you. Just put 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 loads of the car insurance companies providing policies 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 age and gender, but also factors like your address, credit score, driving record, and marital status.

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

Things like local laws, parking situations, and crime rates, 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 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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Bacliff 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