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How much is car insurance in Balch Springs?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Texas are about $5 a month cheaper than the rates drivers pay in Balch Springs.
If you're thinking of moving to Balch Springs from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $10 more expensive than in Balch Springs.
Bear in mind that while these are the average car insurance rates for Balch Springs, 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. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down average rates for Balch Springs residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Balch Springs Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $80 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates start to rise again once you hit retirement age in Balch Springs.
Balch Springs Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Balch Springs, male drivers pay about $5 more per month. As you can see in the table above, male drivers in the area typically pay $72 on average, while female drivers typically pay $67 each month.
Balch Springs Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Balch Springs, a driving record with a single accident will usually get you a rate around $86 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $67.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Balch Springs Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$127|
|15 Years or Older||$59|
The cheapest vehicles to insure in Balch Springs are usually trucks and vans, with each type typically costing about $57 per month.
Car owners, on the other hand, typically pay around $74 a month, while SUV drivers can expect to pay about $66 per month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Balch Springs, the most expensive vehicles to insure are vehicles less than one year old.
Balch Springs Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Balch Springs can be as much as $22 a month, so it's worth keeping that in mind.
Balch Springs Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $1 less than homeowners in Balch Springs. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Balch Springs, TX
Recent trends in car insurance for Balch Springs drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The cost of car insurance coverage in Balch Springs have been mixed as of late, it rose in 2017, decreased in 2019, and increased again in 2021, before finishing at $78 in 2022.
How does Balch Springs compare to neighboring areas?
Why are car insurance rates in Balch Springs different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Availability of off-street parking
- Prevalence of crime
- Regional laws
- Number of drivers
- Number of car accidents
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Balch Springs?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Balch Springs.
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Balch Springs Auto Insurance FAQs
What factors affect car insurance quotes in Balch Springs?
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 gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Balch Springs different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Balch Springs?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Balch Springs?
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. 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 Balch Springs 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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