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How much is car insurance in Bastrop?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Bastrop are about $8 a month cheaper than in the rest of Texas.
Similarly, car insurance rates in Bastrop are often favorable when viewed against the rest of the country. You can expect to pay about $23 below the national average for auto insurance in Bastrop.
These rates may be the average amount Bastrop residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Bastrop residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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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Bastrop Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $54 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Bastrop drivers may see their rates rise again once they hit retirement.
Bastrop Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Bastrop, where women pay around $9 less a month. Looking at the table above, you can see that female drivers pay around $53 on average, while male drivers typically pay $62 each month.
Bastrop Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Bastrop with a single accident will pay around $68 a month. Likewise, drivers with one ticket will be looking at a rate of around $57 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Bastrop Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$55|
As you can see in the first table above, the cheapest vehicles to insure in Bastrop are usually SUVs, which run about $52 per month.
Truck and van drivers will see rates of about $57, while the rates for car owners average out to about $60 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Bastrop, the most expensive vehicles to insure are vehicles less than one year old.
Bastrop Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Bastrop, the difference in rates based on relationship status can be as much as $17 a month.
Bastrop Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Bastrop, expect to pay around $5 a month more than if you own your home. 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 car insurance costs.
Car Insurance Companies in Bastrop, TX
Recent trends in car insurance for Bastrop drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for car insurance in Bastrop declined from 2017-2018, before leveling out in 2019. They finished down in 2022, at $54 a month
How does Bastrop compare to neighboring areas?
Why are car insurance rates in Bastrop different from other areas?
Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Total drivers
- Community laws
- Availability of off-street parking
- Road Safety (frequency of car accidents)
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Bastrop?
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.
But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Bastrop.
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Bastrop Auto Insurance FAQs
What factors affect car insurance quotes in Bastrop?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Bastrop different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Bastrop?
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 Bastrop?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Bastrop 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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