Bastrop, TX Car Insurance

The average cost for car insurance in Bastrop is about $58 a month. For more information refer to our guide below.
What can Bastrop residents expect to pay for their car insurance? How do rates in Bastrop measure up compared to neighboring areas, including Texas as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Bastrop?

Area Average Monthly Car Insurance Premium
Bastrop$58
TX$65
United States$81

Based on the chart above, you can see that it's about $7 a month cheaper to insure your vehicle in Bastrop than it is in the rest of Texas.

Similarly, when compared to the national average, the cost for auto insurance in Bastrop is lower. On average, it's about $23 less to insure your vehicle in Bastrop than it is in the rest of the U.S.

While these are the average car insurance rates for Bastrop, keep in mind that you could end up paying a different amount. 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 policy's monthly price.

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 the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$99
25-34$48
35-44$51
45-54$54
55-64$40
65+$42

More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may creep back up in Bastrop.

Average Car Insurance Rates by Gender

Gender Average
Male$62
Female$54

Car insurance rates for women are generally cheaper than they are for men. This rings true in Bastrop, where women pay around $8 less per month than men. Based on the chart above, you can see that female drivers pay around $54 on average, while male drivers typically pay $62 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$57
1 Ticket$60
Multiple Tickets$66

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Bastrop with a single accident will pay around $70 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $60.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$39
4-5 Years$44
6-7 Years$54
8-10 Years$52
11-14 Years$67
15 Years or Older$56

The most affordable vehicles to insure in Bastrop are by and large SUVs, which run about $53 per month.

Truck and van drivers will see rates of about $57, while the rates for car owners average out to about $61 a month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Bastrop are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$64
Married$46
Divorced$48
Widowed$44

Generally, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

According to the table above, the difference in rates based on relationship status in Bastrop can be as much as $18 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$56
Live with parents$111

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Bastrop. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Bastrop, TX

Recent trends in car insurance for Bastrop drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

In Bastrop, car insurance rates dropped from 2017-2018, when they reached a low of $46. This trend leveled out in 2021, when they began to increase, and have continued moving in that direction through the present, where rates finished at $68 per month.

How does Bastrop compare to neighboring areas?

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

There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Local regulations
  • Access to off-street parking
  • Amount of drivers in the community
  • Rate of car accidents
  • Prevalence of crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Bastrop?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Bastrop.

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Bastrop Insurance FAQs

What factors affect car insurance quotes in Bastrop?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Bastrop?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bastrop or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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