Table of contents
How much is car insurance in Bastrop?
|Area||Average Monthly Car Insurance Premium|
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, car insurance rates in Bastrop are often favorable when viewed against the rest of the country. Auto insurance coverage in Bastrop is about $23 cheaper than it is for the rest of the U.S.
While these are the average costs to insure your vehicle in Bastrop, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've broken down the average rates for Bastrop to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates rise again once you hit retirement in Bastrop.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually 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 $53 on average, while male drivers typically pay $61 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Bastrop with a single accident on their record is about $68 a month. In addition, drivers with a single ticket on their record can expect to pay around $52 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$57|
In Bastrop, the cheapest vehicles to insure are typically SUVs, with drivers paying around $52 per month for insurance coverage.
SUV owners will see rates of about $52, while truck and van owners by and large pay around $64 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Bastrop, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally speaking, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Bastrop is no exception, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|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 $8 a month more than drivers who own property in Bastrop. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 picking an insurance policy.
Car insurance rates in Bastrop decreased from 2016-2018, where they reached a low of $46, before leveling out in 2019. Rates have been decreasing again since 2020, and finished down at $49 in 2021.
How does Bastrop compare to neighboring areas?
Why are car insurance rates in Bastrop different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around your home address. These factors include things like:
- Crime levels
- Number of drivers in the area
- Off-street parking accessibility
- Road Safety (total number of local car accidents)
- Community laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Bastrop?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Bastrop.
Bastrop Insurance FAQs
What factors affect car insurance quotes in Bastrop?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bastrop different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bastrop or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.