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How much is car insurance in Big Spring?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Big Spring is about $22 cheaper than it is in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Big Spring is rather affordable. On average, it's about $37 less to insure your vehicle in Big Spring than it is in the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Big Spring, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Big Spring residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. 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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Big Spring Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $32 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Big Spring drivers may see their rates creep back up once they hit retirement.
Big Spring Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Big Spring, however, the difference in monthly policy premiums is minimal.
Big Spring 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 significantly lower rates than those with accidents or violations. The rate for drivers in Big Spring with a single accident on their record is about $51 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $53 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Big Spring Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$41|
The cheapest vehicles to insure in Big Spring are typically cars, with each type typically costing about $42 per month.
Truck and van drivers will see rates of about $43 for car insurance, while SUV owners by and large pay around $45 a month.
Vehicle age can also affect your monthly bill. 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. In Big Spring, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Big Spring Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$44|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
While married drivers normally pay less than single drivers, in Big Spring both groups pay about the same rate.
Big Spring Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Big Spring. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Big Spring, TX
Recent trends in car insurance for Big Spring drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of insurance in Big Spring went up from 2017-2018, before leveling out in 2019. They had been increasing again, reaching a high of $50 in 2021, and finished down at $49 in 2022.
How does Big Spring compare to neighboring areas?
Why are car insurance rates in Big Spring different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Regional regulations
- Total number of drivers in the area
- Road Safety (frequency of car accidents)
- Prevalence of crime
- Amount of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Big Spring?
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 does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer plans in Big Spring.
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Big Spring Auto Insurance FAQs
What factors affect car insurance quotes in Big Spring?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Big Spring different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Big Spring?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Big Spring?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Big Spring 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?
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