Table of contents
How much is car insurance in Big Spring?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Big Spring typically costs about $23 a month less than it does in the rest of Texas.
If you're thinking of moving to Big Spring from out of state, you may still be in luck. The average monthly payment in Big Spring is about $39 less than the rate for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Big Spring, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
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 your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to 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. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $32 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Big Spring.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Big Spring, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Big Spring, a driving record with a single accident will usually get you a rate around $51 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $53.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$40|
According to the first table above, cars are typically the cheapest vehicles to insure in Big Spring, with drivers paying around $42 per month for auto insurance.
SUV owners will see rates of about $44, while truck and van owners by and large pay around $43 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Big Spring are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$43|
Overall, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Big Spring are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Big Spring. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Big Spring, TX
Recent trends in car insurance for Big Spring drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
Auto insurance rates in Big Spring have been steadily increasing, reaching a high of $53 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 look at a lot of factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Area crime rates
- Number of drivers in the community
- Road safety
- Regional regulations
- Off-street parking access
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. 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 Big Spring?
While knowing 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.
Good news! Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Big Spring.
Big Spring Insurance FAQs
What factors affect car insurance quotes in Big Spring?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Big Spring different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 Big Spring?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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?