Brownwood, TX Car Insurance

What can Brownwood residents expect to pay for their car insurance? How does Brownwood stack up to the rest of the area, or even Texas as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Brownwood?

Based on the chart above, you can see that it's about $19 a month cheaper to insure your vehicle in Brownwood 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 Brownwood is rather affordable. The average monthly payment in Brownwood is about $34 cheaper than the rate for the rest of the United States.

While these are the average costs to insure your vehicle in Brownwood, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Brownwood 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 Code below and find out!

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Brownwood Car Insurance Rates by Age

The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates creep back up a bit in Brownwood.

Brownwood Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. While this isn't true in Brownwood, the difference in monthly rates is minimal.

Brownwood Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Brownwood, a driving record with a single accident will usually get you a rate around $52 a month. In addition, drivers with a single ticket on their record can expect to pay around $63 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Brownwood Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Brownwood are usually SUVs, at $40 per month.

SUV owners can expect to pay an average of around $40 a month for their policy, while truck and van drivers are usually around $50 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Brownwood, the most expensive vehicles to insure are vehicles four-to-five years old and eight-to-ten years old.

Brownwood Car Insurance Rates by Relationship Status

Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Brownwood follows that pattern, with the difference totaling to around $5 a month.

Brownwood Car Insurance Rates by Housing Situation

Your housing status is another component of how insurance companies calculate your monthly rate. In Brownwood, homeowners can expect to pay around $2 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

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 Brownwood, TX

Recent trends in car insurance for Brownwood 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 Brownwood declined from 2017-2020, before steadying out in 2021. They finished down in 2022, at $45 per month

How does Brownwood compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Many factors affecting your policy are based around your home address. These factors include things like:

• Regional regulations
• Crime rates
• Off-street parking access
• Total number of drivers
• Number of car accidents

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 cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Brownwood?

Equipping 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.

Don't worry, Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Brownwood in no time.

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Brownwood Auto Insurance FAQs

What factors affect car insurance quotes in Brownwood?

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 gender and age, as well as your address, credit score, driving record, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Brownwood?

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 Brownwood?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Brownwood 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.