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How much is car insurance in Brownwood?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Brownwood is about $19 cheaper than it is in the rest of Texas.
Compared to the rest of the country, auto insurance in Brownwood is more affordable. It's around $35 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average costs to insure your vehicle in Brownwood, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Brownwood so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Brownwood drivers may see their rates creep back up once they hit retirement.
Average 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.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Brownwood, a driving record with one accident will usually get you a rate around $52 a month. In addition, drivers with one ticket can expect to pay around $63 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$42|
In terms of affordable coverage, the cheapest vehicles to insure in Brownwood are by and large SUVs, at $41 per month.
SUV owners will see rates of about $41, while truck and van owners typically pay around $50 a month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Brownwood, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. 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.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your housing status is another component of how insurance companies calculate your monthly rate. In Brownwood, homeowners can expect to pay around $3 a month less than those who rent. 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 Brownwood, TX
Recent trends in car insurance for Brownwood drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Brownwood, car insurance rates had been decreasing from 2017-2020, when they reached a low of $39. This trend changed in 2021, when they began to increase, and have continued to do so through 2022, when policy premiums hit a high of $53 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 many factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Crime levels
- Rate of car accidents
- Amount of drivers in the region
- Off-street parking availability
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 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 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.
Luckily, Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Brownwood in no time.
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Brownwood Insurance FAQs
What factors affect car insurance quotes in Brownwood?
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 vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Brownwood different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, 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 Brownwood?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Brownwood or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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