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How much is car insurance in Brownwood?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Brownwood is about $18 a month cheaper than it is for the rest of Texas.
Similarly, car insurance rates in Brownwood are often favorable when viewed against the rest of the country. The average monthly payment in Brownwood is about $34 cheaper than the rate for the rest of the U.S.
These rates may be the average amount residents of Brownwood pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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.
But don't worry, we've broken down average rates for Brownwood residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates climb back up in Brownwood.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Brownwood, where female drivers pay around $48 per month while male drivers pay about $43.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Brownwood with a single accident on their record is about $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $65.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$40|
In Brownwood, the cheapest vehicles to insure are typically SUVs, with drivers paying around $41 per month for insurance.
Truck and van drivers will see rates of about $51, while the rates for SUV owners average out to about $41 a month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Brownwood, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally speaking, people who are married will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Brownwood is no exception, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
One other element taken into consideration is your living situation. Homeowners in Brownwood can expect to pay around $4 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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Auto insurance rates in Brownwood had been increasing from from 2016-2017, when they reached a high of $51. This changed in 2018, when policy premiums began to decrease. They hit a low of $39 in 2020, and finished up in 2021, at $49.
How does Brownwood compare to neighboring areas?
Why are car insurance rates in Brownwood different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Availability of off-street parking
- Local crime rates
- Road safety
- Regional regulations
- Amount of drivers
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Brownwood?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Brownwood.
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Brownwood different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Brownwood?
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 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Brownwood or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.