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How much is car insurance in Cleburne?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month cheaper to insure your vehicle in Cleburne than it is in the rest of Texas.
Likewise, car insurance rates in Cleburne are more affordable than the national average. It's about $23 cheaper than the national average to insure your vehicle in Cleburne.
While these numbers represent the average monthly payments for coverage in Cleburne, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't worry, we've done the work for you and broken down average rates for Cleburne to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Cleburne Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay $54 more than drivers 65 and older.
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 age in Cleburne.
Cleburne Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Cleburne, although men do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.
Cleburne Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. 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. Drivers in Cleburne with one accident will pay around $80 a month. Similarly, drivers with one ticket will typically pay around $52 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Cleburne Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$52|
The most affordable vehicles to insure in Cleburne are typically trucks and vans, which run about $53 per month.
SUV drivers will see rates of about $62, while the rates for car owners average out to about $57 per month.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Cleburne are vehicles less than one year old.
Cleburne Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Cleburne as well, where the difference is around $10 a month.
Cleburne Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Cleburne. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Cleburne, TX
Recent trends in car insurance for Cleburne drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of auto insurance in Cleburne had been increasing from 2017-2018, where it hit a high of $65, before steadying out in 2019. Car insurance rates increased again in 2020, and finished down at $52 in 2022.
How does Cleburne compare to neighboring areas?
Why are car insurance rates in Cleburne different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Total number of drivers in the area
- Off-street parking accessibility
- Road Safety (how many accidents each locality has)
- Area crime rates
- Area laws
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. Knowing 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 Cleburne?
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.
But hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Cleburne.
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Cleburne Auto Insurance FAQs
What factors affect car insurance quotes in Cleburne?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Cleburne 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 Cleburne?
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 Cleburne?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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 Cleburne 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.
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