Denison, TX Car Insurance

What rates should residents of Denison expect to pay for their car insurance? Are rates in Denison higher or lower than those in neighboring areas? How do they compare to the rest of Texas? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Denison?

According to the chart above, the average cost of auto insurance in Texas is about $14 a month more expensive than it is in Denison.

Compared to the rest of the country, auto insurance in Denison is more affordable. Car insurance rates for the U.S. as a whole are, on average, $29 more expensive than the rates you'd pay in Denison.

Although these are the average car insurance rates in Denison, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Denison residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Denison Car Insurance Rates by Age

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. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may begin to increase again in Denison.

Denison Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. In Denison, however, men actually pay a little bit less than female drivers for car insurance coverage.

Denison Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Denison with one accident will pay around $55 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $49.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Denison Insurance Rates by Vehicle

The most affordable vehicles to insure in Denison are typically trucks and vans, which run about $47 per month.

Car owners can expect to pay an average of around $50 a month for their policy, while SUVs usually cost around $54 a month to insure.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Denison, the most expensive vehicles to insure are vehicles four-to-five years old.

Denison Car Insurance Rates by Relationship Status

Generally speaking, those who are currently 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 Denison as well, where the difference is around $8 a month.

Denison Car Insurance Rates by Housing Situation

One other element taken into consideration is your living situation. In Denison, homeowners can expect to pay around $10 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 said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.

Car Insurance Companies in Denison, TX

Recent trends in car insurance for Denison drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Auto insurance rates in Denison went up from 2017-2018, but decreased until 2020, when they reached a low of $40. Policy premiums finished down in 2022, at $45 a month.

How does Denison compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Access to off-street parking
• Rate of car accidents
• Rate of crime
• Total drivers
• Regional regulations

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Denison?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Denison.

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Denison Auto Insurance FAQs

What factors affect car insurance quotes in Denison?

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 driving record, credit score, marital status, and address.

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

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Denison?

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 Denison?

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 Denison or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?