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How much is car insurance in Denton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Denton are in line with the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Denton is rather affordable. On average, it's about $15 less to insure your vehicle in Denton than it is in the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Denton, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down average rates for Denton residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Denton Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement in Denton.
Denton Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While female drivers pay slightly less than male drivers on their monthly auto insurance coverage, the difference in Denton is only about $2 a month.
Denton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Denton with a single accident will pay around $81 a month. Likewise, drivers with one ticket will be looking at a rate of around $80 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Denton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$61|
As you can see in the first table above, the cheapest vehicles to insure in Denton are by and large SUVs, which run about $58 per month.
Car owners, on the other hand, usually pay around $68 per month, while truck and van drivers can expect to pay about $63 a month to insure their vehicle.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Denton, the most expensive vehicles to insure are vehicles six-to-seven years old.
Denton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Denton, with married couples paying about $20 less per month.
Denton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Denton. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Denton, TX
Recent trends in car insurance for Denton 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.
In Denton, auto insurance rates went up from 2020-2021, before leveling out in 2022. Rates finished down in 2022, at $60 per month
How does Denton compare to neighboring areas?
Why are car insurance rates in Denton different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Amount of drivers in the community
- Prevalence of crime
- Community laws
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Denton?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Denton.
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Denton Auto Insurance FAQs
What factors affect car insurance quotes in Denton?
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 age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Denton 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 Denton?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Denton?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Denton or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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