Table of contents
How much is car insurance in Denton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Denton as it does in the rest of Texas.
If you're thinking of moving to Denton from out of state, you may still be in luck. The average monthly payment in Denton is about $15 cheaper than the rate for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Denton, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Denton residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Denton drivers may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Denton, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Denton with a single accident on their record will usually see rates around $80 a month. In addition, drivers with one ticket can expect to pay around $78 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$61|
The cheapest vehicles to insure in Denton are usually SUVs, with each type typically costing about $60 per month.
Truck and van drivers will see rates of about $63 for car insurance, while car owners typically pay around $68 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Denton, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
More often than not, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Denton can be as much as $20 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Denton, expect to pay around $13 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Denton, TX
Recent trends in car insurance for Denton drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for car insurance in Denton went up from 2020-2021, before steadying out in 2022. They finished down in 2022, at $63 a month
How does Denton compare to neighboring areas?
Why are car insurance rates in Denton different from other areas?
Car insurance companies will take into account a lot of factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Road Safety (total number of local car accidents)
- Off-street parking access
- Regional laws
- Number of drivers in the community
- Regional crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Denton?
While getting familiar with 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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Denton.
Denton Insurance FAQs
What factors affect car insurance quotes in Denton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Denton different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Denton?
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 Denton?
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 Denton 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.