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How much is car insurance in Denton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Denton are in line with rates across the rest of Texas.
That being said, when compared to the national average, the cost for auto insurance in Denton is lower. It's about $15 cheaper than the national average to insure your vehicle in Denton.
These rates may be the average amount DENTON residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium 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 based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $45 more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may climb back up in Denton.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Denton, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Denton, a driving record with one accident will usually get you a rate around $77 a month. In addition, drivers with one ticket can expect to pay around $98 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Denton are typically SUVs, at $59 per month.
Car owners can expect to pay an average of around $67 a month for their policy, while truck and van drivers are usually around $60 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Denton, for example, are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Denton can be as much as $20 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Denton, expect to pay around $13 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot 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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Denton, the rates for car insurance have been mixed over the past few years. They did, however, rise from $63 in 2020 to $70 in 2021.
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 variety of factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Crime levels
- Area laws
- Total number of drivers
- Amount of off-street parking
- Road Safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Denton?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Denton.
Denton Insurance FAQs
What factors affect car insurance quotes in Denton?
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 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, crime rates, and local laws 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?
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 Denton?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Denton or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.