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How much is car insurance in Desoto?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Desoto are on par with what you would pay anywhere else in Texas.
If you're thinking of moving to Desoto from out of state, you may still be in luck. It's around $15 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average car insurance rates in Desoto, 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. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Desoto so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Desoto 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 really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $62 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up once you hit retirement age in Desoto.
Desoto Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Desoto totals about $4 per month. Based on the chart above, you can see that male drivers pay $67 on average, while female drivers typically pay $63 each month.
Desoto Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Desoto with a single accident will pay around $74 a month. In addition, drivers with a single ticket on their record can expect to pay around $85 a month on average.
Desoto Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$60|
In Desoto, the cheapest vehicles to insure are usually SUVs, with drivers paying around $59 per month for auto insurance.
Truck and van drivers will see rates of about $62, while the rates for car owners average out to about $67 a 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 about 5 years old however, your rates may start to dip back down a bit. In Desoto, the most expensive vehicles to insure are vehicles two-to -three years old.
Desoto Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
On average, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The cost of auto insurance in Desoto reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.
Desoto Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Desoto, expect to pay around $12 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Desoto, TX
Recent trends in car insurance for Desoto drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of auto insurance in Desoto increased from 2017-2018, when they hit a low of $59. This shifted in 2019, when insurance rates started to rise. They reached a high of $81 in 2021, and finished down in 2022, at $71 per month.
How does Desoto compare to neighboring areas?
Why are car insurance rates in Desoto different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Many factors affecting your policy are based around where you call home. These factors include things like:
- Community laws
- Availability of off-street parking
- Total drivers
- Area crime rates
- Road safety
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Desoto?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Desoto.
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Desoto Auto Insurance FAQs
What factors affect car insurance quotes in Desoto?
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 gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Desoto 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 local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Desoto?
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 Desoto?
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?
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 Desoto 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.
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