Table of contents
How much is car insurance in Dickinson?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Dickinson as it does in the rest of Texas.
On the other hand, car insurance rates in Dickinson are more affordable than the national average. The average monthly payment in Dickinson is about $15 cheaper than the rate for the rest of the U.S.
Although these are the average car insurance rates in Dickinson, you could end up paying something different. 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.
We've broken down average rates for Dickinson to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average 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? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Dickinson.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. Male and female drivers in Dickinson, however, both pay around $65 a month for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Dickinson, drivers with one accident on their record will experience rates around $79 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $71.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$49|
|15 Years or Older||$61|
As you can see in the first table above, the cheapest vehicles to insure in Dickinson are usually SUVs, which run about $61 per month.
Car owners, on the other hand, typically pay around $67 per month, while truck and van drivers can expect to pay about $63 a month to insure their vehicle.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Dickinson, the most expensive vehicles to insure are vehicles four-to-five 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 car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Dickinson follows that pattern, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
One other element taken into consideration is your living situation. Drivers who own property in Dickinson can expect to pay around $14 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.
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 Dickinson, TX
Recent trends in car insurance for Dickinson drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
Auto insurance rates in Dickinson decreased from 2016-2017, before leveling out in 2018. Car insurance rates decreased again, reaching a low of $56 in 2020, before finishing up at $65 in 2021.
How does Dickinson compare to neighboring areas?
Why are car insurance rates in Dickinson different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Local crime rates
- Off-street parking availability
- Number of drivers
- Local laws
- 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 change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Dickinson?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Dickinson in no time.
Dickinson Insurance FAQs
What factors affect car insurance quotes in Dickinson?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Dickinson different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Dickinson?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Dickinson?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Dickinson 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.