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How much is car insurance in Dickinson?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Dickinson are about $8 a month more expensive than the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Dickinson is rather affordable. It's about $7 cheaper to insure your vehicle in Dickinson compared to the average rate for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Dickinson, 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 monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Dickinson and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Dickinson Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up a bit in Dickinson.
Dickinson Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Dickinson, where women pay around $8 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $69 each month, while men pay $77 on average.
Dickinson Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Dickinson with one accident will pay around $99 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $78.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Dickinson Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$67|
If you look at the first table above, the cheapest vehicles to insure in Dickinson are by and large SUVs, at $65 per month.
SUV owners, on the other hand, usually pay around $65 a month, while truck and van drivers can expect to pay about $76 per month for insurance coverage.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Dickinson, vehicles four-to-five years old are the most expensive to insure.
Dickinson Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$81|
On average, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Dickinson is no exception, with the difference totaling to around $23 a month.
Dickinson Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Dickinson. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
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 insurance provider.
Rates in Dickinson have been mixed recently. They increased in 2017, decreased in 2019, and rose again in 2021, before finishing at $104 in 2022.
How does Dickinson compare to neighboring areas?
Why are car insurance rates in Dickinson different from other areas?
There are several factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of car accidents
- Crime rates
- Local laws
- Total number of drivers in the community
- Access to off-street parking
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. 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 Dickinson?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Dickinson.
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Dickinson Auto Insurance FAQs
What factors affect car insurance quotes in Dickinson?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Dickinson 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 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?
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 Dickinson 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.
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