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How much is car insurance in Ennis?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Texas is about $7 a month more expensive than it is in Ennis.
Compared to the national average cost of auto insurance coverage, Ennis has lower rates. The average monthly payment for the United States as a whole is about $22 more expensive than in Ennis.
Keep in mind that these are the average auto insurance rates for Ennis, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for Ennis to help you understand what your monthly premium might be. 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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Ennis Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $36 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates creep back up once you hit retirement age in Ennis.
Ennis Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Ennis, although women do pay a bit less on their monthly premiums, the cost is about the same for either group.
Ennis Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Ennis, a driving record with one accident will usually get you a rate around $69 a month. In addition, drivers with one ticket can expect to pay around $60 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Ennis Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$53|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Ennis, with drivers paying around $54 per month for auto insurance coverage.
SUV drivers will see rates of about $56 for car insurance coverage, while car owners usually pay around $59 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Ennis, vehicles eight-to-ten years old are the most expensive to insure.
Ennis Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Ennis can be as much as $10 a month, so it's worth taking into consideration.
Ennis Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Ennis. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Ennis, TX
Recent trends in car insurance for Ennis drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The rates for car insurance in Ennis had been decreasing from 2017-2019, where they hit a low of $46, before steadying out in 2020. Car insurance rates have been decreasing again since 2021, and finished down at $60 in 2022.
How does Ennis compare to neighboring areas?
Why are car insurance rates in Ennis different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Access to off-street parking
- Number of car accidents
- Total amount of drivers in the community
- Crime levels
- Local laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Ennis?
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.
But wait! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies providing policies in Ennis.
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Ennis Auto Insurance FAQs
What factors affect car insurance quotes in Ennis?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Ennis different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Ennis?
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 Ennis?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Ennis or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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