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How much is car insurance in Ennis?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month cheaper to insure your vehicle in Ennis than it is in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Ennis is rather affordable. Car insurance rates for the U.S. as a whole are, on average, $23 more expensive than the rates you'd pay in Ennis.
While these are the average car insurance rates for Ennis, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't sweat it however, we've broken down average rates for Ennis residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $35 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Ennis.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price to insure your car in Ennis, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Ennis with one accident will pay around $59 a month. In addition, drivers with one ticket can expect to pay around $60 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$53|
The most affordable vehicles to insure in Ennis are by and large trucks and vans, which run about $53 per month.
SUV drivers will see rates of about $58, while the rates for car owners average out to about $59 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Ennis, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Overall, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Ennis is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Your living accommodations is another component of how insurance companies calculate your monthly rate. In Ennis, homeowners can expect to pay around $9 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance 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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
Auto insurance rates in Ennis had been decreasing from 2017-2019, where they reached a low of $46, before leveling out in 2020. Since 2021, car insurance rates have once again been decreasing and hit $59 in 2022.
How does Ennis compare to neighboring areas?
Why are car insurance rates in Ennis different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking accessibility
- Amount of drivers in the community
- Road safety
- Regional regulations
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 Ennis?
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 can handle all of this for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Ennis.
Ennis 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 age and gender, as well as your driving record, address, 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 crime rates, local laws, and parking situations 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?
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 Ennis?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Ennis or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.