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How much is car insurance in Forney?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $12 a month more expensive to insure your vehicle in Forney than it is in the rest of Texas.
If you're thinking of moving to Forney from out of state, you may still be in luck. You can expect to pay about $3 below the national average for auto insurance in Forney.
While these are the average car insurance rates for Forney, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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.
But don't worry, we've broken down the average rates for Forney residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Forney Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. 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 $52 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may rise again in Forney.
Forney Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Forney is about $6 a month. As you can see in the table above, male drivers in the area typically pay $80 on average, while female drivers typically pay $74 each month.
Forney Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Forney with a single accident on their record will usually see rates around $95 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $72 on average.
Forney Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$81|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Forney, with drivers paying around $69 per month for auto insurance coverage.
Car owners, on the other hand, by and large pay around $83 per month, while truck and van drivers can expect to pay about $70 a month to insure their car.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Forney, vehicles two-to -three years old are the most expensive to insure.
Forney Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
Generally speaking, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Forney can be as much as $25 a month, so it's worth keeping that in mind.
Forney Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Another factor that comes into play is your living accommodations. Drivers who own property in Forney can expect to pay around $10 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.
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 Forney, TX
Recent trends in car insurance for Forney 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 policy.
The cost of auto insurance in Forney dropped from 2017-2020, when it reached a low of $63. This trend changed in 2021, when it began to increase, and has continued on that road through the present, where insurance rates hit a high of $90 per month.
How does Forney compare to neighboring areas?
Why are car insurance rates in Forney different from other areas?
Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of off-street parking
- Area laws
- Amount of drivers in the region
- Number of car accidents
- Local crime rates
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 get started.
How can I find the cheapest car insurance in Forney?
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.
Luckily, Compare.com does all of that work for you. Put in 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 that offer auto coverage in Forney.
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Forney Auto Insurance FAQs
What factors affect car insurance quotes in Forney?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Forney different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, 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 Forney?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Forney?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Forney 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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