Table of contents
How much is car insurance in Forney?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Forney is about $12 a month more expensive than the rest of Texas.
However, the expected monthly payments for an auto insurance policy in Forney are below the national average. You can expect to pay about $4 below the national average for auto insurance in Forney.
These may be the average auto insurance rates for Forney, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
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. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may creep back up a bit in Forney.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Forney, male drivers pay about $7 more a month. Based on the chart above, you can see that female drivers pay around $72 on average, while male drivers typically pay $79 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Forney, having a single accident on your record will usually get you rates around $96 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $80.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$80|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Forney, with drivers paying around $58 per month for auto insurance coverage.
Car owners can expect to pay an average of around $85 a month for their policy, while SUVs usually cost around $61 a month to insure.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Forney, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
More often than not, car insurance is slightly cheaper for married policyholders. 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, married drivers usually pay less than single drivers for auto insurance. This holds true for Forney as well, where the difference is around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
Another factor that comes into play is your housing status. Those who own their own home in Forney can expect to pay around $11 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Forney, TX
Recent trends in car insurance for Forney drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Car insurance rates in Forney increased from 2016-2017, before turning downward from 2018-2020. They finished up in 2021 at $99.
How does Forney compare to neighboring areas?
Why are car insurance rates in Forney different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Total number of drivers
- Road Safety (how many accidents each locality has)
- Crime levels
- Amount of 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. With the knowledge 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 Forney?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Forney.
Forney 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 you can't control like your age and gender but also factors like your driving record, address, credit score, 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Forney?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Forney?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Forney or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?