Forney, TX Car Insurance

On average, Forney drivers pay a monthly average rate of around $77 for their car insurance. To learn more about car insurance rates in the Forney area, read our guide below.
Are rates in Forney higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What can Forney residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Forney?

Area Average Monthly Car Insurance Premium
Forney$77
TX$65
United States$81

As you can see, car insurance policies across the rest of Texas are about $12 a month cheaper than the rates drivers pay in Forney.

That being said, when compared to the national average, the cost for auto insurance in Forney is lower. You can expect to pay about $4 less for your policy in Forney than in the rest of United States.

Bear in mind that while these rates represent the expected monthly payments for Forney residents, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Forney and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$219
18-24$117
25-34$70
35-44$61
45-54Not Enough Data
55-64$49
65+$67

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Forney.

Average Car Insurance Rates by Gender

Gender Average
Male$80
Female$71

Female drivers pay, on average, slightly less than their male counterparts. In Forney, the difference is around $9 per month. Looking at the table above, you can see that female drivers pay around $71 on average, while male drivers typically pay $80 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$93
Multiple Accidents$112
1 Ticket$71
Multiple Tickets$150

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Forney with a single accident on their record is about $93 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $71 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$72
2-3 Years$84
4-5 Years$73
6-7 Years$84
8-10 Years$76
11-14 Years$71
15 Years or Older$79

As you can see in the first table above, the cheapest vehicles to insure in Forney are usually SUVs, which run about $64 per month.

Car owners will see rates of about $83, while truck and van owners by and large pay around $70 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Forney are vehicles two-to-three years old and six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$84
Married$60
Divorced$61
Widowed$70

More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

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
Own$65
Rent$75
Live with parents$105

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $10 a month more than homeowners in Forney. 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 costs, depending on your insurance company.

Car Insurance Companies in Forney, TX

Recent trends in car insurance for Forney drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Forney declined from 2017-2020, before steadying out in 2021. They finished down in 2022, at $80 per month

How does Forney compare to neighboring areas?

Why are car insurance rates in Forney different from other areas?

There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Road Safety (frequency of car accidents)
  • Community regulations
  • Amount of drivers in the community
  • Off-street parking availability
  • Crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 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.

Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Forney.

Compare the cheapest quotes from dozens of insurance companies

Forney Insurance FAQs

What factors affect car insurance quotes in Forney?

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 driving record, credit score, address, and marital status.

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 parking situations, local laws, and crime rates 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?

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 Forney?

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 Forney 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.

Find your best rate in just a few minutes