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How much is car insurance in Freeport?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Texas is about $4 a month more expensive than it is in Freeport.
Compared to the national average cost of auto insurance coverage, Freeport has lower rates. It's about $19 cheaper than the national average to insure your vehicle in Freeport.
Keep in mind that while these are the average car insurance rates for Freeport, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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 payment amount.
We've done the heavy lifting for you and broken down the average rate for Freeport so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Freeport Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $56 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Freeport.
Freeport Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. Male and female drivers in Freeport, however, both pay the same monthly amount for car insurance.
Freeport Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay significantly less than those with infractions. In Freeport, a driving record with one accident will usually get you a rate around $56 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $51.
Freeport Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$50|
If you look at the first table above, the cheapest vehicles to insure in Freeport are typically trucks and vans, at $50 per month.
SUV drivers will see rates of about $58 for auto insurance, while car owners by and large pay around $68 per 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, your rates may start to decrease if your car is about 5 years old. The most expensive vehicles to insure in Freeport are vehicles eight-to-ten years old.
Freeport Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. 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 Freeport as well, where the difference is around $13 a month.
Freeport Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$98|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $11 a month more than drivers who own property in Freeport. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Freeport, TX
Recent trends in car insurance for Freeport drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
Auto insurance rates in Freeport decreased from 2017-2019, when they hit a low of $45. This pattern leveled out in 2020, when they began to rise, and have continued on that path through the present, where rates finished at $70 a month.
How does Freeport compare to neighboring areas?
Why are car insurance rates in Freeport different from other areas?
Car insurance companies look at a lot of 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 your home address. These include things like:
- Local crime rates
- Total number of drivers in the community
- General road safety (how many accidents each locality has)
- Regional laws
- Off-street parking access
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Freeport?
Equipping 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. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Freeport.
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Freeport Auto Insurance FAQs
What factors affect car insurance quotes in Freeport?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Freeport different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Freeport?
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 Freeport?
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 Freeport 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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