Table of contents
How much is car insurance in Freeport?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month cheaper to insure your vehicle in Freeport than it is in the rest of Texas.
Compared to the national average cost of auto insurance coverage, Freeport has lower rates. You can expect to pay about $22 less for your policy in Freeport than in the rest of United States.
These rates may be the average amount drivers in Freeport pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Freeport residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may rise again in Freeport.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Freeport bucks this trend. Female drivers typically pay around $4 more per month for car insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Freeport, having a single accident on your record will usually get you rates around $56 a month. In addition, drivers with one ticket can expect to pay around $54 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$51|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Freeport, with drivers paying around $49 per month for auto insurance.
SUV drivers will see rates of about $51, while the rates for car owners average out to about $64 a month.
In addition to vehicle type, 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. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Freeport, 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)||$63|
On average, people who are married will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Freeport, the difference in rates based on relationship status can be as much as $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $8 a month more than homeowners in Freeport. Those who live with their parents, however, can expect to pay a lot more.
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
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.
Insurance rates in Freeport have been mixed recently. They rose in 2016, fell in 2018, and increased again in 2020, before finishing at $58 in 2021.
How does Freeport compare to neighboring areas?
Why are car insurance rates in Freeport different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Area regulations
- Amount of drivers
- Off-street parking accessibility
- Local crime rates
- Road Safety (how many accidents each locality has)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Freeport?
While getting familiar with 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 can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer plans in Freeport.
Freeport 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 vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Freeport different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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.