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How much is car insurance in Gilmer?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Gilmer is about $10 cheaper than it is in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Gilmer is more affordable. You can expect to pay about $25 below the national average for auto insurance in Gilmer.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.
We've broken down average rates for Gilmer to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Gilmer Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $45 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Gilmer drivers may see their rates climb back up a bit once they hit retirement.
Gilmer Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Gilmer, the difference is around $5 a month. As illustrated in the table above, male drivers in the area pay about $58 on average, while female drivers pay around $53 each month.
Gilmer Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Gilmer, drivers with one accident on their record will experience rates around $60 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $65 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Gilmer Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$35|
|15 Years or Older||$50|
As you can see in the first table above, the cheapest vehicles to insure in Gilmer are usually SUVs, which run about $45 per month.
Car owners, on the other hand, by and large pay around $59 per month, while truck and van drivers can expect to pay about $56 a month for auto insurance.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Gilmer, vehicles eight-to-ten years old are the most expensive to insure.
Gilmer Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Gilmer is no exception, with the difference totaling to around $5 a month.
Gilmer Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $9 a month more than homeowners in Gilmer. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Gilmer, TX
Recent trends in car insurance for Gilmer drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Gilmer, the rates for car insurance went up from 2017-2018, but began to decrease from 2019-2020, when they reached a low of $38. Rates finished down in 2022, at $51 per month.
How does Gilmer compare to neighboring areas?
Why are car insurance rates in Gilmer different from other areas?
There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Prevalence of crime
- Community laws
- General road safety (how many accidents each locality has)
- Off-street parking access
- Number of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Gilmer?
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.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Gilmer.
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Gilmer Auto Insurance FAQs
What factors affect car insurance quotes in Gilmer?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Gilmer different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Gilmer?
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 Gilmer?
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Gilmer or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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