Gilmer, TX Car Insurance

On average, Gilmer drivers pay a monthly average rate of around $55 for their car insurance. To learn more about car insurance rates in the Gilmer area, read our guide below.
How much can residents of Gilmer expect to pay for their car insurance? Are rates in Gilmer higher or lower than those in neighboring areas? How do they compare to the rest of Texas? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Gilmer?

Area Average Monthly Car Insurance Premium
Gilmer$55
TX$65
United States$81

According to the chart above, the average cost of auto insurance in Texas is about $10 a month more expensive than it is in Gilmer.

Drivers relocating from out of state may enjoy some cost savings in Gilmer. You can expect to pay about $26 less for your policy in Gilmer than in the rest of U.S.

Although these are the average rates for auto insurance in Gilmer, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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 the bill you'll see each month.

But don't worry, we've broken down the average rate for Gilmer residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$88
25-34$56
35-44$49
45-54$44
55-64$48
65+$43

The older you are, the more experience you're likely to have behind the wheel, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to go back up in Gilmer.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$54

In general, car insurance rates for women are usually cheaper than they are for men. In Gilmer, however, the difference in monthly rates for auto insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$73
1 Ticket$62
Multiple Tickets$47

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Gilmer with a single accident on their record will usually see rates around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $62 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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$35
2-3 Years$45
4-5 Years$66
6-7 Years$60
8-10 Years$71
11-14 Years$56
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, typically pay around $59 a month, while truck and van drivers can expect to pay about $56 per month for insurance coverage.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Gilmer, 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)$57
Married$50
Divorced$62
Widowed$46

On average, married policyholders will pay slightly less for car insurance. 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 Gilmer as well, where the difference is around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$57
Live with parents$92

Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Gilmer can expect to pay around $8 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

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.

Auto insurance rates in Gilmer increased from 2017-2018, but began to decrease from 2019-2020 -- when they reached a low of $38. Insurance rates finished down in 2022 at $48 a month.

How does Gilmer compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Local crime rates
  • Access to off-street parking
  • Total amount of drivers in the area
  • Road Safety (total number of local car accidents)
  • Local laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Gilmer?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Gilmer.

Compare the cheapest quotes from dozens of insurance companies

Gilmer Insurance FAQs

What factors affect car insurance quotes in Gilmer?

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 age and gender, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Gilmer different from other neighboring cities?

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Gilmer?

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 Gilmer?

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?

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 Gilmer 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