Gilmer, TX Car Insurance

On average, Gilmer drivers pay a monthly average rate of around $55 for their car insurance. Check out our guide below to find out how much you'll pay.
How do rates in Gilmer measure up compared to neighboring areas, including Texas as a whole? What rates can residents of Gilmer expect to pay for their car insurance? 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$64
United States$80

As you can see in the chart above, it is around $9 a month cheaper to insure your vehicle in Gilmer than it is in the rest of Texas.

If you're thinking of moving to Gilmer from out of state, you may still be in luck. Auto insurance coverage in Gilmer is about $25 cheaper than it is for the rest of the United States.

Keep in mind that while these are the average car insurance rates for Gilmer, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down average rates for Gilmer residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code 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$89
25-34$54
35-44$51
45-54Not Enough Data
55-64$41
65+$43

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $46 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may begin to go back up in Gilmer.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$54

In general, female drivers pay less for car insurance than their male counterparts. In Gilmer, although women do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$50
1 Ticket$70
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Gilmer with one accident will pay around $62 a month. In addition, drivers with a single ticket on their record can expect to pay around $70 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$35
2-3 Years$38
4-5 Years$63
6-7 Years$57
8-10 Years$71
11-14 Years$59
15 Years or Older$47

The most affordable vehicles to insure in Gilmer are by and large SUVs, which run about $47 per month.

Truck and van drivers will see rates of about $53 for insurance coverage, while car owners typically pay around $58 per month.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Gilmer, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$49
Divorced$58
Widowed$46

Generally, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

According to the table above, the difference in rates based on relationship status in Gilmer can be as much as $8 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$55
Live with parents$98

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $8 a month more than drivers who own property in Gilmer. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Gilmer, TX

Recent trends in car insurance for Gilmer drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Gilmer, the rates for auto insurance had been decreasing from 2016-2017, before steadying out in 2018. Policy premiums decreased again, hitting a low of $38 in 2020, and finishing up at $52.

How does Gilmer compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Road Safety (frequency of car accidents)
  • Regional laws
  • Prevalence of crime
  • Access to off-street parking
  • Total number of drivers in the community

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?

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.

But wait! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Gilmer.

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Gilmer Insurance FAQs

What factors affect car insurance quotes in Gilmer?

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 Gilmer 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 Gilmer?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Gilmer?

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?

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 Gilmer 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.

Find your best rate in just a few minutes