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How much is car insurance in Granbury?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $9 a month cheaper to insure your vehicle in Granbury than it is in the rest of Texas.
Similarly, car insurance rates in Granbury are often favorable when viewed against the rest of the country. It's about $24 cheaper to insure your vehicle in Granbury compared to the average rate for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Granbury, and that the rate you get could end up being something different. 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 policy payment.
We've analyzed the average rate for Granbury and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Granbury Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $49 more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Granbury.
Granbury Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Granbury, male drivers pay about $8 more a month. As illustrated in the table above, female drivers in the area pay about $52 on average, while male drivers pay around $60 each month.
Granbury Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Granbury with one accident will pay around $85 a month. In addition, drivers with one ticket can expect to pay around $66 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Granbury Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$54|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Granbury, with drivers paying around $53 per month for insurance.
SUV owners can expect to pay an average of around $53 a month for their policy, while truck and van drivers are usually around $59 to insure each month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Granbury, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and eight-to-ten years old.
Granbury Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Granbury, the difference in rates based on relationship status can be as much as $7 a month.
Granbury Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Another factor taken into consideration is your housing status. Renters can expect to pay around $12 a month more than drivers who own property in Granbury. Those who live with their parents, however, can expect to pay a lot 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 average premiums.
Car Insurance Companies in Granbury, TX
Recent trends in car insurance for Granbury drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Granbury, car insurance rates had been decreasing from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $52 per month
How does Granbury compare to neighboring areas?
Why are car insurance rates in Granbury different from other areas?
Car insurance companies look at a number of factors when they're 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:
- Availability of off-street parking
- Road Safety (frequency of car accidents)
- Crime rates
- Regional regulations
- Total number of drivers in the region
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Granbury?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Granbury.
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Granbury Auto Insurance FAQs
What factors affect car insurance quotes in Granbury?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Granbury 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, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Granbury?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Granbury?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Granbury 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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