Table of contents
How much is car insurance in Granbury?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Granbury are about $8 a month cheaper than in the rest of Texas.
Likewise, when compared to the national average, the cost for auto insurance in Granbury is lower. You can expect to pay about $24 less for your policy in Granbury than in the rest of United States.
Although these are the average rates for auto insurance in Granbury, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Granbury and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Granbury.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Granbury, the difference comes out to about $9 per month. Based on the chart above, you can see that female drivers pay around $51 on average, while male drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Granbury, a driving record with a single accident will usually get you a rate around $85 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $109.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$54|
According to the first table above, the cheapest vehicles to insure in Granbury are by and large SUVs, at $54 per month.
Car owners will see rates of about $57, while truck and van owners usually pay around $55 a month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Granbury, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Granbury, with married couples paying about $8 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Granbury, expect to pay around $10 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
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 Granbury, TX
Recent trends in car insurance for Granbury 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.
The cost of auto insurance coverage in Granbury went up from 2016-2017, before steadying out in 2018. Insurance rates finished up in 2021, at $61 per month
How does Granbury compare to neighboring areas?
Why are car insurance rates in Granbury different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Rate of crime
- Local laws
- Off-street parking access
- Number of car accidents
- Amount of drivers in the region
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Granbury?
While knowing 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 wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Granbury.
Granbury Insurance FAQs
What factors affect car insurance quotes in Granbury?
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 gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Granbury 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 Granbury?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Granbury?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Granbury or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?