Jasper, TX Car Insurance

Drivers in Jasper pay around $57 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What rates can residents of Jasper expect to pay for their car insurance? How does Jasper compare to the surrounding area and the rest of Texas? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Jasper?

Area Average Monthly Car Insurance Premium
Jasper$57
TX$65
United States$81

The cost of coverage in Jasper is about $8 a month cheaper than it is for the rest of Texas.

Similarly, car insurance rates in Jasper are often favorable when viewed against the rest of the country. You can expect to pay about $24 below the national average for auto insurance in Jasper.

These rates may be the average amount Jasper residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Jasper so that you can get a more accurate idea of what your policy will cost you. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$87
25-34$60
35-44$51
45-54$45
55-64$39
65+$47

Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates start to rise again in Jasper.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$52

In general, car insurance rates for women are usually cheaper than they are for men. In Jasper, this difference shakes out to about $11 a month. Looking at the table above, you can see that female drivers pay around $52 on average, while male drivers typically pay $63 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$69
Multiple Accidents$45
1 Ticket$75
Multiple Tickets$48

Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Jasper, drivers with one accident on their record will experience rates around $69 a month. In addition, drivers with one ticket can expect to pay around $75 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$71
2-3 Years$57
4-5 Years$106
6-7 Years$63
8-10 Years$47
11-14 Years$65
15 Years or Older$52

The most affordable vehicles to insure in Jasper are by and large cars, which run about $54 per month.

Truck and van drivers will see rates of about $58 to insure their vehicle, while SUV owners typically pay around $65 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Jasper, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$58
Married$47
Divorced$61
Widowed$57

More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Jasper can be as much as $11 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$58
Live with parents$66

Your housing status is another factor that affects your monthly rate. In Jasper, homeowners can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Jasper, TX

Recent trends in car insurance for Jasper drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The rates for car insurance in Jasper rose from 2017-2018, when they reached a high of $69. This leveled out in 2019, when rates began to decrease. They hit a low of $48 in 2020, and finished down in 2022, at $49 a month.

How does Jasper compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review several factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Amount of drivers in the community
  • Local crime rates
  • Rate of car accidents
  • Community regulations
  • Amount of off-street parking

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Jasper?

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.

Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Jasper.

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Jasper Insurance FAQs

What factors affect car insurance quotes in Jasper?

Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Jasper 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 Jasper?

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 Jasper?

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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Jasper or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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