Jasper, TX Car Insurance

The average monthly cost for car insurance in Jasper is about $56. For information on policy rates, coverage, and more check out our guide below.
What can Jasper residents expect to pay for their car insurance? How do rates in Jasper measure up compared to neighboring areas, including Texas as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Jasper?

Area Average Monthly Car Insurance Premium
Jasper$56
TX$64
United States$80

According to the chart above, the average cost of auto insurance in Texas is about $8 a month more expensive than it is in Jasper.

Likewise, car insurance rates in Jasper are more affordable than the national average. You can expect to pay about $24 less for your policy in Jasper than in the rest of United States.

Bear in mind that while these are the average car insurance rates for Jasper, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down average rates for Jasper 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$85
25-34$60
35-44$51
45-54Not Enough Data
55-64$39
65+$47

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $38 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates creep back up a bit in Jasper.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$52

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Jasper, this difference shakes out to about $11 per month. Based on the chart 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$67
Multiple Accidents$45
1 Ticket$66
Multiple Tickets$51

Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Jasper with a single accident on their record is about $67 a month. In addition, drivers with a single ticket on their record can expect to pay around $66 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

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$46
11-14 Years$65
15 Years or Older$51

According to the first table above, the cheapest vehicles to insure in Jasper are usually cars, at $54 per month.

SUV owners, on the other hand, by and large pay around $65 a month, while truck and van drivers can expect to pay about $56 per month for car insurance.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip 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$46
Divorced$61
Widowed$57

Generally, those who are currently married will pay slightly less to insure their vehicle. 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 Jasper as well, where the difference is around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$57
Live with parents$66

Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $4 a month more than homeowners in Jasper. But if you live with your parents, you can expect to pay a lot more.

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 Jasper, TX

Recent trends in car insurance for Jasper 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.

In Jasper, the rates for auto insurance went up from 2016-2018, when they hit a high of $69. This changed in 2019, when insurance rates started to decrease. They reached a low of $48 in 2020, and finished at $65 in 2021.

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 a number of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Total drivers
  • Road Safety (how many accidents each locality has)
  • Off-street parking access
  • Community regulations
  • Rate of crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Jasper?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Jasper.

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Jasper Insurance FAQs

What factors affect car insurance quotes in Jasper?

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 Jasper different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Jasper 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