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How much is car insurance in Jasper?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Jasper is about $8 cheaper than it is in the rest of Texas.
Compared to the rest of the country, auto insurance in Jasper is more affordable. You can expect to pay about $23 below the national average for auto insurance in Jasper.
Bear in mind that while these are the average car insurance rates for Jasper, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Jasper and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Jasper Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates start to rise again in Jasper.
Jasper Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Jasper totals about $11 per month. As illustrated in the table above, female drivers in the area pay about $52 on average, while male drivers pay around $63 each month.
Jasper 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 less than those with infractions. In Jasper, a driving record with a single accident will usually get you a rate around $69 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $75.
Jasper Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$53|
As you can see in the first table above, the cheapest vehicles to insure in Jasper are usually cars, which run about $54 per month.
SUV owners will see rates of about $61, while truck and van owners typically pay around $59 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Jasper, the most expensive vehicles to insure are vehicles four-to-five years old.
Jasper Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Overall, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Jasper is no exception, with the difference totaling to around $10 a month.
Jasper Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
One other element taken into consideration is your housing situation. Renters can expect to pay around $3 a month more than those who own their own home in Jasper. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Jasper, TX
Recent trends in car insurance for Jasper drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Jasper, car insurance rates rose from 2017-2018, when they hit a high of $69. This shifted in 2019, when insurance rates started to decrease. They reached a low of $48 in 2020, and finished down in 2022, at $53 per month.
How does Jasper compare to neighboring areas?
Why are car insurance rates in Jasper different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers in the community
- Community laws
- Off-street parking accessibility
- Road Safety (how many accidents each locality has)
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Jasper?
Arming 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.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Jasper.
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Jasper Auto 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 you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Jasper different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Jasper?
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 by using 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 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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Jasper or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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