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How much is car insurance in Levelland?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Texas is about $18 a month more expensive than it is in Levelland.
Compared to the national average cost of auto insurance coverage, Levelland has lower rates. The average monthly payment in Levelland is about $34 cheaper than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Levelland, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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 payment amount.
Don't sweat it however, we've broken down average rates for Levelland residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to increase again in Levelland.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Levelland, where male drivers pay about $7 more a month. As you can see in the chart above, car insurance for women in the area typically costs around $44 each month, while men pay $51 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Levelland, a driving record with one accident will usually get you a rate around $63 a month. Likewise, drivers with one ticket will be looking at a rate of around $59 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$43|
|15 Years or Older||$39|
In terms of affordable coverage, the cheapest vehicles to insure in Levelland are typically SUVs, at $45 per month.
Truck and van drivers will see rates of about $47 for car insurance, while car owners usually pay around $48 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Levelland are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$47|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Levelland.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your housing status. Renters can expect to pay around $8 a month more than drivers who own property in Levelland. But those who live at home with their parents can expect to pay significantly 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 Levelland, TX
Recent trends in car insurance for Levelland 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.
The cost of car insurance coverage in Levelland rose from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $48 a month
How does Levelland compare to neighboring areas?
Why are car insurance rates in Levelland different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area laws
- Crime levels
- Road safety
- Off-street parking access
- Number of drivers
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Levelland?
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.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Levelland.
Levelland Insurance FAQs
What factors affect car insurance quotes in Levelland?
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, address, and marital status.
Why is the cost of car insurance in Levelland different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Levelland?
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 Levelland?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. 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 Levelland or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?