Table of contents
How much is car insurance in Livingston?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Livingston is about $12 cheaper than it is in the rest of Texas.
Likewise, car insurance rates in Livingston are often favorable when viewed against the rest of the country. It's about $28 cheaper to insure your vehicle in Livingston compared to the average rate for the United States as a whole.
While these numbers represent the average monthly payments for coverage in Livingston, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down average rates for Livingston to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $38 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Livingston drivers may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Livingston, this difference shakes out to about $9 per month. Based on the chart above, you can see that female drivers pay around $48 on average, while male drivers typically pay $57 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Livingston, having a single accident on your record will usually get you rates around $66 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$44|
According to the first table above, the cheapest vehicles to insure in Livingston are by and large SUVs, at $49 per month.
Truck and van drivers will see rates of about $50, while the rates for car owners average out to about $53 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. 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 Livingston, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
On average, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Livingston can be as much as $13 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Another factor that comes into play is your living situation. If you rent your home or apartment in Livingston, expect to pay around $6 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Livingston, TX
Recent trends in car insurance for Livingston 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 Livingston, the rates for auto insurance had been decreasing from 2016-2017, before steadying out in 2018. Insurance rates finished down in 2021, at $47 per month
How does Livingston compare to neighboring areas?
Why are car insurance rates in Livingston different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Local laws
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
- Local crime rates
- Number of drivers
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. Knowing 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 Livingston?
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 hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Livingston.
Livingston Insurance FAQs
What factors affect car insurance quotes in Livingston?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Livingston different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Livingston?
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 Livingston?
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 Livingston 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?