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How much is car insurance in Longview?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Longview typically costs about $10 a month less than it does in the rest of Texas.
Compared to the rest of the country, auto insurance in Longview is more affordable. The average monthly payment for the United States as a whole is about $25 more expensive than in Longview.
While these are the average costs to insure your vehicle in Longview, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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 even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Longview so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Longview Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Longview.
Longview Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Longview is only about $3 per month.
Longview Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Longview with one accident will pay around $73 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $73.
Longview Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$53|
According to the first table above, the cheapest vehicles to insure in Longview are by and large trucks and vans, at $50 per month.
SUV drivers will see rates of about $52, while the rates for car owners average out to about $58 a month.
Depending on the age of your vehicle, 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 close to 5 years old, you might start to see your rates slide back down slightly. In Longview, vehicles four-to-five years old are the most expensive to insure.
Longview Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Overall, people who are married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Longview as well, where the difference is around $13 a month.
Longview Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor taken into consideration is your living situation. Homeowners in Longview can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Longview, TX
Recent trends in car insurance for Longview drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
The rates for auto insurance in Longview went up from 2017-2018, where they hit a high of $60, before steadying out in 2019. Car insurance rates increased again in 2020, and finished down at $50 in 2022.
How does Longview compare to neighboring areas?
Why are car insurance rates in Longview different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Regional regulations
- Rate of crime
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
- 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. 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 Longview?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Longview.
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Longview Auto Insurance FAQs
What factors affect car insurance quotes in Longview?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Longview different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Longview?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Longview?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Longview 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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