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How much is car insurance in Longview?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Longview are about $9 a month cheaper than in the rest of Texas.
Compared to the national average cost of auto insurance coverage, Longview has lower rates. The average monthly payment in Longview is about $25 cheaper than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Longview, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Longview residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Longview.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The price for car insurance in Longview, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Longview, a driving record with a single accident will usually get you a rate around $73 a month. Similarly, drivers with one ticket will typically pay around $74 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$53|
In Longview, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $51 per month for insurance coverage.
Car owners can expect to pay an average of around $58 a month for their policy, while SUVs usually cost around $53 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. 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 monthly premium decrease. In Longview, 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)||$59|
Generally, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Longview is no exception, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $10 a month more than homeowners in Longview. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Longview, TX
Recent trends in car insurance for Longview drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
Car insurance rates in Longview went up from 2017-2018 -- where they reached a high of $60 -- before leveling out in 2019. Rates rose again in 2020, and finished down at $48 in 2022.
How does Longview compare to neighboring areas?
Why are car insurance rates in Longview different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Amount of drivers in the community
- Local regulations
- Availability of off-street parking
- General road safety (how many accidents each locality has)
- Local crime rates
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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Longview?
Equipping 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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Longview.
Longview Insurance FAQs
What factors affect car insurance quotes in Longview?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Longview 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Longview?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Longview?
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 Longview or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?