Table of contents
How much is car insurance in Mansfield?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Mansfield is in line with pricing for the rest of Texas.
On the other hand, car insurance rates in Mansfield are more affordable than the national average. On average, it's about $13 less to insure your vehicle in Mansfield than it is in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Mansfield, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Mansfield so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, 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|
The older you are, the more experience you're likely to have behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may start to rise again in Mansfield.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Mansfield, male drivers pay about $6 more a month. As you can see in the table above, male drivers in the area typically pay $70 on average, while female drivers typically pay $64 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Mansfield, a driving record with a single accident will usually get you a rate around $77 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $149.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$61|
In Mansfield, the cheapest vehicles to insure are typically SUVs, with drivers paying around $61 per month for insurance.
Meanwhile, Mansfield drivers who own a car, truck, or van, can expect to pay about $68 for auto insurance coverage.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Mansfield, 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)||$75|
Generally, those who are currently married will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Mansfield is about $21 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
Another factor that comes into play is your housing situation. In Mansfield, homeowners can expect to pay around $14 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Mansfield, TX
Recent trends in car insurance for Mansfield drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Auto insurance rates in Mansfield had been increasing from 2016-2018, before leveling out in 2019. They finished down in 2021, at $65 per month
How does Mansfield compare to neighboring areas?
Why are car insurance rates in Mansfield different from other areas?
Car insurance companies will take into account a variety of factors when they're deciding how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Amount of drivers
- Rate of car accidents
- Off-street parking availability
- Area 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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Mansfield?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Mansfield.
Mansfield Insurance FAQs
What factors affect car insurance quotes in Mansfield?
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 Mansfield different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Mansfield?
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 Mansfield?
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. 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 Mansfield 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?