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How much is car insurance in Mansfield?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $4 a month more expensive to insure your vehicle in Mansfield than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Mansfield. The average monthly payment in Mansfield is about $11 cheaper than the rate for the rest of the United States.
These may be the average auto insurance rates for Mansfield, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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.
Don't sweat it however, we've broken down the average rate for Mansfield residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Mansfield Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Mansfield.
Mansfield Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Mansfield is about $8 per month. As you can see in the table above, male drivers in the area typically pay $73 on average, while female drivers typically pay $65 each month.
Mansfield Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Mansfield, a driving record with a single accident will usually get you a rate around $79 a month. In addition, drivers with a single ticket on their record can expect to pay around $84 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Mansfield Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$60|
According to the first table above, the cheapest vehicles to insure in Mansfield are typically SUVs, at $61 per month.
Truck and van drivers will see rates of about $68 for auto insurance, while car owners usually pay around $72 a month.
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 around 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Mansfield are vehicles six-to-seven years old.
Mansfield Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The cost of auto insurance in Mansfield reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.
Mansfield Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$109|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Mansfield. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance 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 when selecting an auto insurance policy.
In Mansfield, auto insurance rates increased from 2017-2018, before steadying out in 2019. Rates went up again, hitting a high of $88 in 2021, and finished down at $59 in 2022.
How does Mansfield compare to neighboring areas?
Why are car insurance rates in Mansfield different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Number of drivers in the community
- General road safety (how many accidents each locality has)
- Access to off-street parking
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 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.
But wait! Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Mansfield in no time.
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Mansfield Auto Insurance FAQs
What factors affect car insurance quotes in Mansfield?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Mansfield different from other neighboring cities?
Things like crime rates, parking situations, 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 Mansfield?
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 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?
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