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How much is car insurance in Marshall?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Marshall is about $10 a month cheaper than it is for the rest of Texas.
Similarly, when compared to the national average, the cost for auto insurance in Marshall is lower. You can expect to pay about $25 below the national average for auto insurance in Marshall.
Keep in mind that these are the average auto insurance rates for Marshall, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Marshall and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Marshall Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Marshall.
Marshall Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Marshall, however, men actually pay a bit less than female drivers to insure their vehicle.
Marshall Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Marshall, drivers with one accident on their record will experience rates around $73 a month. Likewise, drivers with one ticket will be looking at a rate of around $58 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Marshall Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$52|
According to the first table above, the cheapest vehicles to insure in Marshall are typically trucks and vans, at $48 per month.
Car owners will see a monthly premium of about $57, while SUV owners usually pay around $59 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Marshall are vehicles six-to-seven years old.
Marshall Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
The cost of auto insurance in Marshall reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Marshall Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
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 $4 a month more than homeowners in Marshall. 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 overall costs.
Car Insurance Companies in Marshall, TX
Recent trends in car insurance for Marshall 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.
The rates for auto insurance in Marshall had been decreasing from 2017-2020, before leveling out in 2021. They finished down in 2022, at $53 per month
How does Marshall compare to neighboring areas?
Why are car insurance rates in Marshall different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Number of drivers in the region
- Road safety
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge 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 Marshall?
While getting familiar with 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 Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Marshall.
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Marshall Auto Insurance FAQs
What factors affect car insurance quotes in Marshall?
Car insurance companies calculate quotes based on a wide array of factors. These 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 Marshall 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Marshall?
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 Marshall?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Marshall or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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