Marshall, TX Car Insurance

Drivers in Marshall pay, on average, $54 a month for their car insurance. For more information refer to our guide below.
How does Marshall compare to the surrounding area and the rest of Texas? What should residents of Marshall expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Marshall?

Area Average Monthly Car Insurance Premium
Marshall$54
TX$64
United States$80

Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in Marshall than it is in the rest of Texas.

Likewise, car insurance rates in Marshall are more affordable than the national average. It's about $26 cheaper to insure your vehicle in Marshall compared to the average rate for the United States as a whole.

While these are the average monthly costs for auto insurance coverage in Marshall, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

Don't worry, we've done the work for you and broken down average rates for Marshall to help you get a more accurate idea of what you'll be charged for your policy. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$94
25-34$53
35-44$51
45-54Not Enough Data
55-64$47
65+$40

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to your monthly premium, that experience can really pay off. As you can see, 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. As you get closer to retirement age, however, you may see your rates creep back up in Marshall.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$55

In general, women pay slightly less for car insurance than men. While this isn't true in Marshall, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$66
1 TicketNot Enough Data
Multiple Tickets$84

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Marshall with a single accident on their record is about $73 a month.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$45
2-3 Years$57
4-5 Years$52
6-7 Years$67
8-10 Years$51
11-14 Years$53
15 Years or Older$55

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Marshall, with drivers paying around $51 per month for insurance.

Car owners will see a monthly bill of about $56, while SUV owners typically pay around $54 per month.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Marshall, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$47
Divorced$50
Widowed$56

Generally speaking, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Marshall is no exception, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$55
Live with parents$131

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Marshall. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The rates for car insurance in Marshall went up from 2016-2017, when they hit a high of $62. This leveled out in 2018, when car insurance rates started to decrease. They reached a low of $51 in 2020, and finished up in 2021, at $55 a month.

How does Marshall compare to neighboring areas?

Why are car insurance rates in Marshall different from other areas?

There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Amount of drivers in the community
  • Availability of off-street parking
  • Area laws
  • Area crime rates
  • Frequency of car accidents

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 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.

Luckily, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies providing plans in Marshall.

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Marshall Insurance FAQs

What factors affect car insurance quotes in Marshall?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Marshall different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Marshall?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Marshall?

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?

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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