Marshall, TX Car Insurance

The average monthly cost for car insurance in Marshall is about $55. We cover plan rates, policies and more in our guide below.
Compared to their surrounding area, how do rates in Marshall stack up? What about against the rest of Texas? What rates should residents of Marshall expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Marshall?

Area Average Monthly Car Insurance Premium
Marshall$55
TX$65
United States$81

Auto insurance coverage in Marshall is about $10 cheaper than it is in the rest of Texas.

Compared to the rest of the country, auto insurance in Marshall is more affordable. On average, it's about $26 less to insure your vehicle in Marshall than it is in the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Marshall, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

But don't worry, we've broken down the average rate for Marshall residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$59
35-44$51
45-54$49
55-64$46
65+$40

It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates begin to go back up in Marshall.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$55

On average, female drivers pay slightly less for car insurance than their male counterparts. Male and female drivers in Marshall, however, both pay the same monthly amount for auto insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$81
1 Ticket$58
Multiple Tickets$93

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. In Marshall, drivers with one accident on their record will experience rates around $66 a month. Likewise, drivers with one ticket will be looking at a rate of around $58 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$57
4-5 Years$52
6-7 Years$66
8-10 Years$57
11-14 Years$52
15 Years or Older$54

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Marshall, with drivers paying around $49 per month for insurance.

Car owners, on the other hand, by and large pay around $58 a month, while SUV drivers can expect to pay about $53 per month for auto insurance coverage.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Marshall are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$58
Married$45
Divorced$50
Widowed$55

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Marshall follows that pattern, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$54
Live with parents$131

Another factor taken into consideration is your housing situation. In Marshall, homeowners can expect to pay around $3 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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 Marshall, TX

Recent trends in car insurance for Marshall drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

Car insurance rates in Marshall had been decreasing from 2017-2020, before leveling out in 2021. They finished down in 2022, at $37 a month

How does Marshall compare to neighboring areas?

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

Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Road Safety (how many accidents each locality has)
  • Local crime rates
  • Off-street parking access
  • Number of drivers
  • Laws

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. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Marshall?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Marshall.

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Marshall Insurance FAQs

What factors affect car insurance quotes in Marshall?

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 make and model, year, driving record, credit score, as well as your 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?

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 Marshall?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Marshall or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes