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How much is car insurance in Midlothian?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Midlothian are about the same as what you would pay anywhere else in Texas.
On the other hand, car insurance rates in Midlothian are more affordable than the national average. Auto insurance coverage in Midlothian is about $13 cheaper than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Midlothian, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Midlothian residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average 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 more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 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. You may see your rates begin to increase again once you hit retirement in Midlothian.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This rings true in Midlothian, where women pay around $6 less per month than men. Based on the chart above, you can see that male drivers pay $71 on average, while female drivers typically pay $65 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay much less than those with infractions. The rate for drivers in Midlothian with a single accident on their record is about $76 a month. Likewise, drivers with one ticket will be looking at a rate of around $84 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$64|
If you look at the first table above, the cheapest vehicles to insure in Midlothian are by and large SUVs, at $57 per month.
Car owners can expect to pay an average of around $74 a month for their policy, while truck and van drivers are usually around $63 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Midlothian, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
On average, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Midlothian, the difference in rates based on relationship status can be as much as $29 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Midlothian. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Midlothian, TX
Recent trends in car insurance for Midlothian drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Midlothian rose from 2017-2019, before leveling out in 2020. Policy premiums finished down in 2022, at $55 a month
How does Midlothian compare to neighboring areas?
Why are car insurance rates in Midlothian different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Local laws
- Number of car accidents
- Crime levels
- Total number of drivers in the community
- Off-street parking access
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. 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 Midlothian?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Midlothian.
Midlothian Insurance FAQs
What factors affect car insurance quotes in Midlothian?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Midlothian 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 Midlothian?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Midlothian?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Midlothian 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.