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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 on par with what you would pay anywhere else in Texas.
Drivers relocating from out of state may enjoy some cost savings in Midlothian. It's about $13 cheaper than the national average to insure your vehicle in Midlothian.
Bear in mind that while these are the average car insurance rates for Midlothian, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Midlothian residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Midlothian.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Midlothian is about $6 a month. As illustrated in the table above, male drivers in the area pay about $70 on average, while female drivers pay around $64 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Midlothian, having a single accident on your record will usually get you rates around $76 a month. Likewise, drivers with one ticket will be looking at a rate of around $86 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$64|
The cheapest vehicles to insure in Midlothian are typically SUVs, with each type typically costing about $57 per month.
Car owners can expect to pay an average of around $72 a month for their policy, while truck and van drivers are usually around $62 to insure each month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Midlothian are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally, 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 difference in rates based on relationship status in Midlothian can be as much as $29 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Midlothian, expect to pay around $11 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
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.
In Midlothian, car insurance rates went up from 2016-2019, before leveling out in 2020. Rates finished up in 2021, at $91 per month
How does Midlothian compare to neighboring areas?
Why are car insurance rates in Midlothian different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Area regulations
- Number of car accidents
- Crime levels
- Off-street parking accessibility
- Number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Midlothian?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Midlothian in no time.
Midlothian Insurance FAQs
What factors affect car insurance quotes in Midlothian?
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Midlothian different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
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?
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 Midlothian 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.