Mineral Wells, TX Car Insurance

Drivers in Mineral Wells pay around $47 a month for their car insurance. To learn more about car insurance rates in the Mineral Wells area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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What rates should residents of Mineral Wells expect to pay for their car insurance? Are rates in Mineral Wells higher or lower than those in neighboring areas? How do they compare to the rest of Texas? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Mineral Wells?

Area Average Monthly Car Insurance Premium
Mineral Wells$47
TX$65
United States$81

Auto insurance coverage in Mineral Wells is about $18 cheaper than it is in the rest of Texas.

Likewise, when compared to the national average, the cost for auto insurance in Mineral Wells is lower. It's about $34 cheaper to insure your vehicle in Mineral Wells compared to the average rate for the United States as a whole.

Bear in mind that while these are the average car insurance rates for Mineral Wells, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've done the heavy lifting for you and broken down the average rate for Mineral Wells so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$71
25-34$49
35-44$43
45-54Not Enough Data
55-64$35
65+$40

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up in Mineral Wells.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$47

On average, female drivers pay slightly less for car insurance than their male counterparts. The price for insurance coverage in Mineral Wells, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$58
Multiple Accidents$70
1 Ticket$53
Multiple Tickets$51

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Mineral Wells, having a single accident on your record will usually get you rates around $58 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $53.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$33
2-3 Years$40
4-5 Years$47
6-7 Years$43
8-10 Years$53
11-14 Years$52
15 Years or Older$44

If you look at the first table above, you'll see that SUVs, trucks, and vans are typically the cheapest vehicles to insure in Mineral Wells, with drivers paying around $47 per month for auto insurance.

On the other hand, car owners, can expect to pay about $48 per month for auto insurance coverage.

Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Mineral Wells, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$47
Divorced$45
Widowed$32

More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

While married drivers normally pay less for auto insurance than single drivers, Mineral Wells bucks this trend as both groups pay around the same rate for coverage.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$48
Live with parents$66

Your living situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Mineral Wells can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Mineral Wells, TX

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

Car insurance rates in Mineral Wells rose from 2017-2018, before steadying out in 2019. Rates went up again, hitting a high of $57 in 2021, and finished down at $35 in 2022.

How does Mineral Wells compare to neighboring areas?

Why are car insurance rates in Mineral Wells 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 your home address. These include things like:

  • Prevalence of crime
  • Frequency of car accidents
  • Access to off-street parking
  • Total number of drivers in the region
  • Regional regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 Mineral Wells?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Mineral Wells in no time.


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Mineral Wells Insurance FAQs

What factors affect car insurance quotes in Mineral Wells?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Mineral Wells 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

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 Mineral Wells?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?

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 Mineral Wells 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.

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