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How much is car insurance in Mount Pleasant?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Mount Pleasant is about $10 cheaper than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Mount Pleasant. The average monthly payment in Mount Pleasant is about $25 less than the rate for the rest of the United States.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for Mount Pleasant to help you understand what your policy's monthly premium will cost. 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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Mount Pleasant Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up a bit in Mount Pleasant.
Mount Pleasant Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Mount Pleasant, the difference comes out to about $5 per month. Looking at the table above, you can see that female drivers pay around $53 on average, while male drivers typically pay $58 each month.
Mount Pleasant Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Mount Pleasant, a driving record with one accident will usually get you a rate around $73 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $52 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Mount Pleasant Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$26|
|15 Years or Older||$54|
According to the first table above, the cheapest vehicles to insure in Mount Pleasant are typically cars, at $54 per month.
Truck and van drivers will see rates of about $57, while the rates for SUV owners average out to about $59 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Mount Pleasant, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Mount Pleasant Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
On average, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Mount Pleasant are about the same.
Mount Pleasant Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$50|
Your living accommodations is another factor that affects your monthly rate. In Mount Pleasant, homeowners can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 car insurance costs.
Car Insurance Companies in Mount Pleasant, TX
Recent trends in car insurance for Mount Pleasant drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The cost of car insurance coverage in Mount Pleasant went up from 2017-2019, before steadying out in 2020. Policy premiums finished down in 2022, at $47 per month
How does Mount Pleasant compare to neighboring areas?
Why are car insurance rates in Mount Pleasant different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Crime rates
- Road Safety (how many accidents each locality has)
- Total number of drivers in the community
- Access to off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Mount Pleasant?
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.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Mount Pleasant.
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Mount Pleasant Auto Insurance FAQs
What factors affect car insurance quotes in Mount Pleasant?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Mount Pleasant 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 Mount Pleasant?
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 Mount Pleasant?
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 Mount Pleasant 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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