Mount Pleasant, TX Car Insurance

The average cost for car insurance in Mount Pleasant is about $56 a month. We cover plan rates, policies and more in our guide below.
What can Mount Pleasant residents expect to pay for their car insurance? Are rates in Mount Pleasant higher or lower than those in neighboring areas? How do they compare to the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Mount Pleasant?

Area Average Monthly Car Insurance Premium
Mount Pleasant$56
TX$65
United States$81

Based on the above chart, auto insurance policies in Mount Pleasant are about $9 a month cheaper than in the rest of Texas.

Similarly, when compared to the national average, the cost for auto insurance in Mount Pleasant is lower. It's around $25 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these numbers represent the average monthly payments for coverage in Mount Pleasant, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

But don't worry, we've broken down the average rates for Mount Pleasant residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP 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$75
35-44$56
45-54$46
55-64$35
65+$64

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may climb back up a bit in Mount Pleasant.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$54

Female drivers pay, on average, slightly less than their male counterparts. In Mount Pleasant, the difference comes out to about $5 a month. As you can see in the table above, male drivers in the area typically pay $59 on average, while female drivers typically pay $54 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$87
1 Ticket$52
Multiple Tickets$188

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Mount Pleasant with a single accident on their record is about $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.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$26
2-3 Years$60
4-5 Years$48
6-7 Years$57
8-10 Years$48
11-14 Years$64
15 Years or Older$55

In terms of affordable coverage, the cheapest vehicles to insure in Mount Pleasant are usually cars, at $54 per month.

SUV owners, on the other hand, by and large pay around $60 per month, while truck and van drivers can expect to pay about $58 a month for auto insurance.

You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. The most expensive vehicles to insure in Mount Pleasant are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$57
Divorced$49
Widowed$38

Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

As you can see in the table above, married couples pay about the same rate as single drivers in Mount Pleasant.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$56
Live with parents$48

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Mount Pleasant. 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 car insurance premiums.

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 deciding when and where to shop.

The rates for auto insurance in Mount Pleasant increased from 2017-2019, before leveling out in 2020. They finished down in 2022, at $56 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 a monthly rate, car insurance companies will consider a lot of factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Amount of off-street parking
  • Amount of drivers
  • Rate of crime
  • General road safety (how many accidents each locality has)
  • 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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Mount Pleasant?

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.

But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Mount Pleasant.

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Mount Pleasant Insurance FAQs

What factors affect car insurance quotes in Mount Pleasant?

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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Mount Pleasant 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, local laws, 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 Mount Pleasant?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Mount Pleasant?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Mount Pleasant or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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