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How much is car insurance in Mount Pleasant?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $8 a month cheaper to insure your vehicle in Mount Pleasant than it is in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Mount Pleasant is rather affordable. The average monthly payment for the United States as a whole is about $24 more expensive than in Mount Pleasant.
While these are the average costs to insure your vehicle in Mount Pleasant, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Mount Pleasant residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, 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 decrease in your monthly premium. Once you hit retirement age, however, your rates may start to rise again in Mount Pleasant.
Average 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 $6 per month. Based on the chart above, you can see that female drivers pay around $54 on average, while male drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Mount Pleasant, a driving record with a single 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 $57 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$26|
|15 Years or Older||$55|
As you can see in the first table above, the cheapest vehicles to insure in Mount Pleasant are typically cars, which run about $54 per month.
SUVs, trucks, and vans, on the other hand, usually cost about $61 for auto insurance.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Mount Pleasant, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Mount Pleasant.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$48|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Mount Pleasant, expect to pay around $3 a month more than if you own property. Those who live with their parents, however, 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 Mount Pleasant, TX
Recent trends in car insurance for Mount Pleasant 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.
Auto insurance rates in Mount Pleasant rose from 2016-2019, before steadying out in 2020. They finished up in 2021, at $64 a month
How does Mount Pleasant compare to neighboring areas?
Why are car insurance rates in Mount Pleasant different from other areas?
Car insurance companies take in a variety of factors when deciding how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking access
- Total amount of drivers in the area
- Regional laws
- Road safety
- Regional crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Mount Pleasant?
Equipping 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 can handle all of this for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer plans in Mount Pleasant.
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 gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Mount Pleasant different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Mount Pleasant 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.