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How much is car insurance in Nacogdoches?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Nacogdoches is about $8 cheaper than it is in the rest of Texas.
Similarly, car insurance rates in Nacogdoches are often favorable when viewed against the rest of the country. It's around $23 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for Nacogdoches residents, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Nacogdoches and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Nacogdoches Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $19 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Nacogdoches may see their rates creep back up a bit once they hit retirement.
Nacogdoches Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in average rates in Nacogdoches totals about $7 a month. Based on the chart above, you can see that female drivers pay around $54 on average, while male drivers typically pay $61 each month.
Nacogdoches Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Nacogdoches, having a single accident on your record will usually get you rates around $73 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $65 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Nacogdoches Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$55|
If you look at the first table above, the cheapest vehicles to insure in Nacogdoches are usually cars, at $56 per month.
Truck and van drivers will see rates of about $60 for insurance coverage, while SUV owners typically pay around $57 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Nacogdoches are vehicles four-to-five years old.
Nacogdoches Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
More often than not, 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 many companies offer special discounts for.
The difference in rates based on relationship status in Nacogdoches is about $10 a month, with married couples paying less for coverage than single drivers.
Nacogdoches Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Another factor that comes into play is your housing status. Drivers who own property in Nacogdoches can expect to pay around $5 a month less than those who rent. But if you live with your parents, you 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 Nacogdoches, TX
Recent trends in car insurance for Nacogdoches 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.
In Nacogdoches, the rates for auto insurance went up from 2017-2019, when they reached a low of $46. This shifted in 2020, when policy premiums began to increase. They hit a high of $62 in 2021, and finished down in 2022, at $58 a month.
How does Nacogdoches compare to neighboring areas?
Why are car insurance rates in Nacogdoches different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Amount of off-street parking
- Local crime rates
- Amount of drivers in the region
- Rate of car accidents
- Regional regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Nacogdoches?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Nacogdoches.
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Nacogdoches Auto Insurance FAQs
What factors affect car insurance quotes in Nacogdoches?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Nacogdoches different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Nacogdoches?
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 Nacogdoches?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Nacogdoches or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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