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How much is car insurance in Nacogdoches?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Nacogdoches is about $8 cheaper than it is in the rest of Texas.
Likewise, car insurance rates in Nacogdoches are often favorable when viewed against the rest of the country. It's around $24 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average car insurance rates in Nacogdoches, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Nacogdoches to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, 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|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $17 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to increase again in Nacogdoches.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Nacogdoches, where male drivers pay about $7 more per month. As illustrated in the table above, male drivers in the area pay about $60 on average, while female drivers pay around $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Nacogdoches, a driving record with a single accident will usually get you a rate around $72 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $88.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$52|
If you look at the first table above, you'll see that SUVs and cars are usually the cheapest vehicles to insure in Nacogdoches, with drivers paying around $56 per month for auto insurance coverage.
SUV owners, on the other hand, by and large pay around $56 a month, while truck and van drivers can expect to pay about $57 per month for car insurance.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Nacogdoches, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
On average, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Nacogdoches is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Another factor that comes into play is your housing situation. Renters can expect to pay around $5 a month more than homeowners in Nacogdoches. But those who live at home with their parents can expect to pay significantly 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
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Nacogdoches, auto insurance rates have been mixed over the past few years. They rose in 2016, dropped in 2018, and increased again in 2020, before finishing at $68 in 2021.
How does Nacogdoches compare to neighboring areas?
Why are car insurance rates in Nacogdoches different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Road Safety (frequency of car accidents)
- Total amount of drivers in the community
- Crime levels
- Off-street parking availability
- Regional laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Nacogdoches?
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 punch in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Nacogdoches.
Nacogdoches Insurance FAQs
What factors affect car insurance quotes in Nacogdoches?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Nacogdoches different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 Nacogdoches?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Nacogdoches?
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. 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?