Nacogdoches, TX Car Insurance

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

How much is car insurance in Nacogdoches?

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

Car insurance coverage in Nacogdoches is about $9 cheaper than it is in the rest of Texas.

Similarly, car insurance rates in Nacogdoches are more affordable than the national average. The average monthly payment for the U.S. as a whole is about $25 more expensive than in Nacogdoches.

Although these are the average monthly costs for an auto insurance policy in Nacogdoches, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

Don't worry, we've done the work for you and broken down the average rates for Nacogdoches to help you understand what your monthly premium might be. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$76
25-34$55
35-44$47
45-54$46
55-64$44
65+$62

It makes sense that older drivers would have more experience behind the wheel. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $14 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up a bit in Nacogdoches.

Average Car Insurance Rates by Gender

Gender Average
Male$60
Female$53

Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Nacogdoches, where women pay around $7 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $53 each month, while men pay $60 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$86
1 Ticket$65
Multiple Tickets$67

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Nacogdoches, having a single accident on your record will usually get you rates around $73 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $65.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$57
2-3 Years$50
4-5 Years$64
6-7 Years$59
8-10 Years$56
11-14 Years$59
15 Years or Older$54

If you look at the first table above, the cheapest vehicles to insure in Nacogdoches are typically cars, at $56 per month.

Truck and van drivers will see rates of about $58 for auto insurance coverage, while SUV owners by and large pay around $57 a month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. 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
Married$49
Divorced$58
Widowed$53

More often than not, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Nacogdoches is no exception, with the difference totaling to around $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$56
Live with parents$69

Another factor that comes into play is your housing status. 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.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Nacogdoches, TX

Recent trends in car insurance for Nacogdoches drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

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 $48 per month.

How does Nacogdoches compare to neighboring areas?

Why are car insurance rates in Nacogdoches different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Crime rates
  • Total number of drivers in the region
  • Rate of car accidents
  • Laws
  • Off-street parking availability

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Nacogdoches?

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 hold on! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Nacogdoches.

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Nacogdoches 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, driving record, credit score, and marital status.

Why is the cost of car insurance in Nacogdoches different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Nacogdoches?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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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