Palestine, TX Car Insurance

What can Palestine residents expect to pay for their car insurance? How do rates in Palestine measure up compared to neighboring areas, including Texas as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Palestine?

Looking at the chart above, you can see it's around $11 a month cheaper to insure your vehicle in Palestine than it is in the rest of Texas.

If you're thinking of moving to Palestine from out of state, you may still be in luck. Auto insurance coverage in Palestine is about $26 cheaper than it is for the rest of the United States.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies assess when determining 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 taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rate for Palestine residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Palestine Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates creep back up in Palestine.

Palestine Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. In Palestine, the difference is around $12 per month. As illustrated in the table above, male drivers in the area pay about $61 on average, while female drivers pay around $49 each month.

Palestine Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Palestine with one accident will pay around $76 a month. Similarly, drivers with one ticket will typically pay around $46 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Palestine Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Palestine are by and large SUVs, at $44 per month.

Truck and van drivers will see rates of about $54, while the rates for car owners average out to about $58 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. 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 rates drop back down a bit. In Palestine, the most expensive vehicles to insure are vehicles less than one year old.

Palestine Car Insurance Rates by Relationship Status

More often than not, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Palestine can be as much as $9 a month, so it's worth keeping that in mind.

Palestine Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $10 a month more than drivers who own property in Palestine. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Palestine, TX

Recent trends in car insurance for Palestine drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Palestine, the rates for auto insurance went up from 2017-2018 -- where they hit a high of $56 -- before steadying out in 2019. Car insurance rates had been increasing again in 2020, and finished down at $50 in 2022.

How does Palestine compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

• Area crime rates
• Amount of drivers
• Road safety
• Community regulations
• Off-street parking accessibility

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Palestine?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Palestine.

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Palestine Auto Insurance FAQs

What factors affect car insurance quotes in Palestine?

Car insurance companies calculate quotes based on a wide array of factors. These 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, marital status, and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Palestine?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Palestine?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Palestine or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?