Palestine, TX Car Insurance

Palestine drivers pay, on average, around $54 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates should residents of Palestine expect to pay for their car insurance? Compared to their surrounding area, how do rates in Palestine stack up? What about against 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 Palestine?

Area Average Monthly Car Insurance Premium
Palestine$54
TX$65
United States$81

The cost of coverage in Palestine is about $11 a month cheaper than it is for the rest of Texas.

Similarly, the expected monthly payments for an auto insurance policy in Palestine are below the national average. It's around $27 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these numbers represent the average monthly payments for coverage in Palestine, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car 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 the bill you'll see each month.

We've analyzed the average rate for Palestine and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$47
35-44$49
45-54$43
55-64$37
65+$44

Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Palestine.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$50

Male drivers pay, on average. slightly more than female drivers for auto insurance. This rings true in Palestine, where women pay around $9 less per month than men. As you can see in the table above, male drivers in the area typically pay $59 on average, while female drivers typically pay $50 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$77
Multiple Accidents$41
1 Ticket$46
Multiple Tickets$52

Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Palestine, a driving record with a single accident will usually get you a rate around $77 a month. In addition, drivers with a single ticket on their record can expect to pay around $46 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$157
2-3 Years$41
4-5 Years$43
6-7 Years$47
8-10 Years$57
11-14 Years$53
15 Years or Older$52

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Palestine, with drivers paying around $45 per month for auto insurance coverage.

Car owners, on the other hand, usually pay around $60 a month, while truck and van drivers can expect to pay about $51 per month for car insurance coverage.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Palestine, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$42
Divorced$62
Widowed$34

Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Palestine follows that pattern, with the difference totaling to around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$54
Live with parents$96

Another factor taken into consideration is your living situation. Renters can expect to pay around $12 a month more than those who own their own home in Palestine. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Palestine, TX

Recent trends in car insurance for Palestine drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

The cost of insurance in Palestine had been increasing from 2017-2018, where it reached a high of $56, before leveling out in 2019. Policy premiums went up again in 2020, and finished down at $41 in 2022.

How does Palestine compare to neighboring areas?

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

Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Crime
  • Off-street parking availability
  • Number of drivers in the area
  • Road safety
  • Laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Palestine?

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 does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Palestine.

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Palestine Insurance FAQs

What factors affect car insurance quotes in Palestine?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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 crime rates, parking situations, 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 however, by using sites like Compare.com to compare multiple quotes at once.

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

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 Palestine 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?

Find your best rate in just a few minutes