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How much is car insurance in Plainview?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Plainview typically costs about $20 a month less than it does in the rest of Texas.
Likewise, car insurance rates in Plainview are often favorable when viewed against the rest of the country. On average, it's about $35 less to insure your vehicle in Plainview than it is in the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Plainview, you could end up paying something different. 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 payment amount.
But worry not, we've done the heavy lifting and broken down the average rate for Plainview to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Find your best rate in just a few minutes
Plainview Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that 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 significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up once you hit retirement age in Plainview.
Plainview Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Plainview is only about $1 per month.
Plainview Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Plainview, having a single accident on your record will usually get you rates around $49 a month. Likewise, drivers with one ticket will be looking at a rate of around $52 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Plainview Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$46|
In Plainview, the cheapest vehicles to insure are usually SUVs, with drivers paying around $43 per month for insurance coverage.
Car owners will see rates of about $46, while truck and van owners typically pay around $45 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Plainview, vehicles six-to-seven years old are the most expensive to insure.
Plainview Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Generally speaking, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Plainview is about $10 a month, with married couples paying less for coverage than single drivers.
Plainview Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$51|
One other element taken into consideration is your housing status. Renters can expect to pay around $7 a month more than homeowners in Plainview. 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 overall costs, depending on your insurance company.
Car Insurance Companies in Plainview, TX
Recent trends in car insurance for Plainview drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of car insurance in Plainview rose from 2017-2018, before steadying out in 2019. They had been increasing again, hitting a high of $54 in 2021, and finished down at $44 in 2022.
How does Plainview compare to neighboring areas?
Why are car insurance rates in Plainview different from other areas?
Car insurance companies will take into account several factors when deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Prevalence of crime
- Off-street parking availability
- Amount of drivers in the region
- Road Safety (total number of local car accidents)
- Regional laws
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. 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 Plainview?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Plainview.
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Plainview Auto Insurance FAQs
What factors affect car insurance quotes in Plainview?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Plainview different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Plainview?
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 Plainview?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Plainview or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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