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How much is car insurance in Quinlan?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Quinlan are about $13 a month cheaper than in the rest of Texas.
Similarly, the expected monthly payments for an auto insurance policy in Quinlan are below the national average. The average monthly payment for the U.S. as a whole is about $29 more expensive than in Quinlan.
While these are the average car insurance rates for Quinlan, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Quinlan so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $34 more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates creep back up a bit in Quinlan.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. Male and female drivers in Quinlan, however, both pay the same monthly amount to insure their vehicle.
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 with clean records will pay lower rates than those with accidents or violations. Drivers in Quinlan with a single accident will pay around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $58 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$95|
|15 Years or Older||$47|
The most affordable vehicles to insure in Quinlan are by and large trucks and vans, which run about $48 per month.
Car owners, on the other hand, typically pay around $54 a month, while SUV drivers can expect to pay about $55 per month for insurance coverage.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. The most expensive vehicles to insure in Quinlan are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Quinlan is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
One other element taken into consideration is your housing status. In Quinlan, homeowners can expect to pay around $3 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Quinlan, TX
Recent trends in car insurance for Quinlan drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Quinlan, the rates for auto insurance decreased from 2017-2019, before leveling out in 2020. Policy premiums finished down in 2022, at $47 a month
How does Quinlan compare to neighboring areas?
Why are car insurance rates in Quinlan different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking availability
- Road safety
- Prevalence of crime
- Number of drivers in the region
- Community laws
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 towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Quinlan?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Quinlan.
Quinlan Insurance FAQs
What factors affect car insurance quotes in Quinlan?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Quinlan different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Quinlan?
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 Quinlan?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Quinlan or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.