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How much is car insurance in Seagoville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Seagoville is in line with pricing for the rest of Texas.
On the flip side, when compared to the national average, the cost for auto insurance in Seagoville is lower. You can expect to pay about $13 less for your policy in Seagoville than in the rest of U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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 broken down the average rates for Seagoville to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $62 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Seagoville.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Seagoville, this difference shakes out to about $7 a month. As illustrated in the table above, male drivers in the area pay about $71 on average, while female drivers pay around $64 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay less than those with accidents or violations. In Seagoville, a driving record with a single accident will usually get you a rate around $110 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 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||$54|
|15 Years or Older||$58|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Seagoville, with drivers paying around $65 per month for insurance coverage.
Cars and SUVs, on the other hand, cost about the same to insure, around $68 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Seagoville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Seagoville follows that pattern, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Another factor taken into consideration is your housing situation. Homeowners and renters alike can expect to pay about $59 per month for coverage in Seagoville.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Seagoville, TX
Recent trends in car insurance for Seagoville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Seagoville, the rates for car insurance increased from 2016-2018 -- where they reached a high of $76-- before leveling out in 2019. Insurance rates had been increasing once again in 2020, and have continued rising through 2021, where they finished at $118 per month.
How does Seagoville compare to neighboring areas?
Why are car insurance rates in Seagoville different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Road safety
- Regional crime rates
- Number of drivers
- Off-street parking access
- Community laws
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Seagoville?
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 wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Seagoville.
Seagoville Insurance FAQs
What factors affect car insurance quotes in Seagoville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Seagoville different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Seagoville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Seagoville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Seagoville 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.