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How much is car insurance in Seagoville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Seagoville are about the same as what you would pay anywhere else in Texas.
Conversely, car insurance rates in Seagoville are often favorable when viewed against the rest of the country. The average monthly payment for the U.S. as a whole is about $13 more expensive than in Seagoville.
Bear in mind that while these are the average car insurance rates for Seagoville, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Seagoville and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Seagoville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates begin to go back up in Seagoville.
Seagoville Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Seagoville, male drivers pay about $5 more a month. Based on the chart above, you can see that male drivers pay $70 on average, while female drivers typically pay $65 each month.
Seagoville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Seagoville, having a single accident on your record will usually get you rates around $103 a month. Likewise, drivers with one ticket will be looking at a rate of around $72 a month on average.
Seagoville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$58|
In Seagoville, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $63 per month for insurance coverage.
Car owners will see a monthly bill of about $69, while SUV owners by and large pay around $68 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is about 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.
Seagoville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
In Seagoville, the difference in rates based on relationship status can be as much as $17 a month.
Seagoville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Seagoville. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
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.
Car insurance rates in Seagoville rose from 2017-2018, before leveling out in 2019. Insurance rates went up again, reaching a high of $83 in 2021, and finished down at $64 in 2022.
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 a monthly rate, car insurance companies will consider many factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Amount of off-street parking
- Total amount of drivers in the area
- Road Safety (frequency of car accidents)
- Local laws
- Local crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful 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 to request a quote from a car insurance company.
But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Seagoville.
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Seagoville Auto Insurance FAQs
What factors affect car insurance quotes in Seagoville?
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, marital status, and address.
Why is the cost of car insurance in Seagoville 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 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Seagoville 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.
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