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How much is car insurance in Seagoville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Seagoville as it does in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Seagoville is rather affordable. It's around $14 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Seagoville, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for 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 your monthly payment amount.
We've broken down average rates for Seagoville to help you understand what your policy's monthly premium will cost. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates begin to go back up in Seagoville.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Seagoville, where women pay around $4 less per month. Based on the chart above, you can see that female drivers pay around $65 on average, while male drivers typically pay $69 each month.
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 much lower rates than those with accidents or violations. In Seagoville, drivers with one accident on their record will experience rates around $103 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $70 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$58|
In Seagoville, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $64 per month for auto insurance.
Car owners can expect to pay an average of around $69 a month for their policy, while SUVs usually cost around $68 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Seagoville are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Generally speaking, 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.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Seagoville, with married couples paying about $15 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Seagoville. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Seagoville, TX
Recent trends in car insurance for Seagoville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The cost of car insurance in Seagoville increased from 2017-2018, before steadying out in 2019. They rose again, hitting a high of $83 in 2021, and finished down at $50 in 2022.
How does Seagoville compare to neighboring areas?
Why are car insurance rates in Seagoville different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Availability of off-street parking
- Road Safety (total number of local car accidents)
- Number of drivers
- Regional laws
- Local crime rates
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. 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?
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.
Good news! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Seagoville in no time.
Seagoville 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 gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Seagoville different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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?
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 Seagoville?
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, 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.