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How much is car insurance in Springtown?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Springtown is about $7 a month cheaper than it is for the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Springtown is rather affordable. The average monthly payment for the United States as a whole is about $23 more expensive than in Springtown.
Although these are the average monthly costs for an auto insurance policy in Springtown, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Springtown so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $52 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Springtown drivers may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Springtown, however, both pay the same monthly amount to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Springtown, drivers with one accident on their record will experience rates around $83 a month. Similarly, drivers with one ticket will typically pay around $82 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$59|
As you can see in the first table above, the cheapest vehicles to insure in Springtown are typically trucks and vans, which run about $53 per month.
Car owners will see a monthly bill of about $60, while SUV owners usually pay around $61 per month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Springtown, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Springtown is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Springtown. But if you live with your parents, your rates will be significantly higher.
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 Springtown, TX
Recent trends in car insurance for Springtown 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 rates for car insurance in Springtown went up from from 2017-2018, when they hit a high of $76. This leveled out in 2019, when policy premiums started to decrease. They reached a low of $44 in 2020, and finished down in 2022, at $54.
How does Springtown compare to neighboring areas?
Why are car insurance rates in Springtown different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Area laws
- Amount of drivers in the community
- Amount of off-street parking
- Area crime rates
- Road safety
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Springtown?
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.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Springtown.
Springtown Insurance FAQs
What factors affect car insurance quotes in Springtown?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Springtown 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Springtown?
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 Springtown?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Springtown or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?