Table of contents
How much is car insurance in Springtown?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Springtown typically costs about $6 a month less than it does in the rest of Texas.
Compared to the rest of the country, auto insurance in Springtown is more affordable. You can expect to pay about $22 less for your policy in Springtown than in the rest of U.S.
While these numbers represent the average monthly payments for coverage in Springtown, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
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 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|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates climb back up a bit in Springtown.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Springtown is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Springtown with a single accident will pay around $86 a month. Likewise, drivers with one ticket will be looking at a rate of around $99 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. 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||$56|
|15 Years or Older||$60|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Springtown, with drivers paying around $55 per month for auto insurance.
Car owners, on the other hand, by and large pay around $59 per month, while SUV drivers can expect to pay about $60 a month to insure their vehicle.
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. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Springtown, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
On average, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Springtown is about $11 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $7 a month more than those who own their own home in Springtown. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Springtown went up from 2016-2018, when they reached a high of $76. This leveled out in 2019, when rates began to decrease. They hit a low of $44 in 2020, and finished up in 2021, at $62 per month.
How does Springtown compare to neighboring areas?
Why are car insurance rates in Springtown different from other areas?
Car insurance companies will take into account a number of factors when they're deciding how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Total amount of drivers in the community
- Number of car accidents
- Rate of crime
- Amount of off-street parking
- Regional laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Springtown?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Springtown.
Springtown Insurance FAQs
What factors affect car insurance quotes in Springtown?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Springtown different from other neighboring cities?
Things like crime rates, local laws, 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 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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Springtown?
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. 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?