Sulphur Springs, TX Car Insurance

Drivers in Sulphur Springs pay around $47 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How do rates in Sulphur Springs measure up compared to neighboring areas, including Texas as a whole? What can Sulphur Springs residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Sulphur Springs?

Area Average Monthly Car Insurance Premium
Sulphur Springs$47
TX$65
United States$81

Based on the chart above, you can see that coverage in Sulphur Springs typically costs about $18 a month less than it does in the rest of Texas.

Similarly, car insurance rates in Sulphur Springs are more affordable than the national average. Car insurance rates for the U.S. as a whole are, on average, $34 more expensive than the rates you'd pay in Sulphur Springs.

While these numbers represent the average monthly payments for coverage in Sulphur Springs, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rates for Sulphur Springs residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$71
25-34$54
35-44$45
45-54$30
55-64$29
65+$44

Generally, the older you are, the more experienced you are on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $27 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may start to rise again in Sulphur Springs.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$43

In general, female drivers pay less for car insurance than their male counterparts. This is true in Sulphur Springs, where male drivers pay about $8 more a month. Based on the chart above, you can see that male drivers pay $51 on average, while female drivers typically pay $43 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$75
Multiple Accidents$80
1 Ticket$48
Multiple Tickets$88

Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Sulphur Springs with one accident will pay around $75 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $48 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$38
4-5 Years$34
6-7 Years$51
8-10 Years$50
11-14 Years$52
15 Years or Older$43

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Sulphur Springs, with drivers paying around $43 per month for auto insurance coverage.

Truck and van drivers will see rates of about $45 for car insurance, while car owners usually pay around $48 per month.

Vehicle age has an impact on the cost of your policy as well. 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 Sulphur Springs, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$48
Married$46
Divorced$41
Widowed$38

Generally speaking, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

Despite the national trend of married drivers saving more than single drivers, the rates for both in Sulphur Springs are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$41
Rent$47
Live with parents$50

Another factor taken into consideration is your living situation. In Sulphur Springs, homeowners can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Sulphur Springs, TX

Recent trends in car insurance for Sulphur Springs drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for auto insurance in Sulphur Springs rose from 2017-2018, before leveling out in 2019. Car insurance rates increased again, reaching a high of $60 in 2021, and finished down at $29 in 2022.

How does Sulphur Springs compare to neighboring areas?

Why are car insurance rates in Sulphur Springs different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Amount of drivers in the region
  • Frequency of car accidents
  • Community laws
  • Off-street parking access
  • Crime

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 Sulphur Springs?

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.

Good news! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Sulphur Springs.

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Sulphur Springs Insurance FAQs

What factors affect car insurance quotes in Sulphur Springs?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Sulphur Springs different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Sulphur Springs?

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 Sulphur Springs?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Sulphur Springs or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes