Table of contents
How much is car insurance in Sulphur Springs?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Sulphur Springs typically costs about $19 a month less than it does in the rest of Texas.
If you're thinking of moving to Sulphur Springs from out of state, you may still be in luck. Car insurance rates for the U.S. as a whole are, on average, $35 more expensive than the rates you'd pay in Sulphur Springs.
Although these are the average rates for auto insurance in Sulphur Springs, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Sulphur Springs so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $26 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may creep back up in Sulphur Springs.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Sulphur Springs, where women pay around $7 less a month. Looking at the table above, you can see that female drivers pay around $42 on average, while male drivers typically pay $49 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Sulphur Springs, drivers with one accident on their record will experience rates around $80 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $33 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$42|
As you can see in the first table above, the cheapest vehicles to insure in Sulphur Springs are usually SUVs, which run about $38 per month.
Truck and van drivers will see rates of about $45, while the rates for car owners average out to about $46 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few 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)||$45|
Generally speaking, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
As you can see in the table above, married couples pay about the same rate as single drivers in Sulphur Springs.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$50|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Sulphur Springs. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Sulphur Springs, TX
Recent trends in car insurance for Sulphur Springs 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.
The cost of insurance in Sulphur Springs increased from 2016-2018, where it reached a high of $54, before leveling out in 2019. Rates have risen again in recent years, finishing at $41 a month in 2021.
How does Sulphur Springs compare to neighboring areas?
Why are car insurance rates in Sulphur Springs different from other areas?
There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Area crime rates
- Road safety
- Number of drivers in the region
- Off-street parking accessibility
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Sulphur Springs?
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.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Sulphur Springs.
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Sulphur Springs different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Sulphur Springs?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Sulphur Springs?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Sulphur Springs or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?