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How much is car insurance in Vidor?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Vidor are about the same as what you would pay anywhere else in Texas.
That being said, the expected monthly payments for an auto insurance policy in Vidor are below the national average. Auto insurance coverage in Vidor is about $13 cheaper than it is for the rest of the United States.
While these are the average car insurance rates for Vidor, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for 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 policy payment.
But don't worry, we've broken down average rates for Vidor residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Vidor Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
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 creep back up a bit in Vidor.
Vidor Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Vidor, however, the difference in monthly policy premiums is minimal.
Vidor Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Vidor, a driving record with a single accident will usually get you a rate around $77 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $80 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Vidor Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$66|
The most affordable vehicles to insure in Vidor are typically cars, trucks, and vans, which run about $67 per month.
On the other hand, SUV owners, can expect to pay about $68 per month for auto insurance coverage.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Vidor, the most expensive vehicles to insure are vehicles four-to-five years old.
Vidor Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly extend 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. Vidor is no exception, with the difference totaling to around $5 a month.
Vidor Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Your housing status is another factor that affects your monthly rate. In Vidor, homeowners can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Vidor, TX
Recent trends in car insurance for Vidor drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Vidor, the rates for car insurance decreased from 2017-2019, when they hit a low of $51. This pattern leveled out in 2020, when they began to rise, and have continued on that road through the present, where car insurance rates finished at $78 a month.
How does Vidor compare to neighboring areas?
Why are car insurance rates in Vidor different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of car accidents
- Off-street parking accessibility
- Total number of drivers in the area
- Area laws
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Vidor?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Vidor.
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Vidor Auto Insurance FAQs
What factors affect car insurance quotes in Vidor?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Vidor different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Vidor?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Vidor?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Vidor 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.
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