Table of contents
How much is car insurance in Vidor?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Vidor is in line with pricing for the rest of Texas.
Compared to the rest of the country, auto insurance in Vidor is more affordable. It's about $16 cheaper to insure your vehicle in Vidor compared to the average rate for the U.S. as a whole.
While these are the average costs to insure your vehicle in Vidor, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car 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.
But worry not, we've done the heavy lifting and broken down the average rate for Vidor to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $58 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Vidor drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Vidor, although women do pay slightly less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Vidor with a single accident will pay around $71 a month. In addition, drivers with a single ticket on their record can expect to pay around $77 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$65|
The cheapest vehicles to insure in Vidor are usually trucks and vans, with each type typically costing about $63 per month.
Car and SUVs, however, both cost about the same amount to insure their vehicle -- around $65 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Vidor are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Vidor can be as much as $6 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 a month more than those who own their own home in Vidor. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Vidor, TX
Recent trends in car insurance for Vidor 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.
In Vidor, the rates for auto insurance have been mixed over the past few years. They increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $57 in 2021.
How does Vidor compare to neighboring areas?
Why are car insurance rates in Vidor different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Regional crime rates
- Amount of off-street parking
- Local regulations
- Road safety
- Amount of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Vidor?
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.
But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Vidor.
Vidor Insurance FAQs
What factors affect car insurance quotes in Vidor?
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, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Vidor different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Vidor or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.