Table of contents
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, car insurance rates in Vidor are often favorable when viewed against the rest of the country. It's around $14 less to insure your vehicle compared to the average rate for the United States as a whole.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've analyzed the average rate for Vidor and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
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.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Vidor, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Vidor, a driving record with a single accident will usually get you a rate around $77 a month. Likewise, drivers with one ticket will be looking at a rate of around $57 a month 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||$63|
|15 Years or Older||$65|
As you can see in the first table above, the cheapest vehicles to insure in Vidor are typically trucks and vans, which run about $65 per month.
Car owners will see a monthly bill of about $67, while SUV owners by and large pay around $68 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. 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)||$69|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Vidor is about $4 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||$114|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Vidor. 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 car insurance premiums, 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 picking an insurance policy.
In Vidor, the rates for auto 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 to do so through the present, where rates finished at $83 a month.
How does Vidor compare to neighboring areas?
Why are car insurance rates in Vidor different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Frequency of car accidents
- Regional laws
- Total number of drivers
- Area crime rates
- Access to off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
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. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Vidor.
Vidor Insurance FAQs
What factors affect car insurance quotes in Vidor?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Vidor different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Vidor?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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.