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How much is car insurance in Waxahachie?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Waxahachie are in line with rates across the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Waxahachie is more affordable. It's about $17 cheaper than the national average to insure your vehicle in Waxahachie.
Although these are the average rates for auto insurance in Waxahachie, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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.
We've analyzed the average rate for Waxahachie and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Waxahachie 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 more experience you have as a driver. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
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 a bit in Waxahachie.
Waxahachie Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Waxahachie, the difference comes out to about $9 a month. As you can see in the table above, male drivers in the area typically pay $68 on average, while female drivers typically pay $59 each month.
Waxahachie Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Waxahachie, a driving record with a single accident will usually get you a rate around $79 a month. Similarly, drivers with one ticket will typically pay around $71 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Waxahachie Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$57|
In terms of affordable coverage, the cheapest vehicles to insure in Waxahachie are by and large SUVs, at $57 per month.
Car owners can expect to pay an average of around $66 a month for their policy, while truck and van drivers are usually around $63 to insure each month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Waxahachie, vehicles four-to-five years old are the most expensive to insure.
Waxahachie Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Overall, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Waxahachie is about $25 a month, with married couples paying less for coverage than single drivers.
Waxahachie Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Your housing situation is another factor that affects your monthly rate. Homeowners in Waxahachie can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Waxahachie, TX
Recent trends in car insurance for Waxahachie 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.
Auto insurance rates in Waxahachie rose from 2017-2018, before leveling out in 2019. Car insurance rates increased again recently, reaching a high of $75 in 2022.
How does Waxahachie compare to neighboring areas?
Why are car insurance rates in Waxahachie different from other areas?
Car insurance companies will take into account a variety of factors when deciding how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:
- Regional regulations
- Number of car accidents
- Amount of off-street parking
- Rate of crime
- Number of drivers in the area
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 Waxahachie?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Waxahachie in no time.
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Waxahachie Auto Insurance FAQs
What factors affect car insurance quotes in Waxahachie?
Car insurance companies calculate quotes based on a wide array of factors. These 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 Waxahachie 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Waxahachie?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Waxahachie?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Waxahachie or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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