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How much is car insurance in Weatherford?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $9 a month cheaper to insure your vehicle in Weatherford than it is in the rest of Texas.
Compared to the national average cost of auto insurance coverage, Weatherford has lower rates. It's about $25 cheaper to insure your vehicle in Weatherford compared to the average rate for the U.S. as a whole.
These may be the average auto insurance rates for Weatherford, but that doesn't mean it's exactly what you'll pay. 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.
Don't sweat it however, we've broken down average rates for Weatherford residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Weatherford.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Weatherford, where male drivers pay about $8 more a month. Based on the chart above, you can see that male drivers pay $61 on average, while female drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Weatherford, a driving record with one accident will usually get you a rate around $71 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $72.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$52|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Weatherford, with drivers paying around $55 per month for insurance.
Car owners will see a monthly premium of about $56, while SUV owners usually pay around $59 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Weatherford are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Weatherford is no exception, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Another factor that comes into play is your living situation. Drivers who own property in Weatherford can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Weatherford, TX
Recent trends in car insurance for Weatherford drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of car insurance coverage in Weatherford went up from 2020-2021, before leveling out in 2022. Rates finished down in 2022, at $62 a month
How does Weatherford compare to neighboring areas?
Why are car insurance rates in Weatherford different from other areas?
Car insurance companies look at a variety of factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Rate of crime
- Off-street parking access
- Amount of drivers
- Local laws
- Road Safety (how many accidents each locality has)
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 Weatherford?
Equipping 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 does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Weatherford.
Weatherford Insurance FAQs
What factors affect car insurance quotes in Weatherford?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Weatherford 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 Weatherford?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Weatherford?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Weatherford or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.