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How much is car insurance in Weatherford?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Weatherford is about $9 cheaper than it is in the rest of Texas.
Similarly, car insurance rates in Weatherford are more affordable than the national average. It's about $25 cheaper than the national average to insure your vehicle in Weatherford.
Bear in mind that while these rates represent the expected monthly payments for drivers in Weatherford, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
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 your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, 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 two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep 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 $7 more a month. Looking at the table above, you can see that female drivers pay around $52 on average, while male drivers typically pay $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Weatherford, having a single accident on your record will usually get you rates around $73 a month. Likewise, drivers with one ticket will be looking at a rate of around $134 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$48|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Weatherford, with drivers paying around $54 per month for insurance.
Cars and SUV, on the other hand, usually cost about $55 for insurance coverage.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Weatherford, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Weatherford, with married couples paying about $18 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Weatherford, expect to pay around $16 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Weatherford, TX
Recent trends in car insurance for Weatherford drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of car insurance coverage in Weatherford rose from 2016-2017, where it reached a high of $58, before leveling out in 2018. Car insurance rates have risen again in recent years, finishing at $50 per month in 2021.
How does Weatherford compare to neighboring areas?
Why are car insurance rates in Weatherford different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Regional crime rates
- Total amount of drivers in the area
- Off-street parking access
- General road safety (how many accidents each locality has)
- Area laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Weatherford?
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 will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Weatherford.
Weatherford Insurance FAQs
What factors affect car insurance quotes in Weatherford?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Weatherford different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Weatherford?
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 Weatherford?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Weatherford or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?