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How much is car insurance in Weslaco?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Weslaco are about the same as what you would pay anywhere else in Texas.
Likewise, car insurance rates in Weslaco are more affordable than the national average. The average monthly payment in Weslaco is about $19 cheaper than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Weslaco, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But don't worry, we've broken down the average rate for Weslaco residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, 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|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $49 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up a bit in Weslaco.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Weslaco, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Weslaco, a driving record with one accident will usually get you a rate around $95 a month.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$59|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Weslaco, with drivers paying around $55 per month for auto insurance coverage.
Cars, trucks, and vans on the other hand, cost about the same to insure, around $62 per month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Weslaco, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
The difference in rates based on relationship status in Weslaco is about $14 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||$79|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Weslaco, expect to pay around $17 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
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 costs.
Car Insurance Companies in Weslaco, TX
Recent trends in car insurance for Weslaco 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.
The rates for auto insurance in Weslaco increased from 2016-2017, when they hit a high of $75. This shifted in 2018, when insurance rates started to decrease. They reached a low of $50 in 2019, and finished down in 2021, at $55 per month.
How does Weslaco compare to neighboring areas?
Why are car insurance rates in Weslaco different from other areas?
Car insurance companies will take into account a lot of factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Off-street parking access
- Rate of car accidents
- Area crime rates
- Total number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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 Weslaco?
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. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Weslaco.
Weslaco Insurance FAQs
What factors affect car insurance quotes in Weslaco?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Weslaco 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 Weslaco?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Weslaco?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Weslaco or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?