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How much is car insurance in Wichita Falls?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Wichita Falls is about $17 cheaper than it is in the rest of Texas.
Similarly, when compared to the national average, the cost for auto insurance in Wichita Falls is lower. It's about $32 cheaper than the national average to insure your vehicle in Wichita Falls.
These rates may be the average amount Wichita Falls drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Wichita Falls 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 below and find out in just minutes!
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Wichita Falls Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $38 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates begin to go back up in Wichita Falls.
Wichita Falls Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The price for insurance coverage in Wichita Falls, however, is about the same for either group.
Wichita Falls Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Wichita Falls with a single accident on their record will usually see rates around $63 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $53.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Wichita Falls Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$43|
The cheapest vehicles to insure in Wichita Falls are by and large trucks and vans, with each type typically costing about $43 per month.
Car owners, on the other hand, usually pay around $50 a month, while SUV drivers can expect to pay about $48 per month 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. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Wichita Falls, vehicles two-to -three years old are the most expensive to insure.
Wichita Falls Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
Overall, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Wichita Falls as well, where the difference is around $10 a month.
Wichita Falls Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Your living situation is another component of how insurance companies calculate your monthly rate. In Wichita Falls, homeowners can expect to pay around $4 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Wichita Falls, TX
Recent trends in car insurance for Wichita Falls drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of insurance in Wichita Falls increased from 2017-2018, before leveling out in 2019. They went up again, reaching a high of $54 in 2021, and finished down at $46 in 2022.
How does Wichita Falls compare to neighboring areas?
Why are car insurance rates in Wichita Falls different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Amount of off-street parking
- Amount of drivers in the community
- Local crime rates
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Wichita Falls?
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.
Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Wichita Falls.
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Wichita Falls Auto Insurance FAQs
What factors affect car insurance quotes in Wichita Falls?
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 Wichita Falls different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Wichita Falls?
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 Wichita Falls?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Wichita Falls 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.
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