Wichita Falls, TX Car Insurance

Residents of Wichita Falls pay around $46 monthly for their car insurance coverage. For information on policy rates, coverage, and more check out our guide below.
How much can residents of Wichita Falls expect to pay for their car insurance? Compared to their surrounding area, how do rates in Wichita Falls stack up? What about against the rest of Texas? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Wichita Falls?

Area Average Monthly Car Insurance Premium
Wichita Falls$46
TX$64
United States$80

According to the chart above, the average cost of auto insurance in Texas is about $18 a month more expensive than it is in Wichita Falls.

When stacked up against the national average, the average monthly policy payment for Wichita Falls is more affordable. Car insurance rates for the U.S. as a whole are, on average, $34 more expensive than the rates you'd pay in Wichita Falls.

Bear in mind that while these rates represent the expected monthly payments for Wichita Falls drivers, it doesn't mean that's 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 gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've broken down average rates for Wichita Falls to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$75
25-34$45
35-44$41
45-54$39
55-64$34
65+$40

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $35 more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may climb back up in Wichita Falls.

Average Car Insurance Rates by Gender

Gender Average
Male$46
Female$47

In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Wichita Falls is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$70
1 Ticket$103
Multiple Tickets$65

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Wichita Falls, having a single accident on your record will usually get you rates around $61 a month. In addition, drivers with a single ticket on their record can expect to pay around $103 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$54
4-5 Years$54
6-7 Years$46
8-10 Years$50
11-14 Years$48
15 Years or Older$42

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Wichita Falls, with drivers paying around $41 per month for insurance.

SUV drivers will see rates of about $46 for auto insurance, while car owners by and large pay around $48 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Wichita Falls, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$49
Married$41
Divorced$39
Widowed$41

More often than not, married policyholders will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Wichita Falls is about $8 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$47
Live with parents$73

Another factor that comes into play is your housing status. In Wichita Falls, homeowners can expect to pay around $5 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.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Wichita Falls, TX

Recent trends in car insurance for Wichita Falls drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

In Wichita Falls, auto insurance rates went up from 2016-2018 -- where they reached a high of $51-- before leveling out in 2019. Car insurance rates increased once again in 2020, and have continued rising through 2021, where they finished at $45 a month.

How does Wichita Falls compare to neighboring areas?

Why are car insurance rates in Wichita Falls different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Road Safety (frequency of local car accidents)
  • Prevalence of crime
  • Off-street parking availability
  • Community laws
  • Number of drivers in the region

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Wichita Falls?

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.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Wichita Falls.

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Wichita Falls Insurance FAQs

What factors affect car insurance quotes in Wichita Falls?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Wichita Falls different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Wichita Falls?

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 Wichita Falls?

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. 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 Wichita Falls 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?

Find your best rate in just a few minutes