Table of contents
How much is car insurance in Willis?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Willis are on par with what you would pay anywhere else in Texas.
When stacked up against the national average, the average monthly policy payment for Willis is more affordable. On average, it's about $19 less to insure your vehicle in Willis than it is in the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Willis, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But worry not, we've done the heavy lifting and broken down the average rate for Willis 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 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|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Willis drivers may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Willis, however, male and female drivers both pay about the same rate for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Willis, drivers with one accident on their record will experience rates around $82 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $81.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$57|
The cheapest vehicles to insure in Willis are usually SUVs and cars, with each type typically costing about $61 per month.
Truck and van drivers will see rates of about $64 to insure their vehicle, while SUV owners typically pay around $61 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Willis, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Willis reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $3 a month more than homeowners in Willis. Those who live with their parents, however, can expect to pay a lot 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 Willis, TX
Recent trends in car insurance for Willis drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Willis, auto insurance rates rose from 2016-2018, when they hit a high of $67. This changed in 2019, when they began to turn downward again. They finished up in 2021, at $62 a month
How does Willis compare to neighboring areas?
Why are car insurance rates in Willis different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Off-street parking accessibility
- Road safety
- Total amount of drivers in the area
- Crime levels
- Local regulations
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Willis?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Willis.
Willis Insurance FAQs
What factors affect car insurance quotes in Willis?
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in Willis 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 parking situations, local laws, 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 Willis?
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 Willis?
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. 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 Willis 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?