Willis, TX Car Insurance

The average cost for car insurance in Willis is about $62 a month. Learn more in our handy guide below.
Are rates in Willis higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What should residents of Willis expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Willis?

Area Average Monthly Car Insurance Premium
Willis$62
TX$65
United States$81

Based on the chart above, you can see that car insurance rates in Willis are in line with rates across the rest of Texas.

Compared to the rest of the country, auto insurance in 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 U.S.

Keep in mind that while these are the average car insurance rates for Willis, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

Don't worry, we've done the work for you and broken down the average rates for Willis to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$101
25-34$57
35-44$59
45-54$48
55-64$55
65+$50

The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $51 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up a bit in Willis.

Average Car Insurance Rates by Gender

Gender Average
Male$62
Female$61

Car insurance rates for men are usually slightly more expensive than they are for women. In Willis, although women do pay slightly less on their monthly auto coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$79
Multiple Accidents$63
1 Ticket$62
Multiple Tickets$79

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. The rate for drivers in Willis with a single accident on their record is about $79 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $62.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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$74
2-3 Years$50
4-5 Years$68
6-7 Years$65
8-10 Years$65
11-14 Years$65
15 Years or Older$58

As you can see in the first table above, the cheapest vehicles to insure in Willis are by and large cars, which run about $60 per month.

SUV owners will see rates of about $64, while truck and van owners typically pay around $63 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. 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)$66
Married$48
Divorced$56
Widowed$71

Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

In Willis, the difference in rates based on relationship status can be as much as $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$59
Rent$60
Live with parents$83

Your housing situation is another factor that affects your monthly rate. Homeowners in Willis can expect to pay around $1 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Willis, TX

Recent trends in car insurance for Willis drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Willis, the rates for auto insurance went up from 2017-2018, before decreasing from 2019-2020. They finished down in 2022, at $50.

How does Willis compare to neighboring areas?

Why are car insurance rates in Willis different from other areas?

Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Amount of drivers in the area
  • Off-street parking accessibility
  • Regional crime rates
  • Road Safety (frequency of local car accidents)
  • Community regulations

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Willis?

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.

Don't worry, Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Willis.

Compare the cheapest quotes from dozens of insurance companies

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 you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Willis 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, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

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 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Willis or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes