Table of contents
How much is car insurance in Wills Point?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month cheaper to insure your vehicle in Wills Point than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Wills Point. You can expect to pay about $22 below the national average for auto insurance in Wills Point.
Although these are the average rates for auto insurance in Wills Point, it's important to remember that you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't worry, we've done the work for you and broken down the average rates for Wills Point to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Wills Point.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Wills Point, this difference shakes out to about $11 per month. As illustrated in the table above, male drivers in the area pay about $64 on average, while female drivers pay around $53 each month.
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 who avoid accidents and tickets will pay lower rates than those with infractions. In Wills Point, having a single accident on your record will usually get you rates around $61 a month. Similarly, drivers with one ticket will typically pay around $88 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$58|
The most affordable vehicles to insure in Wills Point are by and large SUVs, which run about $48 per month.
SUV owners can expect to pay an average of around $48 a month for their policy, while truck and van drivers are usually around $63 to insure each month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Wills Point, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Wills Point follows that pattern, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $25 a month more than if you own your own home in Wills Point. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Wills Point, TX
Recent trends in car insurance for Wills Point drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Wills Point, the rates for car insurance increased from 2016-2017, when they hit a high of $77, but started to turn downward from 2018-2019. They finished down in 2021, at $35.
How does Wills Point compare to neighboring areas?
Why are car insurance rates in Wills Point different from other areas?
Car insurance companies will take into account several factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Regional regulations
- Amount of drivers
- Regional crime rates
- Road Safety (frequency of local car accidents)
- Off-street parking accessibility
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 Wills Point?
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 will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Wills Point.
Wills Point Insurance FAQs
What factors affect car insurance quotes in Wills Point?
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 marital status, address, credit score, and driving record.
Why is the cost of car insurance in Wills Point 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 local laws, crime rates, 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 Wills Point?
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 Wills Point?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Wills Point 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.