Wills Point, TX Car Insurance

On average, Wills Point drivers pay around $58 a month for their car insurance. Read our guide below to learn more about your specific rates.
What can Wills Point residents expect to pay for their car insurance? How does Wills Point stack up to the rest of the area, or even Texas as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Wills Point?

Area Average Monthly Car Insurance Premium
Wills Point$58
TX$65
United States$81

Car insurance coverage in Wills Point is about $7 cheaper than it is in the rest of Texas.

Compared to the rest of the country, auto insurance in Wills Point is more affordable. The average monthly payment in Wills Point is about $23 less than the rate for the rest of the U.S.

While these are the average costs to insure your vehicle in Wills Point, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration 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 bill you'll see each month.

Don't worry, we've done the work for you and broken down average rates for Wills Point to help you get a more accurate idea of what you'll be charged for your policy. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$50
35-44$44
45-54$42
55-64$37
65+$71

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Wills Point drivers may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$53

On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Wills Point, where women pay around $11 less a month. Looking at the table above, you can see that female drivers pay around $53 on average, while male drivers typically pay $64 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$110
1 Ticket$65
Multiple Tickets$85

Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Wills Point, having a single accident on your record will usually get you rates around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $65 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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
2-3 Years$82
4-5 Years$55
6-7 Years$44
8-10 Years$56
11-14 Years$60
15 Years or Older$57

The most affordable vehicles to insure in Wills Point are usually SUVs, which run about $47 per month.

Cars, trucks, and vans, however, all cost about the same for insurance coverage -- around $61 per month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Wills Point, 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)$61
Married$49
Divorced$56
Widowed$48

Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Wills Point as well, where the difference is around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$67
Live with parents$74

Another factor that comes into play is your housing situation. If you rent your home or apartment in Wills Point, expect to pay around $24 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

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 Wills Point, TX

Recent trends in car insurance for Wills Point 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 Wills Point, the rates for auto insurance had been decreasing from 2017-2019, before leveling out in 2020. Insurance rates finished up in 2022, at $61 a month

How does Wills Point compare to neighboring areas?

Why are car insurance rates in Wills Point different from other areas?

There are many factors car insurance companies will consider when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around your home address. These factors include things like:

  • Number of drivers in the community
  • Regional crime rates
  • Frequency of car accidents
  • Off-street parking access
  • Laws

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 learn more.

How can I find the cheapest car insurance in Wills Point?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Wills Point.

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Wills Point Insurance FAQs

What factors affect car insurance quotes in Wills Point?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.

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 crime rates, local laws, 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?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 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.

Find your best rate in just a few minutes