Wills Point, TX Car Insurance

How do rates in Wills Point measure up compared to neighboring areas, including Texas as a whole? What rates should residents of Wills Point expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

---

---

How much is car insurance in Wills Point?

According to the chart above, the average cost of auto insurance in Texas is about $8 a month more expensive than it is in Wills Point.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Wills Point is rather affordable. The average monthly payment for the United States as a whole is about $23 more expensive than in Wills Point.

Although these are the average monthly costs for an auto insurance policy in Wills Point, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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.

Don't sweat it however, we've broken down average rates for Wills Point residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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!

---

---

Wills Point Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $29 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Wills Point drivers may see their rates climb back up once they hit retirement age.

Wills Point Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. This is true in Wills Point, where male drivers pay about $11 more per month. Based on the chart above, you can see that female drivers pay around $53 on average, while male drivers typically pay $64 each month.

Wills Point Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Wills Point, drivers with one accident on their record will experience rates around $63 a month. In addition, drivers with a single ticket on their record can expect to pay around $65 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Wills Point Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Wills Point are usually SUVs, at $48 per month.

Cars, trucks, and vans, on the other hand, usually cost about $60 for insurance.

Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Wills Point are vehicles less than one year old.

Wills Point Car Insurance Rates by Relationship Status

On average, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

In Wills Point, the difference in rates based on relationship status can be as much as $13 a month.

Wills Point Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Wills Point. 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

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In Wills Point, auto insurance rates decreased from 2017-2019, before steadying out in 2020. Rates finished up in 2022, at $55 a month

How does Wills Point compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

• Road Safety (how many accidents each locality has)
• Total amount of drivers in the community
• Off-street parking accessibility
• Regional laws
• Prevalence of crime

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?

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.

But wait! Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Wills Point.

---

---

Wills Point Auto Insurance FAQs

What factors affect car insurance quotes in Wills Point?

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

Why is the cost of car insurance in Wills Point 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 Wills Point?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Wills Point?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Wills Point or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.