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How much is car insurance in Wylie?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Wylie are about $9 a month more expensive than the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Wylie. The average monthly payment for the United States as a whole is about $6 more expensive than in Wylie.
While these are the average costs to insure your vehicle in Wylie, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
We've analyzed the average rate for Wylie and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Wylie Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates creep back up in Wylie.
Wylie Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Wylie, the difference is around $6 per month. As illustrated in the table above, female drivers in the area pay about $70 on average, while male drivers pay around $76 each month.
Wylie Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Wylie, drivers with one accident on their record will experience rates around $98 a month. In addition, drivers with one ticket can expect to pay around $93 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Wylie Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$67|
The cheapest vehicles to insure in Wylie are typically trucks and vans, with each type typically costing about $65 per month.
SUV drivers will see rates of about $72, while the rates for car owners average out to about $76 a month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are 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 decrease. In Wylie, the most expensive vehicles to insure are vehicles four-to-five years old.
Wylie Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$83|
More often than not, people who are married will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Wylie can be as much as $24 a month, so it's worth taking into consideration.
Wylie Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $8 a month more than those who own their own home in Wylie. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Wylie, TX
Recent trends in car insurance for Wylie 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.
The rates for car insurance in Wylie dropped from 2017-2018, before steadying out in 2019. They finished down in 2022, at $77 per month
How does Wylie compare to neighboring areas?
Why are car insurance rates in Wylie different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking accessibility
- Rate of car accidents
- Number of drivers in the region
- Regional crime rates
- Community regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Wylie?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Wylie.
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Wylie Auto Insurance FAQs
What factors affect car insurance quotes in Wylie?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Wylie different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Wylie?
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 Wylie?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Wylie or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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