Wylie, TX Car Insurance

The average monthly cost for car insurance in Wylie is about $73. Check out our guide below to find out how much you'll pay.
What should residents of Wylie expect to pay for their car insurance? How do rates in Wylie measure up compared to neighboring areas, including Texas as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Wylie?

Area Average Monthly Car Insurance Premium
Wylie$73
TX$65
United States$81

Auto insurance policies in Wylie are about $8 a month more expensive than the rest of Texas.

On the flip side, the expected monthly payments for an auto insurance policy in Wylie are below the national average. Car insurance rates for the U.S. as a whole are, on average, $8 more expensive than the rates you'd pay in Wylie.

These rates may be the average amount residents of Wylie pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't worry, we've done the work for you and broken down the average rates for Wylie to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$247
18-24$119
25-34$63
35-44$57
45-54$58
55-64$53
65+$56

Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Wylie.

Average Car Insurance Rates by Gender

Gender Average
Male$76
Female$70

In general, women pay slightly less for car insurance than men. In Wylie, this difference shakes out to about $6 a 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.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$98
Multiple Accidents$107
1 Ticket$94
Multiple Tickets$118

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Wylie with a single accident on their record is about $98 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $94 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$48
2-3 Years$85
4-5 Years$85
6-7 Years$81
8-10 Years$79
11-14 Years$68
15 Years or Older$66

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Wylie, with drivers paying around $63 per month for insurance.

Car owners can expect to pay an average of around $76 a month for their policy, while SUVs usually cost around $72 a month to insure.

You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Wylie are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$83
Married$59
Divorced$54
Widowed$55

Generally, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Wylie is no exception, with the difference totaling to around $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$72
Live with parents$104

One other element taken into consideration is your housing situation. Drivers who own property in Wylie can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Wylie, TX

Recent trends in car insurance for Wylie drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The cost of auto insurance in Wylie had been decreasing from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $66 per month

How does Wylie compare to neighboring areas?

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

Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Availability of off-street parking
  • Road Safety (frequency of car accidents)
  • Crime rates
  • Local laws
  • Amount of drivers

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. Knowing 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 Wylie?

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

Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing plans in Wylie.

Compare the cheapest quotes from dozens of insurance companies

Wylie 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 age and gender, 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?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 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 finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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.

Find your best rate in just a few minutes