Learn more about car insurance rates and trends in Denton.
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Car insurance costs an average of $1,340 per year in Denton, Texas. That's cheaper than the average in Texas ($1,415) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Denton.
|Denton Average (annual)||Texas Average||United States Average|
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, USAA provides Denton's cheapest rates. See below the best companies for cheap auto insurance in Denton — but don't forget to get personalized car insurance quotes to match your driving profile.
Denton drivers in their 50s pay relatively affordable car insurance rates just $1,166 each year, on average. Drivers in their 60s pay marginally higher rates — $1,206 per year.
Teenage drivers pay Denton's most expensive insurance rates. When drivers hit their 20s in Denton and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Denton is $1,708, the largest such difference between any two age groups.
|Age bracket||Average Yearly Rate|
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In Denton, married drivers pay $86 less per year than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Denton, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect car insurance rates. In Denton, the gap in average auto insurance premiums between genders is $7 per year, with male drivers paying more than female drivers.
|Marital Status/Gender||Average Annual Rate|
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Denton, a reckless driving citation results in an average insurance rate increase of $738 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $755 increase, while a speeding ticket triggers a $116 rate hike.
|Citation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,695|
|At-fault Accident (damages greater than $2,000)||$2,031|
|Speeding Ticket (16-20 mph over speed limit)||$1,456|
Another major insurance rating factor is one's credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Denton drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 61% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Denton, improving your credit to "Fair" corresponds with a $1,164 decrease in annual car insurance rates.
|Credit Tier||Average Rate (annual)|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.