Denton, TX Car Insurance

How much does car insurance cost in Denton?


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 CAR INSURANCE RATES
Denton Average (annual)Texas AverageUnited States Average
$1,340$1,415$1,548

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Denton car insurance premiums by company


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 CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
USAA$1,163
GEICO$1,181
State Farm$1,261
Allstate$2,096

Consult our expert guide to finding the best cheap car insurance.



Denton auto insurance rates by age

Denton drivers in their age_50s pay relatively affordable car insurance rates just $1,166each year, on average. Drivers in their age_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.


DENTON CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$3,455
20s$1,747
30s$1,319
40s$1,284
50s$1,166
60s$1,206
70s$1,487

Learn more about the impact of age on car insurance premiums.



Denton car insurance rates by gender and marital status


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 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.


DENTON CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,333
Male$1,340
Single$1,255
Married$1,255
Divorced$1,340
Widowed$1,223

Learn more about how gender and marital status have on car insurance rates.



Denton car insurance rates by accident and violation history


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 and a speeding ticket triggers a $116 rate hike.


AVERAGE DENTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Annual Rate
DUI/DWI$2,096
Reckless Driving$2,079
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

Learn more about the impact of driving violations on car insurance rates.



Denton auto insurance rates by credit level


Another major insurance rating factor is 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.


DENTON AUTO INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$2,835
Fair$1,671
Good$1,340
Very Good$1,244
Exceptional$1,105

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.