Lewisville, TX Car Insurance

What is the average cost of car insurance in Lewisville?


Car insurance coverage costs an average of $1,422 each year in Lewisville. That's more expensive than the statewide average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to car insurance in Lewisville — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.


CAR INSURANCE: LEWISVILLE RATES VS. STATE + NATIONAL AVERAGES
Lewisville Average (yearly)Texas AverageNational Average
$1,422$1,415$1,548

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Lewisville auto insurance rates by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Lewisville, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Lewisville — but don't forget to get personalized car insurance quotes to match your driving profile.


LEWISVILLE AUTO INSURANCE PREMIUMS BY COMPANY
InsurerAverage Rate (annual)
GEICO$1,216
USAA$1,235
State Farm$1,278
Allstate$2,353

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



Lewisville car insurance costs by age

Lewisville drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,238per year, on average. Those in their age_60s don't pay significantly more ($1,284).

Teenage drivers pay Lewisville's most expensive insurance rates. When Lewisville drivers hit their 20s, their insurance rates drop substantially. In Lewisville, teenage drivers pay $3,657 — a full $2,373 more than the second-most expensive rate paid by an age group.


CAR INSURANCE RATES BY AGE TIER IN LEWISVILLE
Age bracketAverage Annual Rate
Teenagers$3,657
20s$1,849
30s$1,399
40s$1,362
50s$1,238
60s$1,284
70s$1,587

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



Lewisville auto insurance premiums by gender and marital status


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Lewisville, married motorists pay $92 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Lewisville, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Lewisville, the gap in car insurance rates between genders is $7 per year, with male drivers paying more than female drivers.


INSURANCE RATES IN LEWISVILLE BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,415
Male$1,422
Single$1,330
Married$1,330
Divorced$1,422
Widowed$1,297

Learn more about the impact gender and marital status have on insurance rates.



Lewisville car insurance premiums by incident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Lewisville drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $793 per year versus the city average. A ticket for speeding results in a $121 rate hike, on average, while a DUI violation costs $810per year in insurance premiums.


LEWISVILLE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DUI/DWI$2,232
Reckless Driving$2,215
At-fault Accident (damages < $1,000)$1,814
At-fault Accident (damages greater than $2,000)$2,164
Speeding Ticket (16-20 mph over speed limit)$1,543

Learn more about citations' impact on your auto insurance rates.



Lewisville car insurance rates by credit score


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 Lewisville, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 61% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Lewisville, improving your credit to "Fair" could help you earn $1,235 in savings on insurance premiums each year.


LEWISVILLE CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$3,008
Fair$1,773
Good$1,422
Very Good$1,319
Exceptional$1,169

Learn more about the relationship between poor credit and car insurance.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.