Wichita Falls, TX Car Insurance

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What's the average cost of car insurance in Wichita Falls?

 

The average cost of auto insurance in Wichita Falls is $1,227 per year. That's less than the statewide average in Texas ($1,415) and less expensive than the national average of $1,548.

Our guide to Wichita Falls auto insurance includes average rates based on age, credit score, driving history, and marital status.

 
AVERAGE WICHITA FALLS AUTO INSURANCE PREMIUMS
Wichita Falls Average (annual)Texas AverageNational Average
$1,227$1,415$1,548
 
Wichita Falls auto insurance rates by:

 

Wichita Falls car insurance rates by insurance company

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 Wichita Falls, GEICO provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Wichita Falls below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
WICHITA FALLS AUTO INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
GEICO$1,054
USAA$1,068
State Farm$1,093
Allstate$2,031
 

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

 

Wichita Falls car insurance coverage costs by age

The age bracket that pays the least for auto insurance in Wichita Falls consists of drivers in their 50s, who pay an average of $1,054. Rates for Wichita Falls drivers in their 60s are also relatively affordable, at just $1,082 per year.

Teen drivers pay Wichita Falls' most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Wichita Falls is to celebrate your 20th birthday. The difference in rates paid by teenage drivers and drivers in their 20s in Wichita Falls is $1,460, the largest such difference between any two age groups.

 
CAR INSURANCE RATES BY AGE TIER IN WICHITA FALLS
AgeAverage Annual Rate
Teenagers$3,054
20s$1,595
30s$1,207
40s$1,173
50s$1,054
60s$1,082
70s$1,311
 

Learn more about how age influences auto insurance rates.

 

Wichita Falls auto insurance policy costs by marital status and gender

Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the U.S., single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Wichita Falls pay $93 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 Wichita Falls, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. The typical male driver in Wichita Falls pays $20 more each year for car insurance than does his female counterpart.

 
WICHITA FALLS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,207
Male$1,227
Single$1,134
Married$1,134
Divorced$1,227
Widowed$1,111
 

Read more about how gender impacts auto insurance rates.

 

Wichita Falls auto insurance costs by accident and citation history

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Wichita Falls drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $631 per year versus the city average. A ticket for speeding results in a $103 rate hike, on average, while a DUI violation costs $648 per year in insurance premiums.

 
WICHITA FALLS AUTO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DUI/DWI$1,875
Reckless Driving$1,858
At-fault Accident (damages less than $1,000)$1,540
At-fault Accident (damages greater than $2,000)$1,840
Speeding Ticket (16-20 mph over speed limit)$1,330
 

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

 

Wichita Falls auto insurance rates by credit level

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Wichita Falls drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their auto insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Wichita Falls, moving into the "Fair" credit tier corresponds to an average of $1,014 in savings on insurance each year.

 
WICHITA FALLS CAR INSURANCE RATES BY CREDIT SCORE
Credit ScoreAverage Yearly Rate
Very Poor$2,529
Fair$1,515
Good$1,227
Very Good$1,142
Exceptional$1,021
 

Learn more about how bad credit might impact your car insurance rates.

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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 master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.