Denton Car Insurance

The Zebra
May 30, 2018

Car Insurance in Denton

Denton premiums, which sit under Texas' average by 9%, are recognized for being inexpensive. Keep some money in your pocket by following the tips below about how to save on car insurance in Denton.

  • City Average: $1,656
  • State Average: $1,810
  • National Average: $1,427

Denton Car Insurance by Accident or Violation History

Do you have an accident or violation on your record? That can influence your prices on car insurance. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Accidents happen, even to safe drivers, so be prepared and learn the effect one can have on your rates. For individuals in Denton with at-fault accidents, $813 is the increase that can be expected to annual insurance premiums. In Denton, drivers with a DUI have rates that exceed the city average ($1,656) by $686. Reckless driving will bump your rates up as well, with average rates of $2,292.

  • DUI: $2,342
  • Reckless Driving: $2,292
  • At-fault Accident (damages less than $1000): $2,469
  • At-fault Accident (damages greater than $2000): $2,469
  • Speeding Ticket (16-20 mph over speed limit): $1,721

Denton Car Insurance by Gender and Marital Status

Many driver attributes, including gender and marital status, can impact car insurance premiums in Denton. However, males have premiums that are only a little more pricey than those for females. Did you know that in your city marital status can actually change your premiums substantially? Individuals who are married save 10% per year compared to those who are single. Rates for those who are widowed are also much cheaper than rates for those who are single.

  • Female: $1,643
  • Male: $1,656
  • Single: $1,656
  • Married: $1,497
  • Divorced: $1,656
  • Widowed: $1,494

Denton Car Insurance by Credit Rating

Average car insurance premiums in Denton for individuals with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). Drivers can save nearly $342 per year when they boost their credit tier from Very Good (740-799) to Exceptional (800-850).

  • Very Poor: $2,888
  • Fair: $2,445
  • Good: $2,029
  • Very Good: $1,712
  • Exceptional: $1,370

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Denton Car Insurance by Age

In Denton, drivers see the largest decline in premiums when they hit their 20s, as they save an average of $3,335 from moving out of the teenage age range. In Denton, turning 60 means an increase in car insurance premiums. Up until then, transitioning from one age group to the next means decreasing prices. Among all age groups, drivers in their 50s have the smallest insurance payments, with rates of $1,416/year. However, those in their 60s ($1,481) aren’t paying significantly more. Teenage drivers have the most expensive rates of any age group. They have car insurance payments that average $5,347 per year.

  • Teenagers: $5,347
  • 20s: $2,011
  • 30s: $1,631
  • 40s: $1,580
  • 50s: $1,416
  • 60s: $1,481
  • 70s: $1,846