Lewisville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Lewisville

Texas premiums are 27% higher than the national average, which is why the state is known for its pricey rates. Premiums also run high in the city, so if you are insuring a vehicle in Lewisville, saving money is important. Going over some ways to save on Lewisville car insurance can save you some hard-earned money.

  • City Average: $1,752
  • State Average: $1,810
  • National Average: $1,427

Lewisville Car Insurance by Gender and Marital Status

There are several factors, including marital status and gender, that come into play when determining car insurance premiums in Lewisville. Did you know that in your city marital status can actually change your premiums substantially? Being married can save you an average of 10% per year compared to being single. Rates for those who are widowed are also significantly cheaper than rates for those who are single. Premiums for men and women tend to differ a bit, with men paying more.

  • Female: $1,736
  • Male: $1,752
  • Single: $1,752
  • Married: $1,579
  • Divorced: $1,752
  • Widowed: $1,587

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Lewisville Car Insurance by Accident or Violation History

A history of accidents and violations can cost you in terms of car insurance premiums. Generally, a DUI in Lewisville will cost you 42% more in car insurance premiums versus the city average ($1,752). Reckless driving will also push your rates up, with typical rates of $2,437. Many people don't think twice about speeding, but getting pulled over for speeding (16-20mph over the limit) raises your insurance premiums by $70.

  • DUI: $2,491
  • Reckless Driving: $2,437
  • At-fault Accident (damages less than $1000): $2,622
  • At-fault Accident (damages greater than $2000): $2,622
  • Speeding Ticket (16-20 mph over speed limit): $1,822

Lewisville Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 53% every year on car insurance. Drivers will see the biggest drop in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $356 per year.

  • Very Poor: $3,074
  • Fair: $2,598
  • Good: $2,152
  • Very Good: $1,811
  • Exceptional: $1,455

Lewisville Car Insurance by Age

Teenage drivers have the highest rates of any age group. They have average car insurance payments of $5,646. In Lewisville, when drivers reach their 20s, therefore moving out of the teenage age range, they save an average of $3,513. You will not see a larger difference between any other age group. Rates continue to trend downward up until drivers hit 60. At $1,496, drivers in their 50s have the smallest car insurance rates among any age group. People in their 60s ($1,564) aren’t paying much more.

  • Teenagers: $5,646
  • 20s: $2,132
  • 30s: $1,725
  • 40s: $1,669
  • 50s: $1,496
  • 60s: $1,564
  • 70s: $1,951