Wichita Falls Car Insurance

The Zebra
May 30, 2018

Car Insurance in Wichita Falls

Texas is recognized for its expensive premiums, as its mean rate surpasses the national average by $383. Premiums run high in the city as well, so it is critical to save while insuring a vehicle in Wichita Falls. Going over some tips about how to save on Wichita Falls car insurance can save you money.

  • City Average: $1,560
  • State Average: $1,810
  • National Average: $1,427

Wichita Falls Car Insurance by Accident or Violation History

Accidents and violations can cost you in terms of prices on car insurance. $620 is the extra cost per year for drivers with a DUI in Wichita Falls, compared to the city average of $1,560. Reckless driving will also drive your premiums up, with typical rates of $2,133, which are 37% higher than the city average. You can expect your yearly car insurance payments to increase by $752 if you are found at-fault in an accident in Wichita Falls.

  • DUI: $2,180
  • Reckless Driving: $2,133
  • At-fault Accident (damages less than $1000): $2,312
  • At-fault Accident (damages greater than $2000): $2,312
  • Speeding Ticket (16-20 mph over speed limit): $1,621

Wichita Falls Car Insurance by Credit Rating

For those with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are 52% less per year. Drivers will see the biggest percent drop in premiums when they raise their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 20% per year.

  • Very Poor: $2,717
  • Fair: $2,300
  • Good: $1,910
  • Very Good: $1,612
  • Exceptional: $1,293

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Wichita Falls Car Insurance by Age

Looking across all age groups, drivers in their 50s tend to have the smallest car insurance payments. Their rates usually average $1,314/year. People in their 60s ($1,365) also have relatively low premiums. Teenage drivers have the largest premiums amongst all the age groups. They have average car insurance payments of $4,893 per year. The largest reduction in premiums for Wichita Falls drivers happens when they reach their 20s. Once out of the teenage age range, they pay 62% less in premiums. The first time drivers can anticipate their age to trigger a rise in car insurance premiums is when they turn 60.

  • Teenagers: $4,893
  • 20s: $1,883
  • 30s: $1,536
  • 40s: $1,484
  • 50s: $1,314
  • 60s: $1,365
  • 70s: $1,677

Wichita Falls Car Insurance by Gender and Marital Status

Car insurance premiums in Wichita Falls are influenced by driver attributes such as gender and marital status. Did you know that in your city marital status can actually change your premiums substantially? People who are single spend an average of 12% more per year compared to those who are married. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. Premiums are more expensive for men. Men usually pay 2% more than women every year for insurance.

  • Female: $1,533
  • Male: $1,560
  • Single: $1,560
  • Married: $1,397
  • Divorced: $1,560
  • Widowed: $1,403