The average cost of auto insurance in Wichita Falls, TX, is $1,120. Car owners here can improve savings by comparing multiple auto insurance quotes from different auto insurers. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age. Car owners can save up to $450 by comparing multiple auto insurance quotes and reviews.

Neighborhood:

The neighborhood one lives in Wichita Falls can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary within the city. 

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” or “good” credit score will reduce the cost of auto insurance for car owners, while a “poor” credit score can lead to a substantial increase in Wichita Falls. 

Deductible:

Deductibles are among the most common factors affecting the rate of auto insurance in the country, and Wichita Falls is no different. A high deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average price of auto insurance for a Lincoln MKS on a low deductible ($500) is $1,150. This goes down to $1,060 when the deductible is higher ($1,000).

Demographics:

The cost of auto insurance depends on the driver’s age and gender. Women are generally considered to be safe drivers, making auto insurance cheaper for them. Auto insurance is most affordable for women who are married, at $1,030. Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Wichita Falls is $2,329.

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term effect on Wichita Falls’s cost of auto insurance. Post-DUI, the average cost of auto insurance increases to $2,083.