St. Paul Auto Insurance Rates, Quotes, Agents & Reviews in TX

St. Paul, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Paul, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in St. Paul, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

St. Paul, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in St. Paul, TX with that of other cities in and around St. Paul.

St. Paul Sachse Wylie Murphy Lucas Plano
Average Insurance Rates $2,087 $2,005 $1,332 $2,167 $2,449 $1,302

St. Paul, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around St. Paul, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
St. Paul $1,197 $1,011
Wylie $985 $832
Murphy $1,028 $868
Lucas $2,522 $2,131
Parker $1,933 $1,633
Sachse $1,856 $1,568
Plano $1,016 $858
Lavon $1,387 $1,172

St. Paul, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Paul, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,772
20 Years $2,682
30 Years $2,065
40 Years $1,987
50 Years $1,840
60 Years $1,866
70 Years $2,172

St. Paul, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Paul, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,590 $584
3 Vehicles $5,384 $877
4 Vehicles $7,179 $1,169

Savings on 2 Vehicles bundle:$584

Savings on 3 Vehicles bundle:$877

Savings on 4 Vehicles bundle:$1,169

St. Paul, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around St. Paul, TX.

Location Average Insurance Cost Post DUI Insurance Rate
St. Paul $2,087 $3,249
Wylie $1,332 $2,074
Murphy $2,167 $3,374
Lucas $2,449 $3,813
Parker $2,383 $3,710
Sachse $2,005 $3,121
Plano $1,302 $2,027
Lavon $2,009 $3,128

St. Paul, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,791
Excellent (740-799) $2,044
Good (670-739) $2,175
Average (580-669) $2,837
Poor (300-579) $3,404

St. Paul, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Christina Adcock Allstate 245 Cedar Sage Dr Ste 230, Garland, 75040 (972) 495-7788
Jenny Bray State Farm 7801 Alma Dr Ste 129, Plano, 75025-3483 972-517-0200
Ruth Bookhammer State Farm 1106 14th St, Plano, 75074-6202 469-814-0551
Hutson Insurance Group None 710 E. Park Blvd, Ste 200, Plano, 75074 None
Jagwan Insurance Agency None 1505 W Buckingham Rd Ste A, Garland, 75042 None
Michael D Durand Allstate 600 E Main St Ste F, Allen, 75002 (972) 747-7643
John Pavle Allstate 1333 W McDermott Dr Ste 185, Allen, 75013 (214) 612-0774
Amie Kurtenbach State Farm 2901 W Fm 544 Ste 150, Wylie, 75098-7056 972-429-4477
Jerome David Long Travelers 400 CHISHOLM PL STE 107, PLANO, 75075 972-200-4993
Mark Andrew Braly Nationwide 547 W McDermott Dr, Allen, 75013-2705 (972) 359-9324
A R Schell & Son Agency Inc Travelers 1001 E 15TH ST STE 100, PLANO, 75074 972-423-4546
Diversified Insurance Management, Inc. None 400 Chisholm Place, Suite 208, Plano, 75075 None

St. Paul, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$92 $2,179
Driver's Failure In Showing Documents +$202 $2,289
Driving With An Expired Registration +$215 $2,302
Driving At A Considerably Slow Pace +$453 $2,540
Using A Cellphone While Driving +$478 $2,565
Running A Red Light +$486 $2,573
Speeding +$511 $2,598
Driving A Vehicle Without The Required Permission +$649 $2,736
Driving With An Expired/Suspended License +$1,407 $3,494

St. Paul, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,004
Active Disabling Device $2,004
Tracking Device $1,962
Passive Disabling Device $1,941