Wilmer Auto Insurance Rates, Quotes, Agents & Reviews in TX

Wilmer, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Wilmer, 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 Wilmer, 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.


Wilmer, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Wilmer Seagoville Red Oak Balch Springs Lancaster Hutchins
Average Insurance Rates $1,823 $1,864 $1,964 $1,860 $1,526 $1,851

Wilmer, 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 Wilmer, 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)
Wilmer $1,588 $1,342
Hutchins $1,471 $1,242
Lancaster $1,645 $1,389
Ferris $1,938 $1,637
Red Oak $1,327 $1,121
Balch Springs $1,944 $1,642
Seagoville $1,589 $1,342
Pecan Hill $1,229 $1,038

Wilmer, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Wilmer, 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 $5,915
20 Years $2,342
30 Years $1,804
40 Years $1,736
50 Years $1,607
60 Years $1,630
70 Years $1,897

Wilmer, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Wilmer, 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 $3,136 $510
3 Vehicles $4,703 $766
4 Vehicles $6,271 $1,021

Savings on 2 Vehicles bundle:$510

Savings on 3 Vehicles bundle:$766

Savings on 4 Vehicles bundle:$1,021


Wilmer, 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 Wilmer, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Wilmer $1,823 $2,838
Hutchins $1,851 $2,882
Lancaster $1,526 $2,376
Ferris $1,882 $2,930
Red Oak $1,964 $3,057
Balch Springs $1,860 $2,896
Seagoville $1,864 $2,902
Pecan Hill $1,935 $3,012

Wilmer, 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) $1,564
Excellent (740-799) $1,785
Good (670-739) $1,900
Average (580-669) $2,478
Poor (300-579) $2,974

Wilmer, 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 +$80 $1,903
Driver's Failure In Showing Documents +$177 $2,000
Driving With An Expired Registration +$188 $2,011
Driving At A Considerably Slow Pace +$396 $2,219
Using A Cellphone While Driving +$417 $2,240
Running A Red Light +$425 $2,248
Speeding +$447 $2,270
Driving A Vehicle Without The Required Permission +$567 $2,390
Driving With An Expired/Suspended License +$1,229 $3,052

Wilmer, 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 $1,750
Active Disabling Device $1,750
Tracking Device $1,714
Passive Disabling Device $1,695