Compare Car Insurance Quotes in Mansfield, TX

Affording car insurance in Mansfield, TX doesn’t have to be a hassle, but for drivers in the Lone Star State, it is harder. Texans on average spend over $1,900 per year on their auto insurance. An average American spends around $1,449 per year, so this is about $500 more.

Several factors influence the cost of your insurance. Some factors are within your control, while others are beyond them. Both are essential to understanding how much your vehicle coverage might cost.

Auto Insurance in Mansfield, TX Cost Monthly Costs

Average Monthly Auto Insurance by Age

Age Range	Av. Premium
Under 18	$214
18-24	$101
25-34	$63
35-44	$59
45-54	$53
55-64	$49
65+	$52

Average Monthly Auto Insurance by Vehicle

Vehicle Age	Av. Monthly Premium
Less than 1 Year	$65
2-3 Years	$58
4-5 Years	$64
6-7 Years	$68
8-10 Years	$69
11-14 Years	$62
15 Years or older	$57

Average Monthly Auto Insurance by Carrier

Rank	Company	Av. Monthly Rate
1	Progressive	$101
2	Allstate	$107
3	Kemper	$109
4	Travelers	$114
5	Safeco	$119
6	Bristol West	$125
7	Infinity	$142
8	Gainsco	$163
9	Others	$180+

Average Monthly Auto Insurance by Housing Status

Housing Status	Av. Monthly Premium
Own	$56
Rent	$67
Live with parents	$96

Average Monthly Auto Insurance by Relationship Status

Relationship	Av. Monthly Premium
Single (never married)	$65
Married	$52
Divorced	$56
Widowed	$51

Average Monthly Auto Insurance by Driving Record

Infractions	Av. Monthly Premium
1 accident	$93
Multiple accidents	$99
1 Ticket	$76
Multiple tickets	$131

See How Much Home Insurance Costs in Mansfield Texas HERE

Cheap Car Insurance in Mansfield, TX

The truth is, drivers in Mansfield, TX, are faced with higher rates for their auto insurance for many reasons. Among them are a mix of economic factors, personal factors, and statewide driving trends that push up the total cost of protection for Texans. Nevertheless, understanding these factors can help you identify the lowest possible coverage for your needs when shopping. Learn more:

Population Density

The entire DFW metro area continues to grow, so it’s no surprise that Mansfield, TX continues to be one of the most rapidly growing cities in Tarrant County. Texas has a lower cost of living than most areas in the country and with a desirable community and plenty of amenities, this means an increase in population. In fact, Texas urban areas continue to have an 84% population rate statewide compared to 80% in the nation. This means higher auto insurance costs because there are more vehicles in close proximity as well as a greater threat of vandalism, theft, and more.

Higher Speed Limits In Texas

Texas is home to the fastest speeds in the country coming in at 85 MPH as well as the highest average, 75 MPH. Because of the high speeds and the damage they can do, Texans pay more for their car insurance premiums when compared to other states. These factors are highly considered by virtually all auto insurance companies.

Uninsured Motorists

The number of Texan drivers without liability insurance is higher than the national average, at 15%. Since Texas drivers with adequate coverage are more likely to be involved in an accident than those without, this risk results in higher premiums.

Longer Commutes in Texas

Cheap insurance is the goal of all drivers in Texas, but it’s made harder due to the Lone Star State’s long commute times. With an average of right under 30 minutes, residents of Mansfield, Texas spend an above-average amount of time in their vehicles. This means being around vehicles more often and the greater possibility of being in an accident. One trip on Hwy 287 can confirm that the fast speeds and increase in vehicles can cause more risk for drivers for an accident.

Natural Disasters

Mansfield, TX isn’t close to the many tropical storms that plague Texas, but the threat of hail, severe thunderstorms, tornadoes, and wildfires continue to raise rates. Even the natural disasters not prone to Manfield still weigh into the amount drivers in Texas pay for their coverage.

Personal Factors

Car insurance companies take into account factors such as your age, where you drive, your driving record, the type of vehicle you drive, how much coverage you need, etc. In general, the greater your risk, the higher your premium.

Each provider will assess these types of personal factors, but each brand will also calculate your rates differently. As a result, you’ll notice that different companies will quote the same coverage differently.

Car Insurance in Mansfield, TX

Discounts for Auto Insurance in Mansfield, TX

In addition to keeping you protected, the best car insurance will save you money. Discounts on car insurance are a great way to do this and even if you don’t qualify for everything, you’ll likely find something. For drivers in Mansfield, Texas, here are some of the most common discounts to help you save:

Bundling Discount

In addition to being incredibly popular, bundling auto insurance coverage also comes with some of the lowest prices. You can enhance your protection and savings by combining your auto insurance with a homeowners or renters insurance policy. For families with multiple vehicles, a multi-policy discount is a fantastic alternative. Drivers who insure several vehicles with Progressive save an average of 12 %, and they save an average of 5 % when they buy numerous insurance plans.

Potential Savings: 1% – 17%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Billing Discount

Discounts are available to drivers who pay their bills automatically or online. You can also get a discount if you pay your premium in full at once. The majority of auto insurance companies in Texas, including Allstate, offer this discount.

Potential Savings: 2% – 25%

Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.

New Customer Discount

When a consumer switches to a different insurance provider, they may be entitled to savings. For being a new customer, Travelers offers Mansfield, TX drivers up to a 10% discount, and other companies might go even higher. You should receive your car insurance quote as soon as you can because the discount increases for your new policy the further in the future you purchase your coverage.

Potential Savings: 5% – 15%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Occupational Discount

Certain occupations have lower accident rates, which results in fewer claims for auto insurance companies. This is taken into account when determining your premium, and you may be able to get coverage at a lower cost in some fields. Among the choices available to Texans are Progressive and Safeco.

Potential Savings: 10% – 20%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Continuously Insured Discount

By staying insured, you can avoid the penalties associated with lapsed coverage. If you show proof of insurance for the past six months, companies such as Progressive may offer you a discount.

Potential Savings: 5% – 25%

Major insurers offering this discount: Progressive and Travelers.

Good Student Discount

Because younger drivers are the riskiest to insure, they are often facing the highest premiums. Maintaining good grades of a “B” average or higher is a great way for students to gain discounts on their car insurance coverage. Good grades can activate as much as a 20% discount depending on your insurance provider. Progressive is a popular option in Mansfield, Texas, offering young drivers up to 15% through this discount.

Potential Savings: 5% – 20%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Resident Student Discount

Students who attend college at least 100 miles away from the vehicle they are insuring can receive a discount of up to 35% on their insurance rates. Travelers offers this discount in Mansfield, TX.

Potential Savings: 7% – 35%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Driver Discount

The right driving habits can help reduce accidents and save you money. Every brand has its own terms, but most car insurance companies provide good driver discounts if you go so long without submitting a claim. Safeco provides discounts for its customers even if they have a claim or moving violation, so long as they haven’t happened within the last five years.

Potential Savings: 10% – 30%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Usage-Based Discount

Many auto insurance providers use different forms of tech to track the driving habits of their customers. Those who show safe driving habits or that drive fewer miles can enjoy discounts. These are some of the most popular programs available to drivers in Mansfield, Texas:

Travelers Insurance’s “Intellidrive”.
Allstate’s “Drivewise”, a telematics program.
Safeco’s “Righttrack” program provides up to 30% in savings.
“Snapshot” from Progressive provides an average savings of $145.

Mature Driver Discount

Maturity discounts are available to older drivers (aged 55 or higher). In order to qualify for such discounts, senior drivers may need to enroll in a senior driving course.

Potential Savings: 1% – 15%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Car Insurance in Mansfield, TX Car Discounts

What Car Insurance Is Required in Mansfield, Texas?

Liability coverage is mandatory in Mansfield, TX, for all drivers to remain legal, but the overall needs of each driver will vary from person to person. There are many perils facing drivers that can cause damage to the vehicles which could require additional coverage to restore, as well as other avoidable financial hardships auto insurance can help protect against. Car insurance is a safety net in the event of an accident, but being underinsured can cost you serious money. This is important to consider with the continued rising costs of labor, parts, medical expenses, and legal expenses we continue to see.

Since 2005, the Freedom Insurance Group has assisted motorists in Mansfield, Texas, in finding low-cost auto insurance. Our experts get you the best level of protection at the best price on the market by comparing your rates. Ask an agent today to discover the best coverage options for your needs and learn more about how to protect against more using common auto insurance coverages that protect while saving you money:

Car Insurance in Mansfield, TX Requirements

We understand that the needs of each driver will vary. This is why we offer a wide range of coverage options including full comprehensive car insurance, full coverage, classic car insurance, and much more. Our agents are here to help our clients meet their protection needs in a variety of ways, all while saving money.

Gap Insurance

You could find yourself paying for a car you can’t drive after an accident if your vehicle is totaled. In the event of a totaled car, gap insurance helps you pay off your loan to prevent unnecessary financial hardship.

Third-Party Insurance

If you are responsible for the loss of a third party in your accident as a result of your negligence, third-party car insurance can provide both property damage and liability coverage. That’s worth considering. You can discuss your options with our agents to learn more.

What Happens if You Don’t Have Car Insurance in Mansfield, Texas?

Driving without car insurance in Mansfield, TX, could have you paying fines, dealing with legal issues, having your vehicle towed, and more. Failing to have vehicle insurance will also expose you to the possibility of paying for property damage, medical expenses, and legal fees should an accident occur. There are even more issues that can arise including having to pay for another party’s lost wages or a suspended license if the offense is severe enough.

Mansfield, TX Zip Codes Served By Freedom Insurance Group

76063
76064
76084

If your zip code isn’t listed for some reason, don’t panic, we’re still here to serve. Our agents help drivers throughout Mansfield, Texas, and the rest of the Lone Star State find the right coverage for the lowest price every day.

Car Insurance Quotes in Mansfield, TX

People who search for auto insurance in Mansfield, TX have a number of options to choose from. Freedom Insurance Group can assist you as you navigate the plethora of brands available to find one that can offer you protection, be reliable, and serve your needs.
By partnering with over 25 car insurance brands, we provide our clients with the best options at the lowest prices. Clients typically save 40% on their car insurance with us.

Your needs for auto insurance coverage can be met by our agents. Our products include comprehensive insurance, gap insurance, and other services you may need. We can take care of everything from filing your SR-22 to finding the best discounts. The lowest rate on the market is our guarantee no matter how you need protection.

For over a decade, we’ve provided affordable car insurance in Mansfield, TX. Contact an agent today, or get an auto insurance quote in as little as a few clicks!

Freedom Insurance Group is your Mansfield insurance agency, supplying all of your insurance needs, from keeping you legal to full coverage auto insurance. Our services go beyond auto insurance, however. Discover the many Texas Insurance Services we provide that protect and save our clients: