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What's the average cost of car insurance in Wichita Falls?
The average cost of auto insurance in Wichita Falls is $1,227 per year. That's less than the statewide average in Texas ($1,415) and less expensive than the national average of $1,548.
Our guide to Wichita Falls auto insurance includes average rates based on age, credit score, driving history, and marital status.
AVERAGE WICHITA FALLS AUTO INSURANCE PREMIUMS
| Wichita Falls Average (annual) | Texas Average | National Average |
| $1,227 | $1,415 | $1,548 |
Wichita Falls auto insurance rates by:
- Insurance company
- Age group
- Gender
- Driving history
- Credit score
Wichita Falls car insurance rates by insurance company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Wichita Falls, GEICO provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Wichita Falls below. You should only use this list as a starting point: it's important to compare quotes specific to your individual driving profile.
WICHITA FALLS AUTO INSURANCE RATES BY COMPANY
| Insurer | Average Annual Rate |
| GEICO | $1,054 |
| USAA | $1,068 |
| State Farm | $1,093 |
| Allstate | $2,031 |
Consult our expert guide to finding the best cheap car insurance.
Wichita Falls car insurance coverage costs by age
The age bracket that pays the least for auto insurance in Wichita Falls consists of drivers in their 50s, who pay an average of $1,054. Rates for Wichita Falls drivers in their 60s are also relatively affordable, at just $1,082 per year.
Teen drivers pay Wichita Falls' most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Wichita Falls is to celebrate your 20th birthday. The difference in rates paid by teenage drivers and drivers in their 20s in Wichita Falls is $1,460, the largest such difference between any two age groups.
CAR INSURANCE RATES BY AGE TIER IN WICHITA FALLS
| Age | Average Annual Rate |
| Teenagers | $3,054 |
| 20s | $1,595 |
| 30s | $1,207 |
| 40s | $1,173 |
| 50s | $1,054 |
| 60s | $1,082 |
| 70s | $1,311 |
Learn more about how age influences auto insurance rates.
Wichita Falls auto insurance policy costs by marital status and gender
Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the U.S., single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Wichita Falls pay $93 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Wichita Falls, widowed drivers pay less than those who are single.
Gender is another factor that can influence auto insurance rates. The typical male driver in Wichita Falls pays $20 more each year for car insurance than does his female counterpart.
WICHITA FALLS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
| Gender/Marital Status | Average Yearly Rate |
| Female | $1,207 |
| Male | $1,227 |
| Single | $1,134 |
| Married | $1,134 |
| Divorced | $1,227 |
| Widowed | $1,111 |
Read more about how gender impacts auto insurance rates.
Wichita Falls auto insurance costs by accident and citation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Wichita Falls drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $631 per year versus the city average. A ticket for speeding results in a $103 rate hike, on average, while a DUI violation costs $648 per year in insurance premiums.
WICHITA FALLS AUTO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| Violation | Average Yearly Rate |
| DUI/DWI | $1,875 |
| Reckless Driving | $1,858 |
| At-fault Accident (damages less than $1,000) | $1,540 |
| At-fault Accident (damages greater than $2,000) | $1,840 |
| Speeding Ticket (16-20 mph over speed limit) | $1,330 |
Learn more about citations' impact on your auto insurance rates.
Wichita Falls auto insurance rates by credit level
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Wichita Falls drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their auto insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Wichita Falls, moving into the "Fair" credit tier corresponds to an average of $1,014 in savings on insurance each year.
WICHITA FALLS CAR INSURANCE RATES BY CREDIT SCORE
| Credit Score | Average Yearly Rate |
| Very Poor | $2,529 |
| Fair | $1,515 |
| Good | $1,227 |
| Very Good | $1,142 |
| Exceptional | $1,021 |
Learn more about how bad credit might impact your car insurance rates.
Quickly and easily find car insurance quotes by inputting your ZIP code below.
Compare rates from top insurance companies side-by-side.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
