Get Cheap Car Insurance in Murphy TX

  1. Residents of Murphy Can Save Up To $500 by Comparing Multiple Insurance Quotes

See How Much You Can Save in Murphy

 

What's the Cost of Car Insurance in Murphy?

We have been able to help several drivers in Murphy TX locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Murphy Texas, the annual rates had a difference of up to $540 . Specifically, this means that the cheapest price was $1025 and the most expensive was $1565 .

Several factors all come together to influence what your final insurance premium will be. Each one is valued differently and will therefore impact your final rates in either smaller ways or bigger ones. This is why shopping around and comparing a minimum of three or more insurers in your area of Murphy is important in getting the cheapest car insurance rates.

Lowest Average Highest
$1025 $1260 $1565

Insurance Prices: Murphy vs. National/State Averages

Murphy has low-cost car insurance premiums that are below the state's average. It costs $285 less per year than Texas's average. While this may come as a relief, it isn't a reason to become complacent. Taking advantage of lower costs is still an important practice even in Murphy. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1260 $1545 $1479

Murphy TX Average Car Insurance Savings by Neighborhood

If you're thinking about moving then you may want to keep the following in mind. Changing zip codes can actually have a noticeable impact on your car insurance. We have looked at the cost of insurance in various neighborhoods of Murphy to give you a sense of where you can find the lowest costs.

The difference was +$11 between the cheapest neighborhood in Murphy TX with a rate of $1260 on average and a +$890 difference between the priciest area in Murphy TX with an average price of $2150.

# Neighborhood Average Rate
  Murphy $1260
1 University Park +$890
2 Lancaster +$193
3 Balch Springs +$190
4 Cedar Hill +$170
5 Carrollton +$147
6 Farmers Branch +$123
7 Desoto +$120
8 Richardson +$119
9 Sachse +$119
10 Euless +$11

Let's go over some ways to save on car insurance in Murphy

Murphy Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Murphy. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $69 more per year compared to being married, and being a man can typically cost up to $416 more per year in Murphy TX as opposed to being a woman.

Murphy Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Murphy TX is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $2620 a year for insurance on average. This is far higher than the state average of $1545, and $1360 higher than Murphy' average. When gender is taken into account the difference between male and female teens in Murphy TX is $466.

The effect of DUIs on insurance premiums in Murphy TX

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Murphy then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $1260 all the way up to $2343. That means that on average the cost for conviction in Murphy TX can be an increase of $1083.

DUI City Average
$2343 $1260

Find cheap car insurance in Murphy quickly and easily

 

Find Local Murphy Agents

Jerry Lynn Cantrell

231 W Fm 544 Ste 119 Murphy TX 75094

D Zane Shepherd

158 W Fm 544 Ste 120 Murphy TX 75094

An American Insurance Agency

120 E Fm 544 Ste 72, Murphy, TX 75094

Murphy in Brief

  • $1260

    the average Murphy resident's annual cost of coverage

  • $500

    our customer's average savings after comparing insurance

  • 30/60/25

    minimum insurance requirements in Murphy TX

Area We Serve

75094

Murphy Map

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