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How much is car insurance in Webster?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $8 a month more expensive to insure your vehicle in Webster than it is in the rest of Texas.
Compared to the rest of the country, auto insurance in Webster is more affordable. It's around $8 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in Webster, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Webster residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates climb back up in Webster.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Webster is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Webster with a single accident will pay around $83 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $69.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$69|
The most affordable vehicles to insure in Webster are typically trucks and vans, which run about $61 per month.
Car owners will see a monthly bill of about $76, while SUV owners by and large pay around $72 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Webster, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
More often than not, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Webster reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Webster, expect to pay around $9 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Webster, TX
Recent trends in car insurance for Webster drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of car insurance in Webster dropped from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $66 a month
How does Webster compare to neighboring areas?
Why are car insurance rates in Webster different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Community regulations
- Frequency of car accidents
- Off-street parking access
- Crime levels
- Total number of drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Webster?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Webster in no time.
Webster Insurance FAQs
What factors affect car insurance quotes in Webster?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Webster different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Webster?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Webster?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Webster or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.