Addison, TX Car Insurance

Residents of Addison pay around $62 monthly for their car insurance coverage. Check out our guide below to find out how much you'll pay.
What rates should residents of Addison expect to pay for their car insurance? How do rates in Addison measure up compared to neighboring areas, including Texas as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Addison?

Area Average Monthly Car Insurance Premium
Addison$62
TX$64
United States$80

As you can tell by looking at the chart above, car insurance rates in Addison are about the same as the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Addison is rather affordable. You can expect to pay about $18 less for your policy in Addison than in the rest of U.S.

These rates may be the average amount Addison residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

But don't worry, we've broken down the average rate for Addison residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$91
25-34$58
35-44$56
45-54$51
55-64$42
65+$57

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Addison.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$61

In general, female drivers pay less for car insurance than their male counterparts. The price for insurance coverage in Addison, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$69
Multiple Accidents$84
1 Ticket$75
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Addison with a single accident will pay around $69 a month. Likewise, drivers with one ticket will be looking at a rate of around $75 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$64
2-3 Years$69
4-5 Years$56
6-7 Years$60
8-10 Years$63
11-14 Years$64
15 Years or Older$58

In Addison, the cheapest vehicles to insure are usually SUVs, with drivers paying around $59 per month for auto insurance.

SUV owners will see rates of about $59, while truck and van owners by and large pay around $69 a month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Addison, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$53
Divorced$52
Widowed$55

Generally speaking, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Addison follows that pattern, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$64
Live with parents$79

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $12 a month more than homeowners in Addison. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Addison, TX

Recent trends in car insurance for Addison drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

Car insurance rates in Addison had been increasing from 2016-2018, before leveling out in 2019. They finished up in 2021, at $74 per month

How does Addison compare to neighboring areas?

Why are car insurance rates in Addison different from other areas?

There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • General road safety (how many accidents each locality has)
  • Rate of crime
  • Local regulations
  • Total number of drivers in the area
  • Off-street parking availability

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Addison?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Addison in no time.

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Addison Insurance FAQs

What factors affect car insurance quotes in Addison?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Addison different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Addison?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Addison?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Addison or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes