Addison, TX Car Insurance

Residents of Addison pay, on average, about $62 per month for car insurance. To learn more about policy rates and coverage in the Addison area, continue reading our guide below.
Are rates in Addison higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What rates should residents of Addison expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Addison?

Area Average Monthly Car Insurance Premium
Addison$62
TX$65
United States$81

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

If you're thinking of moving to Addison from out of state, you may still be in luck. Car insurance rates for the U.S. as a whole are, on average, $19 more expensive than the rates you'd pay in Addison.

These may be the average auto insurance rates for Addison, but 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 to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

Don't sweat it however, we've broken down average rates for Addison residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$88
25-34$58
35-44$56
45-54$51
55-64$42
65+$56

The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $32 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates begin to increase again in Addison.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$61

Car insurance rates for women are generally cheaper than they are for men. The price to insure your car in Addison, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$84
1 Ticket$77
Multiple Tickets$78

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Addison with one accident will pay around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $77 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$62
2-3 Years$68
4-5 Years$55
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 by and large SUVs, with drivers paying around $58 per month for insurance.

Car owners will see rates of about $62, while truck and van owners typically pay around $66 a month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive 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)$65
Married$53
Divorced$52
Widowed$55

Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Addison is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

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

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than drivers who own property in Addison. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

Car Insurance Companies in Addison, TX

Recent trends in car insurance for Addison drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

The cost of auto insurance in Addison increased from 2017-2018, before leveling out in 2019. Policy premiums finished down in 2022, at $56 per month

How does Addison compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review many factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Off-street parking access
  • Amount of drivers in the region
  • Road Safety (frequency of local car accidents)
  • Crime levels
  • Community laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing 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 corner of the world.

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 by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Good news! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Addison.

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Addison Insurance FAQs

What factors affect car insurance quotes in Addison?

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 marital status, address, credit score, and driving record.

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

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Addison or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes