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How much is car insurance in Aubrey?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Aubrey are about the same as what you would pay anywhere else in Texas.
Similarly, car insurance rates in Aubrey are more affordable than the national average. The average monthly payment in Aubrey is about $18 cheaper than the rate for the rest of the U.S.
These may be the average auto insurance rates for Aubrey, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Aubrey residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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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Aubrey Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to go back up once you hit retirement in Aubrey.
Aubrey Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Aubrey, however, the difference in monthly rates for car insurance is minimal.
Aubrey Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Aubrey with a single accident on their record is about $73 a month. In addition, drivers with a single ticket on their record can expect to pay around $91 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Aubrey Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$58|
If you look at the first table above, the cheapest vehicles to insure in Aubrey are usually SUVs, at $58 per month.
Car owners will see rates of about $64, while truck and van owners typically pay around $60 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Aubrey are vehicles eleven-to-fourteen years old.
Aubrey Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Overall, car insurance is slightly cheaper for married policyholders. 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. Aubrey follows that pattern, with the difference totaling to around $14 a month.
Aubrey Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $10 a month more than homeowners in Aubrey. But if you live with your parents, your rates will be significantly higher.
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 Aubrey, TX
Recent trends in car insurance for Aubrey drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Aubrey had been decreasing from 2017-2018, before leveling out in 2019. They finished down in 2022, at $65 per month
How does Aubrey compare to neighboring areas?
Why are car insurance rates in Aubrey different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Off-street parking availability
- Total drivers
- Road Safety (how many accidents each locality has)
- Area regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Aubrey?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Aubrey.
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Aubrey Auto Insurance FAQs
What factors affect car insurance quotes in Aubrey?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Aubrey different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, 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 Aubrey?
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 Aubrey?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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, 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 Aubrey 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.
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