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How much is car insurance in Aubrey?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Aubrey is about $4 a month cheaper than it is for the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Aubrey is rather affordable. The average monthly payment for the U.S. as a whole is about $20 more expensive than in Aubrey.
Although these are the average rates for auto insurance in Aubrey, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.
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 the bill you'll see each month. 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|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $53 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Aubrey may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay a bit less than male drivers on their monthly premiums, the difference in Aubrey is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Aubrey, drivers with one accident on their record will experience rates around $73 a month. In addition, drivers with a single ticket on their record can expect to pay around $91 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$57|
If you look at the first table above, the cheapest vehicles to insure in Aubrey are typically SUVs, at $58 per month.
Truck and van drivers will see rates of about $59 to insure their car, while car owners usually pay around $63 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Aubrey are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Aubrey can be as much as $16 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $9 a month more than drivers who own property in Aubrey. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
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.
In Aubrey, car insurance rates decreased from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $50 a month
How does Aubrey compare to neighboring areas?
Why are car insurance rates in Aubrey different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Road safety
- Number of drivers in the community
- Local crime rates
- Local regulations
- Off-street parking availability
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Aubrey?
While knowing 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.
Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Aubrey.
Aubrey 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 you can't control 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?
Local laws, crime rates, and parking situations -- 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 Aubrey?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Aubrey?
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 Aubrey 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.