Table of contents
How much is car insurance in Baytown?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $7 a month more expensive to insure your vehicle in Baytown than it is in the rest of Texas.
Compared to the rest of the country, auto insurance in Baytown is more affordable. It's about $9 cheaper to insure your vehicle in Baytown compared to the average rate for the United States as a whole.
Bear in mind that while these rates represent the expected monthly payments for residents of Baytown, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Baytown and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $58 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates rise again in Baytown.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The price for auto insurance in Baytown, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Baytown with one accident will pay around $97 a month. In addition, drivers with a single ticket on their record can expect to pay around $90 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$71|
|15 Years or Older||$70|
According to the first table above, the cheapest vehicles to insure in Baytown are typically SUVs, at $65 per month.
Truck and van drivers will see rates of about $68, while the rates for car owners average out to about $77 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Baytown are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Overall, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Baytown, with married couples paying about $15 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your living situation is another factor that affects your monthly rate. In Baytown, homeowners can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Baytown, TX
Recent trends in car insurance for Baytown drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for auto insurance in Baytown had been increasing from 2017-2018, before steadying out in 2019. Car insurance rates went up again, hitting a high of $82 in 2021, and finished down at $81 in 2022.
How does Baytown compare to neighboring areas?
Why are car insurance rates in Baytown different from other areas?
Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Total number of drivers
- Rate of car accidents
- Regional crime rates
- Regional laws
- Availability of off-street parking
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. 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 Baytown?
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.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Baytown.
Baytown Insurance FAQs
What factors affect car insurance quotes in Baytown?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Baytown different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Baytown?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Baytown?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Baytown 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.