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How much is car insurance in Baytown?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $8 a month more expensive to insure your vehicle in Baytown than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Baytown. The average monthly payment in Baytown is about $7 less than the rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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.
Don't sweat it however, we've broken down average rates for Baytown residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Baytown Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $57 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may begin to increase again in Baytown.
Baytown Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Baytown, however, men actually pay a little bit less than female drivers to insure their car.
Baytown Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. The rate for drivers in Baytown with a single accident on their record is about $98 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $94 on average.
Baytown Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$73|
In Baytown, the cheapest vehicles to insure are typically SUVs, with drivers paying around $67 per month for auto insurance coverage.
Truck and van drivers will see rates of about $69 for insurance coverage, while car owners by and large pay around $78 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Baytown, the most expensive vehicles to insure are vehicles six-to-seven years old.
Baytown Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
On average, those who are currently married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Baytown reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $15 a month.
Baytown Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $10 a month more than those who own their own home in Baytown. 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 average costs.
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 selecting an auto insurance policy.
In Baytown, the rates for car insurance have been steadily increasing, reaching a high of $88 in 2022.
How does Baytown compare to neighboring areas?
Why are car insurance rates in Baytown different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Community regulations
- Rate of crime
- Off-street parking access
- Amount of drivers in the community
- Number of car accidents
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?
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.
But wait! Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Baytown in no time.
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Baytown Auto 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 age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
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 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 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 Baytown 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.
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