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How much is car insurance in Boerne?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Boerne is about $10 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Boerne is rather affordable. You can expect to pay about $25 below the national average for auto insurance in Boerne.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Boerne residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Boerne Car Insurance Rates by Age
|Age Range||Average Premium|
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. As you can see, 18-24-year-olds pay $44 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Boerne.
Boerne Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in Boerne is only about $2 a month.
Boerne Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Boerne, a driving record with one accident will usually get you a rate around $79 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $79.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Boerne Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$55|
The cheapest vehicles to insure in Boerne are typically trucks and vans, with each type typically costing about $47 per month.
Car owners can expect to pay an average of around $62 a month for their policy, while SUVs usually cost around $50 a month to insure.
You may also see different rates based on your vehicle's age. 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 Boerne are vehicles four-to-five years old.
Boerne Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Boerne is no exception, with the difference totaling to around $20 a month.
Boerne Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $11 a month more than drivers who own property in Boerne. Those who live with their parents, however, can expect to pay a lot 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 overall costs.
Car Insurance Companies in Boerne, TX
Recent trends in car insurance for Boerne drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Boerne, auto insurance rates had been decreasing from 2017-2020, before leveling out in 2021. Insurance rates finished down in 2022, at $47 per month
How does Boerne compare to neighboring areas?
Why are car insurance rates in Boerne different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Amount of drivers in the region
- Road safety
- Prevalence of crime
- Access to off-street parking
- Community laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Boerne?
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.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Boerne.
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Boerne Auto Insurance FAQs
What factors affect car insurance quotes in Boerne?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Boerne different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Boerne?
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 Boerne?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
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 Boerne 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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