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How much is car insurance in Bryan?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Bryan are about $10 a month cheaper than in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Bryan. The average monthly payment in Bryan is about $26 less than the rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of Bryan, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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.
We've broken down average rates for Bryan to help you understand what your policy's monthly premium will cost. 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 more time you've spent on the road, the more experience you have. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $32 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement in Bryan.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in average rates in Bryan totals about $11 a month. As illustrated in the table above, male drivers in the area pay about $60 on average, while female drivers pay around $49 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Bryan, drivers with one accident on their record will experience rates around $62 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $82.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$51|
The most affordable vehicles to insure in Bryan are typically SUVs, which run about $52 per month.
Car owners, on the other hand, usually pay around $56 per month, while truck and van drivers can expect to pay about $54 a month to insure their vehicle.
Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is around 5 years old. In Bryan, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bryan as well, where the difference is around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Bryan. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Bryan, TX
Recent trends in car insurance for Bryan drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of car insurance coverage in Bryan have been mixed as of late, it increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $58 in 2021.
How does Bryan compare to neighboring areas?
Why are car insurance rates in Bryan different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Local crime rates
- Number of car accidents
- Regional laws
- Access to off-street parking
- Total number of drivers in the area
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Bryan?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Bryan.
Bryan Insurance FAQs
What factors affect car insurance quotes in Bryan?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Bryan different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 Bryan?
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 Bryan?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Bryan or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?