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How much is car insurance in Bryan?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $10 a month cheaper to insure your vehicle in Bryan than it is in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Bryan is more affordable. The average monthly payment for the U.S. as a whole is about $25 more expensive than in Bryan.
Although these are the average rates for auto insurance in Bryan, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Bryan and broken down the different factors to help you understand what exactly you might be asked to 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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Bryan Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $35 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may rise again in Bryan.
Bryan Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This rings true in Bryan, where women pay around $11 less per month than men. As you can see in the table above, male drivers in the area typically pay $61 on average, while female drivers typically pay $50 each month.
Bryan Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Bryan with a single accident will pay around $68 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $69.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Bryan Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$50|
The cheapest vehicles to insure in Bryan are by and large trucks and vans, with each type typically costing about $52 per month.
Car owners will see a monthly bill of about $56, while SUV owners typically pay around $53 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 about 5 years old, however, you may see your bill start to shrink a bit. In Bryan, vehicles two-to -three years old are the most expensive to insure.
Bryan Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally, those who are currently married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Bryan can be as much as $7 a month, so it's worth taking into consideration.
Bryan Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Bryan. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average 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 insurance in Bryan increased from 2017-2019, when they reached a low of $46. This leveled out in 2020, when car insurance rates began to increase. They hit a high of $62 in 2021, and finished down in 2022, at $48 per month.
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 an insurance policy, car insurance companies will evaluate a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Frequency of car accidents
- Community regulations
- Off-street parking access
- Total number of drivers in the region
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
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.
Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Bryan.
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Bryan Auto Insurance FAQs
What factors affect car insurance quotes in Bryan?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bryan different from other neighboring cities?
Parking situations, crime rates, 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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Bryan?
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 Bryan 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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