Table of contents
How much is car insurance in Buda?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month cheaper to insure your vehicle in Buda than it is in the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Buda are below the national average. The average monthly payment for the United States as a whole is about $24 more expensive than in Buda.
Bear in mind that while these are the average car insurance rates for Buda, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Buda so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Buda may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Buda totals about $6 per month. As illustrated in the table above, female drivers in the area pay about $54 on average, while male drivers pay around $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Buda, a driving record with one accident will usually get you a rate around $75 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $51 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$57|
In terms of affordable coverage, the cheapest vehicles to insure in Buda are usually SUVs, at $55 per month.
SUV owners will see rates of about $55, while truck and van owners by and large pay around $58 a month.
Your rates can also vary depending on how old your vehicle is. 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 Buda, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally speaking, those who have settled down into marriage 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.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Buda as well, where the difference is around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $9 a month more than drivers who own property in Buda. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Buda, TX
Recent trends in car insurance for Buda 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.
Car insurance rates in Buda went up consistently from 2017-2021. Insurance rates finished down in 2022, at $69.
How does Buda compare to neighboring areas?
Why are car insurance rates in Buda different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Access to off-street parking
- Community regulations
- Total amount of drivers in the community
- Road Safety (frequency of car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Buda?
Equipping 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.
Fortunately, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering plans in Buda.
Buda Insurance FAQs
What factors affect car insurance quotes in Buda?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Buda different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Buda?
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 Buda?
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?
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 Buda 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.