Buda, TX Car Insurance

Buda drivers pay, on average, around $56 a month for their car insurance. For more information refer to our guide below.
How much can residents of Buda expect to pay for their car insurance? How do rates in Buda measure up compared to neighboring areas, including Texas as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Buda?

Area Average Monthly Car Insurance Premium
Buda$56
TX$64
United States$80

Based on the chart above, you can see that coverage in Buda typically costs about $8 a month less than it does in the rest of Texas.

Similarly, the expected monthly payments for an auto insurance policy in Buda are below the national average. On average, it's about $24 less to insure your vehicle in Buda than it is in 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. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

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 monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$87
25-34$53
35-44$50
45-54$41
55-64$38
65+$43

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may climb back up in Buda.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$53

Car insurance rates for women are generally cheaper than they are for men. In Buda, this difference shakes out to about $5 a month. As illustrated in the table above, male drivers in the area pay about $58 on average, while female drivers pay around $53 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$65
1 Ticket$61
Multiple Tickets$43

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Buda with a single accident will pay around $70 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $61 on average.

When it comes to your monthly premium, 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$68
2-3 Years$52
4-5 Years$58
6-7 Years$49
8-10 Years$60
11-14 Years$54
15 Years or Older$56

In terms of affordable coverage, the cheapest vehicles to insure in Buda are usually cars, at $54 per month.

SUV owners, on the other hand, by and large pay around $55 per month, while truck and van drivers can expect to pay about $62 a month for auto insurance coverage.

Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Buda, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$45
Divorced$43
Widowed$38

Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Buda follows that pattern, with the difference totaling to around $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$55
Live with parents$78

One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Buda. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Buda, TX

Recent trends in car insurance for Buda drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The cost of car insurance coverage in Buda dropped from 2016-2017, when it reached a low of $48. This trend changed in 2018, when it began to increase, and has continued on that road through the present, where policy premiums hit a high of $69 per month.

How does Buda compare to neighboring areas?

Why are car insurance rates in Buda different from other areas?

Car insurance companies will take into account several factors when figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

  • Off-street parking availability
  • Rate of car accidents
  • Prevalence of crime
  • Area laws
  • Number of drivers in the community

Having an awareness of these factors is critical 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?

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. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Buda.

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Buda Insurance FAQs

What factors affect car insurance quotes in Buda?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Buda different from other neighboring cities?

Crime rates, local laws, and parking situations -- 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 Buda?

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 Buda?

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 Buda 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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