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How much is car insurance in Channelview?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Channelview as it does in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Channelview is rather affordable. You can expect to pay about $17 less for your policy in Channelview than in the rest of U.S.
Although these are the average car insurance rates in Channelview, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring 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 the bill you'll see each month.
But don't worry, we've broken down average rates for Channelview 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may climb back up a bit in Channelview.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Channelview bucks this trend. Female drivers typically pay around $9 more a month for insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Channelview with a single accident will pay around $73 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $84.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$59|
If you look at the first table above, the cheapest vehicles to insure in Channelview are by and large trucks and vans, at $62 per month.
SUV drivers will see rates of about $66 for auto insurance coverage, while car owners usually pay around $64 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Channelview, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Channelview, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Channelview. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Channelview, TX
Recent trends in car insurance for Channelview 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.
Car insurance rates in Channelview dropped from 2016-2017, before leveling out in 2018. Car insurance rates decreased again, reaching a low of $62 in 2020, before finishing up at $66 in 2021.
How does Channelview compare to neighboring areas?
Why are car insurance rates in Channelview different from other areas?
Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Total number of drivers
- Prevalence of crime
- Regional laws
- Number of car accidents
- Amount of off-street parking
Having an awareness of these factors is critical 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 Channelview?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Channelview.
Channelview Insurance FAQs
What factors affect car insurance quotes in Channelview?
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, credit score, driving record, and marital status.
Why is the cost of car insurance in Channelview different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Channelview?
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 Channelview?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Channelview or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?