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How much is car insurance in Cibolo?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Cibolo is about $5 cheaper than it is in the rest of Texas.
Similarly, when compared to the national average, the cost for auto insurance in Cibolo is lower. You can expect to pay about $21 below the national average for auto insurance in Cibolo.
While these are the average costs to insure your vehicle in Cibolo, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 broken down the average rates for Cibolo to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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 really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Cibolo may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Cibolo, the difference is around $10 a month. As illustrated in the table above, female drivers in the area pay about $54 on average, while male drivers pay around $64 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. The rate for drivers in Cibolo with a single accident on their record is about $85 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $126 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$59|
As you can see in the first table above, the cheapest vehicles to insure in Cibolo are typically trucks and vans, which run about $44 per month.
Car owners, on the other hand, usually pay around $63 per month, while SUV drivers can expect to pay about $56 a month for insurance coverage.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Cibolo, 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)||$66|
Generally, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will 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 Cibolo as well, where the difference is around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $4 a month less than homeowners in Cibolo. 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 Cibolo, TX
Recent trends in car insurance for Cibolo drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Cibolo, auto insurance rates rose from 2016-2018, before leveling out in 2019. Policy premiums finished down in 2021, at $47 per month
How does Cibolo compare to neighboring areas?
Why are car insurance rates in Cibolo different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Road Safety (total number of local car accidents)
- Amount of drivers
- Community regulations
- Off-street parking availability
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Cibolo?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! 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 a number of the car insurance companies offering plans in Cibolo.
Cibolo Insurance FAQs
What factors affect car insurance quotes in Cibolo?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Cibolo different from other neighboring cities?
Local laws, crime rates, 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 Cibolo?
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 Cibolo?
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?
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 Cibolo 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?