Cibolo, TX Car Insurance

On average, Cibolo drivers pay a monthly average rate of around $61 for their car insurance. Check out our guide below to find out how much you'll pay.
What rates should residents of Cibolo expect to pay for their car insurance? Are rates in Cibolo higher or lower than those in neighboring areas? How do they compare to the rest of Texas? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Cibolo?

Area Average Monthly Car Insurance Premium
Cibolo$61
TX$65
United States$81

As you can see in the chart above, it is around $4 a month cheaper to insure your vehicle in Cibolo than it is in the rest of Texas.

If you're thinking of moving to Cibolo from out of state, you may still be in luck. On average, it's about $20 less to insure your vehicle in Cibolo than it is in the rest of the United States.

Keep in mind that these are the average auto insurance rates for Cibolo, and that the rate you get could end up being 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 analyzed the average rate for Cibolo and broken down the different factors to help you understand what your monthly bill might look like. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$102
25-34$53
35-44$61
45-54Not Enough Data
55-64$39
65+$42

Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $60 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up a bit in Cibolo.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$58

On average, female drivers pay slightly less than male drivers for car insurance. The difference in Cibolo is about $6 per month. As illustrated in the table above, female drivers in the area pay about $58 on average, while male drivers pay around $64 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$83
Multiple Accidents$83
1 Ticket$80
Multiple Tickets$69

Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Cibolo with one accident will pay around $83 a month. Similarly, drivers with one ticket will typically pay around $80 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$63
4-5 Years$65
6-7 Years$65
8-10 Years$52
11-14 Years$65
15 Years or Older$59

In Cibolo, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $48 per month for auto insurance.

Car owners can expect to pay an average of around $66 a month for their policy, while SUVs usually cost around $58 a month to insure.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Cibolo, vehicles six-to-seven years old and four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$43
Divorced$48
Widowed$48

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

According to the table above, the difference in rates based on relationship status in Cibolo can be as much as $24 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$59
Rent$56
Live with parents$84

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $3 less than those who own their own home in Cibolo. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Cibolo, TX

Recent trends in car insurance for Cibolo drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Cibolo, the rates for auto insurance increased from 2017-2018 -- where they hit a high of $76 -- before steadying out in 2019. Insurance rates rose again in 2020, and finished down at $64 in 2022.

How does Cibolo compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when they're deciding how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Rate of crime
  • Off-street parking accessibility
  • Amount of drivers in the region
  • Frequency of car accidents
  • Community laws

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Cibolo?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Cibolo.

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Cibolo Insurance FAQs

What factors affect car insurance quotes in Cibolo?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Cibolo?

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 Cibolo?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Cibolo 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.

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