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How much is car insurance in Cibolo?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Cibolo typically costs about $4 a month less than it does in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Cibolo is more affordable. It's about $19 cheaper than the national average to insure your vehicle in Cibolo.
While these are the average car insurance rates for Cibolo, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down the average rate for Cibolo residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Cibolo Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $61 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Cibolo.
Cibolo Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Cibolo, where male drivers pay about $6 more a month. As you can see in the table above, male drivers in the area typically pay $64 on average, while female drivers typically pay $58 each month.
Cibolo Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Cibolo with one accident will pay around $83 a month. Similarly, drivers with one ticket will typically pay around $80 on average.
Cibolo Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$58|
According to the first table above, the cheapest vehicles to insure in Cibolo are usually trucks and vans, at $48 per month.
SUV drivers will see rates of about $58, while the rates for car owners average out to about $66 per month.
The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Cibolo are vehicles six-to-seven years old and eleven-to-fourteen years old.
Cibolo Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally speaking, people who are married will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Cibolo is about $24 a month, with married couples paying less for coverage than single drivers.
Cibolo Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $2 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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The cost of auto insurance coverage in Cibolo increased from 2017-2018, where it reached a high of $76, before leveling out in 2019. Insurance rates had been increasing again in 2020, and finished down at $61 in 2022.
How does Cibolo compare to neighboring areas?
Why are car insurance rates in Cibolo different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Number of car accidents
- Amount of drivers
- Local regulations
- Off-street parking availability
- Rate of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Cibolo?
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.
But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Cibolo.
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Cibolo Auto 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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Cibolo different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 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 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Cibolo or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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