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How much is car insurance in Commerce?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Commerce are in line with rates across the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Commerce is rather affordable. It's about $15 cheaper to insure your vehicle in Commerce compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for drivers in Commerce, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Commerce residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Commerce Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, 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 the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Commerce.
Commerce Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Commerce, the difference comes out to about $10 a month. As you can see in the chart above, car insurance for women in the area typically costs around $61 each month, while men pay $71 on average.
Commerce Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
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. In Commerce, a driving record with a single accident will usually get you a rate around $113 a month. Similarly, drivers with one ticket will typically pay around $81 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Commerce Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$34|
|15 Years or Older||$54|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Commerce, with drivers paying around $39 per month to insure their vehicle.
Car owners will see a monthly rate of about $74, while SUV owners usually pay around $59 per month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Commerce are vehicles eleven-to-fourteen years old.
Commerce Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Commerce, the difference in rates based on relationship status can be as much as $25 a month.
Commerce Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$162|
One other element taken into consideration is your housing status. Renters can expect to pay around $7 a month less than homeowners in Commerce. 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 overall costs, depending on your insurance company.
Car Insurance Companies in Commerce, TX
Recent trends in car insurance for Commerce 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.
Insurance rates in Commerce have been mixed recently. They increased in 2017, declined in 2019, and rose again in 2021, before finishing at $77 in 2022.
How does Commerce compare to neighboring areas?
Why are car insurance rates in Commerce different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Amount of drivers in the community
- Prevalence of crime
- Community laws
- Frequency of car accidents
- Availability of off-street parking
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. 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 Commerce?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Commerce.
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Commerce Auto Insurance FAQs
What factors affect car insurance quotes in Commerce?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Commerce different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Commerce?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Commerce?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. 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 Commerce 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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