Commerce, TX Car Insurance

Residents of Commerce pay, on average, about $66 per month for car insurance. Read our guide below to learn more about your specific rates.
How does Commerce compare to the surrounding area and the rest of Texas? What should residents of Commerce expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Commerce?

Area Average Monthly Car Insurance Premium
Commerce$66
TX$65
United States$81

Based on the chart above, you can see that auto insurance rates in Commerce are in line with rates across the rest of Texas.

When stacked up against the national average, the average monthly policy payment for Commerce is more affordable. Car insurance rates for the United States as a whole are, on average, $15 more expensive than the rates you'd pay in Commerce.

Keep in mind that these are the average auto insurance rates for Commerce, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

But don't worry, we've broken down the average rate 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 think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$95
25-34$52
35-44$44
45-54Not Enough Data
55-64$33
65+$33

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. According to the table above, you can see that 18-24-year-olds pay $62 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Commerce.

Average Car Insurance Rates by Gender

Gender Average
Male$71
Female$62

In general, car insurance rates for women are usually cheaper than they are for men. In Commerce, male drivers pay about $9 more per month. As you can see in the table above, female drivers in the area typically pay $62 on average, while female drivers typically pay $71 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$114
Multiple Accidents$76
1 Ticket$94
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Commerce, a driving record with a single accident will usually get you a rate around $114 a month. In addition, drivers with a single ticket on their record can expect to pay around $94 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$34
2-3 Years$46
4-5 Years$60
6-7 Years$44
8-10 Years$76
11-14 Years$83
15 Years or Older$54

As you can see in the first table above, the cheapest vehicles to insure in Commerce are by and large trucks and vans, which run about $39 per month.

SUV drivers will see rates of about $61, while the rates for car owners average out to about $74 a month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Commerce, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$73
Married$45
Divorced$52
Widowed$42

Generally, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Commerce can be as much as $28 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$67
Rent$60
Live with parents$162

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $7 less than homeowners in Commerce. But if you live with your parents, you can expect to pay a lot more.

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 Commerce, TX

Recent trends in car insurance for Commerce 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.

The cost of insurance in Commerce have been mixed as of late, it rose in 2017, decreased in 2019, and increased again in 2021, before finishing at $98 in 2022.

How does Commerce compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Crime
  • Community regulations
  • Frequency of car accidents
  • Amount of drivers in the community
  • Access to off-street parking

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Commerce?

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.

Luckily, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing plans in Commerce.

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Commerce 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 gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Commerce?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Commerce or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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