Table of contents
How much is car insurance in Conroe?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Conroe as it does in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Conroe is more affordable. You can expect to pay about $15 less for your policy in Conroe than in the rest of United States.
While these numbers are the average rates for auto insurance in Conroe, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Conroe and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates rise again in Conroe.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Conroe is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Conroe with one accident will pay around $79 a month. Likewise, drivers with one ticket will be looking at a rate of around $92 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$62|
The most affordable vehicles to insure in Conroe are usually trucks and vans, which run about $63 per month.
Car owners will see a monthly premium of about $65, while SUV owners typically pay around $64 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Conroe, for example, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Conroe can be as much as $13 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Conroe. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Conroe, TX
Recent trends in car insurance for Conroe drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area when choosing your car insurance policy.
In Conroe, auto insurance rates decreased from 2016-2017, before steadying out in 2018. Car insurance rates increased again recently, hitting a high of $77 in 2021.
How does Conroe compare to neighboring areas?
Why are car insurance rates in Conroe different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Amount of drivers
- Area crime rates
- Local regulations
- Road Safety (how many accidents each locality has)
- Availability of off-street parking
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 Conroe?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Conroe in no time.
Conroe Insurance FAQs
What factors affect car insurance quotes in Conroe?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Conroe different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Conroe?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Conroe?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Conroe 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.