Table of contents
How much is car insurance in Conroe?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Conroe are on par with what you would pay anywhere else in Texas.
On the other hand, when compared to the national average, the cost for auto insurance in Conroe is lower. The average monthly payment in Conroe is about $14 less than the rate for the rest of the U.S.
Although these are the average car insurance rates in Conroe, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for Conroe residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average 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 turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to go back up in Conroe.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Conroe totals about $5 a month. As illustrated in the table above, female drivers in the area pay about $64 on average, while male drivers pay around $69 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Conroe, a driving record with a single accident will usually get you a rate around $80 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $84.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$64|
As you can see in the first table above, the cheapest vehicles to insure in Conroe are usually trucks and vans, which run about $64 per month.
Car owners will see a monthly rate of about $68, while SUV owners typically pay around $65 per month.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Conroe, 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)||$72|
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 offer special discounts for.
According to the table above, the difference in rates based on relationship status in Conroe can be as much as $12 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than drivers who own property in Conroe. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Conroe, TX
Recent trends in car insurance for Conroe 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 car insurance in Conroe increased from 2020-2021, before leveling out in 2022. Rates finished down in 2022, at $69 a month
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. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of crime
- Road Safety (total number of local car accidents)
- Total drivers
- Local regulations
- Off-street parking accessibility
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Conroe?
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 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 numerous car insurance companies offering auto coverage in Conroe.
Conroe Insurance FAQs
What factors affect car insurance quotes in Conroe?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Conroe different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Conroe?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Conroe?
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 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.