Converse, TX Car Insurance

Residents of Converse pay around $64 monthly for their car insurance coverage. Check out our guide below to find out how much you'll pay.
What should residents of Converse expect to pay for their car insurance? How do rates in Converse measure up compared to neighboring areas, including Texas as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Converse?

Area Average Monthly Car Insurance Premium
Converse$64
TX$65
United States$81

As you can tell by looking at the chart above, auto insurance rates in Converse are about the same as the rest of Texas.

Likewise, the expected monthly payments for an auto insurance policy in Converse are below the national average. It's around $17 less to insure your vehicle compared to the average rate for the United States as a whole.

Bear in mind that while these rates represent the expected monthly payments for Converse drivers, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Converse 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, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$107
25-34$62
35-44$56
45-54Not Enough Data
55-64$45
65+$45

Generally, the older you are, the more experienced you are on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $62 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Converse.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$63

In general, women pay slightly less for car insurance than men. The price for auto insurance in Converse, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$75
Multiple Accidents$82
1 Ticket$76
Multiple Tickets$92

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Converse with a single accident will pay around $75 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $76.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$55
4-5 Years$64
6-7 Years$67
8-10 Years$68
11-14 Years$64
15 Years or Older$65

If you look at the first table above, the cheapest vehicles to insure in Converse are usually SUVs, at $58 per month.

Car owners, on the other hand, by and large pay around $67 per month, while truck and van drivers can expect to pay about $62 a month for insurance coverage.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Converse, 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)$68
Married$55
Divorced$55
Widowed$42

More often than not, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Converse is about $13 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$66
Live with parents$100

Another factor taken into consideration is your living accommodations. In Converse, homeowners can expect to pay around $10 a month less than those who rent. 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 Converse, TX

Recent trends in car insurance for Converse drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

The rates for car insurance in Converse rose from 2017-2018, before steadying out in 2019. Policy premiums had been increasing again, hitting a high of $73 in 2021, and finished down at $56 in 2022.

How does Converse compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:

  • Total drivers
  • Road Safety (frequency of local car accidents)
  • Laws
  • Access to off-street parking
  • Crime rates

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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Converse?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Converse in no time.

Compare the cheapest quotes from dozens of insurance companies

Converse Insurance FAQs

What factors affect car insurance quotes in Converse?

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 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 Converse 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 Converse?

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 Converse?

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 Converse or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes