Table of contents
How much is car insurance in Coppell?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Coppell are in line with rates across the rest of Texas.
Compared to the national average cost of auto insurance coverage, Coppell has lower rates. The average monthly payment for the U.S. as a whole is about $17 more expensive than in Coppell.
While these numbers are the average rates for auto insurance in Coppell, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 the bill you'll see each month.
But don't worry, we've broken down the average rates for Coppell residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates begin to go back up in Coppell.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Coppell, where female drivers pay around $6 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Coppell, a driving record with a single accident will usually get you a rate around $82 a month. Likewise, drivers with one ticket will be looking at a rate of around $81 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$56|
In terms of affordable coverage, the cheapest vehicles to insure in Coppell are by and large trucks and vans, at $55 per month.
SUV drivers will see rates of about $56, while the rates for car owners average out to about $66 per month.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally 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 Coppell are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
In Coppell, the difference in rates based on relationship status can be as much as $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$109|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Coppell, expect to pay around $9 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.
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 Coppell, TX
Recent trends in car insurance for Coppell drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Coppell, auto insurance rates decreased from 2016-2017, before leveling out in 2018. Car insurance rates decreased again, reaching a low of $49 in 2020, and finished up at $71 in 2021.
How does Coppell compare to neighboring areas?
Why are car insurance rates in Coppell different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Access to off-street parking
- Rate of car accidents
- Area laws
- Prevalence of crime
- Total amount of drivers in the community
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 cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Coppell?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Coppell in no time.
Coppell Insurance FAQs
What factors affect car insurance quotes in Coppell?
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 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 Coppell 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Coppell?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Coppell?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Coppell 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.