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How much is car insurance in Coppell?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Coppell as it does in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Coppell is rather affordable. It's about $17 cheaper to insure your vehicle in Coppell compared to the average rate for the United States as a whole.
While these are the average monthly costs for auto insurance coverage in Coppell, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't worry, we've done the work for you and broken down the average rates for Coppell to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just 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 behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up once you hit retirement age in Coppell.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Coppell, however, men actually pay slightly less than female drivers to insure their vehicle.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Coppell, a driving record with one accident will usually get you a rate around $82 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $72.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Coppell are usually trucks and vans, at $57 per month.
Car owners will see a monthly rate of about $67, while SUV owners by and large pay around $60 per month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Coppell, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Generally, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Coppell as well, where the difference is around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$109|
Another factor taken into consideration is your living situation. If you rent your home or apartment in Coppell, expect to pay around $7 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Coppell, TX
Recent trends in car insurance for Coppell drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Coppell, the rates for auto insurance increased from 2017-2018, but started to turn downward from 2019-2020, when they hit a low of $49. Car insurance rates finished down in 2022, at $71 a month.
How does Coppell compare to neighboring areas?
Why are car insurance rates in Coppell different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Road safety
- Number of drivers
- Access to off-street parking
- Area laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Coppell?
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.
Good news! Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Coppell in no time.
Coppell Insurance FAQs
What factors affect car insurance quotes in Coppell?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Coppell different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Coppell?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Coppell?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Coppell or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?