Table of contents
How much is car insurance in Crosby?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Texas are about $12 a month cheaper than the rates drivers pay in Crosby.
Conversely, when compared to the national average, the cost for auto insurance in Crosby is lower. Auto insurance coverage in Crosby is about $4 cheaper than it is for the rest of the United States.
Bear in mind that while these are the average car insurance rates for Crosby, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Crosby residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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 car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates begin to go back up in Crosby.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Crosby men actually pay $73 per month for coverage while women pay $79.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Crosby with a single accident on their record will usually see rates around $85 a month. Similarly, drivers with one ticket will typically pay around $120 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$101|
|15 Years or Older||$75|
As you can see in the first table above, the cheapest vehicles to insure in Crosby are typically SUVs, which run about $73 per month.
Car owners will see rates of about $75, while truck and van owners by and large pay around $83 per month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Crosby, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
Overall, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Crosby, the difference in rates based on relationship status can be as much as $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $12 a month more than those who own their own home in Crosby. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Crosby, TX
Recent trends in car insurance for Crosby drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The rates for car insurance in Crosby had been decreasing from 2016-2017, before steadying out in 2018. Car insurance rates decreased again, hitting a low of $70 in 2020, before finishing up at $77 in 2021.
How does Crosby compare to neighboring areas?
Why are car insurance rates in Crosby different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Total amount of drivers in the community
- Off-street parking accessibility
- Road safety
- Community laws
- Rate of crime
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. 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 Crosby?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Crosby.
Crosby Insurance FAQs
What factors affect car insurance quotes in Crosby?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Crosby 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 parking situations, crime rates, 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 Crosby?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Crosby?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Crosby or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.