Crosby, TX Car Insurance

Drivers in Crosby pay, on average, $79 a month for their car insurance. To learn more about policy rates and coverage in the Crosby area, continue reading our guide below.
How do rates in Crosby measure up compared to neighboring areas, including Texas as a whole? What should residents of Crosby expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Crosby?

Area Average Monthly Car Insurance Premium
Crosby$79
TX$65
United States$81

As you can see, car insurance policies across the rest of Texas are about $14 a month cheaper than the rates drivers pay in Crosby.

On the other hand, when compared to the national average, the cost for auto insurance in Crosby is lower. On average, it's about $2 less to insure your vehicle in Crosby than it is in the rest of the United States.

While these are the average monthly costs for auto insurance coverage in Crosby, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rate for Crosby residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$128
25-34$78
35-44$79
45-54Not Enough Data
55-64$52
65+$62

More time behind the wheel makes you a more experienced driver. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates rise again in Crosby.

Average Car Insurance Rates by Gender

Gender Average
Male$77
Female$81

Although women typically pay less than men do for auto insurance coverage, this is not the case in Crosby, where female drivers pay around $81 per month while male drivers pay about $77.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$98
Multiple Accidents$115
1 Ticket$104
Multiple Tickets$98

One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Crosby, having a single accident on your record will usually get you rates around $98 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $104.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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$106
2-3 Years$82
4-5 Years$96
6-7 Years$69
8-10 Years$77
11-14 Years$81
15 Years or Older$76

In terms of affordable coverage, the cheapest vehicles to insure in Crosby are usually SUVs, at $76 per month.

Car owners can expect to pay an average of around $81 a month for their policy, while truck and van drivers are usually around $79 to insure each 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. Once your car is about 5 years old, however, you may see your rates begin to drop back down. 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)$86
Married$72
Divorced$65
Widowed$53

More often than not, people who are married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Crosby as well, where the difference is around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$73
Rent$78
Live with parents$119

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than if you own your 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.

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 Crosby, TX

Recent trends in car insurance for Crosby 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 rates for car insurance in Crosby had been increasing from 2017-2018, but changed in 2019. They decreased until 2020, when they hit a low of $70, and finished at $89 in 2022.

How does Crosby compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Total amount of drivers in the area
  • Regional crime rates
  • Frequency of car accidents
  • Area regulations
  • Access to off-street parking

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Crosby?

While knowing 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.

Good news! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering plans in Crosby.

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Crosby Insurance FAQs

What factors affect car insurance quotes in Crosby?

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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Crosby different from other neighboring cities?

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Crosby?

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 Crosby?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Crosby 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.

Find your best rate in just a few minutes