Table of contents
How much is car insurance in Crowley?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Crowley are in line with rates across the rest of Texas.
If you're thinking of moving to Crowley from out of state, you may still be in luck. Auto insurance coverage in Crowley is about $18 cheaper than it is for the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of Crowley, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Crowley residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may climb back up in Crowley.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Crowley, this difference shakes out to about $10 a month. Looking at the table above, you can see that female drivers pay around $57 on average, while male drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Crowley with one accident will pay around $68 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $81.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$55|
As you can see in the first table above, the cheapest vehicles to insure in Crowley are typically cars, which run about $57 per month.
SUV owners, on the other hand, by and large pay around $65 per month, while truck and van drivers can expect to pay about $75 a month for car insurance coverage.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Crowley, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
On average, people who are married will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Crowley reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Another factor that comes into play is your living situation. Drivers who own property in Crowley can expect to pay around $6 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.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Crowley, TX
Recent trends in car insurance for Crowley drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Crowley, auto insurance rates had been decreasing from 2016-2019, when they reached a low of $51. This trend changed in 2020, when they began to increase, and have continued to do so through 2021, when insurance rates hit a high of $81 per month.
How does Crowley compare to neighboring areas?
Why are car insurance rates in Crowley different from other areas?
There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Availability of off-street parking
- Regional crime rates
- Number of car accidents
- Amount of drivers
- Regional regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Crowley?
Arming 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.
But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Crowley.
Crowley Insurance FAQs
What factors affect car insurance quotes in Crowley?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Crowley 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 Crowley?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Crowley?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Crowley 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.