Cypress, TX Car Insurance

Residents of Cypress pay around $78 monthly for their car insurance coverage. Read our guide below to learn more about your specific rates.
Compared to their surrounding area, how do rates in Cypress stack up? What about against the rest of Texas? What rates can residents of Cypress expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Cypress?

Area Average Monthly Car Insurance Premium
Cypress$78
TX$65
United States$81

You can see in the chart above that it's around $13 a month more expensive to insure your vehicle in Cypress than it is in the rest of Texas.

Compared to the rest of the country, auto insurance in Cypress is more affordable. On average, it's about $3 less to insure your vehicle in Cypress than it is in the rest of the U.S.

These rates may be the average amount drivers in Cypress pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 worry not, we've done the heavy lifting and broken down the average rate for Cypress to help you understand what exactly you might be asked to 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$127
25-34$69
35-44$62
45-54$62
55-64$54
65+$57

The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $70 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Cypress drivers may see their rates rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$81
Female$75

Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Cypress, where women pay around $6 less a month. As you can see in the table above, female drivers in the area typically pay $75 on average, while female drivers typically pay $81 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$91
Multiple Accidents$107
1 Ticket$88
Multiple Tickets$171

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Cypress with a single accident on their record is about $91 a month. In addition, drivers with a single ticket on their record can expect to pay around $88 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$67
2-3 Years$74
4-5 Years$81
6-7 Years$84
8-10 Years$79
11-14 Years$77
15 Years or Older$77

The most affordable vehicles to insure in Cypress are typically SUVs, which run about $69 per month.

SUV owners will see rates of about $69, while truck and van owners usually pay around $82 per month.

Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Cypress are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$87
Married$63
Divorced$61
Widowed$49

Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Cypress can be as much as $24 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$64
Rent$79
Live with parents$121

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Cypress. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Cypress, TX

Recent trends in car insurance for Cypress 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.

Car insurance rates in Cypress increased from 2017-2018, before leveling out in 2019. They finished up in 2022, at $88 a month

How does Cypress compare to neighboring areas?

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

Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Regional crime rates
  • Community laws
  • Availability of off-street parking
  • Number of drivers in the region
  • Frequency of car accidents

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Cypress?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Cypress.

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Cypress Insurance FAQs

What factors affect car insurance quotes in Cypress?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, and driving record.

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

Auto insurance companies consider regional factors, such as parking situations, crime rates, 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 Cypress?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Cypress?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Cypress 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.

Find your best rate in just a few minutes