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How much is car insurance in Cypress?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Texas are about $15 a month cheaper than the rates drivers pay in Cypress.
Compared to the rest of the country, auto insurance in Cypress is more affordable. The average monthly payment in Cypress is about $0 cheaper than the rate for the rest of the United States.
Bear in mind that while these rates are the average costs for residents of Cypress, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But don't worry, we've broken down average rates for Cypress residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Cypress 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 premiums, that experience pays off. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may begin to go back up in Cypress.
Cypress Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Cypress, where male drivers pay about $4 more per month. As illustrated in the table above, female drivers in the area pay about $78 on average, while male drivers pay around $82 each month.
Cypress Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Cypress with a single accident on their record is about $94 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $108 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Cypress Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$79|
If you look at the first table above, the cheapest vehicles to insure in Cypress are by and large SUVs, at $73 per month.
Cars, trucks, and vans on the other hand, cost about the same to insure, around $82 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Cypress, vehicles six-to-seven years old are the most expensive to insure.
Cypress Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Cypress is about $24 a month, with married couples paying less for coverage than single drivers.
Cypress Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $14 a month more than those who own their own home in Cypress. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Cypress, TX
Recent trends in car insurance for Cypress 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.
The cost of insurance in Cypress rose from 2017-2018, before steadying out in 2019. Insurance rates finished up in 2022, at $114 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 several factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Road Safety (total number of local car accidents)
- Access to off-street parking
- Number of drivers in the community
- Crime levels
- Local regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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 Cypress?
Equipping 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 punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Cypress.
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Cypress Auto Insurance FAQs
What factors affect car insurance quotes in Cypress?
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 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 Cypress different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Cypress?
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 Cypress?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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.
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