Table of contents
How much is car insurance in Cypress?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $13 a month cheaper than the rates drivers pay in Cypress.
When stacked up against the national average, the average monthly policy payment for Cypress is more affordable. Auto insurance coverage in Cypress is about $3 cheaper than it is for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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 the average rate for Cypress residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, 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|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates climb back up a bit Cypress.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Cypress, the difference is around $9 a month. As you can see in the table above, female drivers in the area typically pay $72 on average, while female drivers typically pay $81 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Cypress, a driving record with one accident will usually get you a rate around $90 a month. Likewise, drivers with one ticket will be looking at a rate of around $113 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$78|
In terms of affordable coverage, the cheapest vehicles to insure in Cypress are by and large SUVs, at $68 per month.
Car owners will see rates of about $79, while truck and van owners typically pay around $78 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Cypress, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
More often than not, married policyholders will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Cypress as well, where the difference is around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Another factor taken into consideration is your living situation. Renters can expect to pay around $12 a month more than those who own their own home in Cypress. Those who live with their parents, however, can expect to pay a lot 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
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 Cypress had been decreasing from 2016-2017, but leveled out in 2020. Rates have been increasing since then, and recently reached a high of $90 a month in 2021.
How does Cypress compare to neighboring areas?
Why are car insurance rates in Cypress different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Number of drivers in the community
- Regional laws
- Off-street parking availability
- Road Safety (total number of local car accidents)
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 Cypress?
While getting familiar with 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.
But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Cypress.
Cypress Insurance FAQs
What factors affect car insurance quotes in Cypress?
Car insurance companies calculate quotes based on a wide array of factors. These 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 Cypress different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
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.