Deer Park, TX Car Insurance

Residents of Deer Park pay, on average, about $72 per month for car insurance. For information on policy rates, coverage, and more check out our guide below.
Compared to their surrounding area, how do rates in Deer Park stack up? What about against the rest of Texas? What rates can residents of Deer Park expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Deer Park?

Area Average Monthly Car Insurance Premium
Deer Park$72
TX$65
United States$81

Car insurance policies across the rest of Texas are about $7 a month cheaper than the rates drivers pay in Deer Park.

If you're thinking of moving to Deer Park from out of state, you may still be in luck. You can expect to pay about $9 less for your policy in Deer Park than in the rest of United States.

Keep in mind that while these are the average car insurance rates for Deer Park, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down average rates for Deer Park residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$116
25-34$69
35-44$52
45-54Not Enough Data
55-64$43
65+$52

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $64 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may begin to increase again in Deer Park.

Average Car Insurance Rates by Gender

Gender Average
Male$71
Female$74

In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Deer Park is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$171
1 Ticket$103
Multiple Tickets$128

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Deer Park with a single accident on their record is about $68 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $103.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$56
2-3 Years$58
4-5 Years$58
6-7 Years$63
8-10 Years$62
11-14 Years$84
15 Years or Older$78

In Deer Park, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $67 per month for insurance coverage.

SUV drivers will see rates of about $75 for auto insurance coverage, while car owners typically pay around $74 a month.

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. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Deer Park, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$83
Married$53
Divorced$47
Widowed$43

Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Deer Park follows that pattern, with the difference totaling to around $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$77
Live with parents$105

Another factor taken into consideration is your housing status. In Deer Park, homeowners can expect to pay around $24 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.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Deer Park, TX

Recent trends in car insurance for Deer Park drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

In Deer Park, the rates for auto insurance had been increasing from 2017-2018 -- where they hit a high of $86-- before steadying out in 2019. Policy premiums went up once again in 2020, and have continued rising through 2022, where they finished at $152 per month.

How does Deer Park compare to neighboring areas?

Why are car insurance rates in Deer Park different from other areas?

There are many factors car insurance companies will consider when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking accessibility
  • General road safety (how many accidents each locality has)
  • Total amount of drivers in the community
  • Crime rates
  • Area regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Deer Park?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Deer Park.

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Deer Park Insurance FAQs

What factors affect car insurance quotes in Deer Park?

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

Why is the cost of car insurance in Deer Park 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 Deer Park?

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 Deer Park?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Deer Park or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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