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How much is car insurance in Edinburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Edinburg are in line with rates across the rest of Texas.
If you're thinking of moving to Edinburg from out of state, you may still be in luck. You can expect to pay about $16 below the national average for auto insurance in Edinburg.
While these are the average car insurance rates for Edinburg, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've analyzed the average rate for Edinburg and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. 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 a decrease in your monthly premium drop about once a decade or so. Drivers in Edinburg may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Edinburg, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay less than those with infractions. Drivers in Edinburg with one accident will pay around $90 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $100.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$58|
If you look at the first table above, the cheapest vehicles to insure in Edinburg are by and large trucks and vans, at $55 per month.
Car owners can expect to pay an average of around $68 a month for their policy, while SUVs usually cost around $57 a month to insure.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Edinburg, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Edinburg can be as much as $17 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Edinburg, expect to pay around $12 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Edinburg, TX
Recent trends in car insurance for Edinburg drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for auto insurance in Edinburg declined from 2016-2017, when they hit a low of $61. This pattern leveled out in 2020, when they began to rise, and have continued to do so through the present, where insurance rates finished at $84 per month.
How does Edinburg compare to neighboring areas?
Why are car insurance rates in Edinburg different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Rate of car accidents
- Number of drivers in the region
- Off-street parking availability
- Local crime rates
- Local regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Edinburg?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Edinburg.
Edinburg Insurance FAQs
What factors affect car insurance quotes in Edinburg?
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 gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Edinburg different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Edinburg?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Edinburg?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Edinburg or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.