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How much is car insurance in Edinburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Edinburg as it does in the rest of Texas.
Likewise, when compared to the national average, the cost for auto insurance in Edinburg is lower. It's around $16 less to insure your vehicle compared to the average rate for the United States as a whole.
Keep in mind that while these are the average car insurance rates for Edinburg, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Edinburg and broken down the different factors to help you understand what your monthly bill might look like. 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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Edinburg Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $37 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Edinburg.
Edinburg Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Edinburg, however, the difference in monthly policy premiums is minimal.
Edinburg Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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. Drivers in Edinburg with a single accident on their record will usually see rates around $80 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $73.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Edinburg Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$58|
In Edinburg, the cheapest vehicles to insure are typically SUVs, with drivers paying around $57 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $68 per month, while truck and van drivers can expect to pay about $59 a month for car insurance coverage.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Edinburg, the most expensive vehicles to insure are vehicles six-to-seven years old.
Edinburg Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Edinburg reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $17 a month.
Edinburg Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
One other element taken into consideration is your housing situation. In Edinburg, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Edinburg, TX
Recent trends in car insurance for Edinburg drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Edinburg, car insurance rates rose from 2017-2018, before steadying out in 2019. Rates increased again, hitting a high of $75 in 2021, and finished down at $54 in 2022.
How does Edinburg compare to neighboring areas?
Why are car insurance rates in Edinburg different from other areas?
Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Number of drivers
- Area regulations
- Rate of car accidents
- Amount of off-street parking
- Rate of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Edinburg?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Edinburg.
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Edinburg Auto Insurance FAQs
What factors affect car insurance quotes in Edinburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Edinburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Edinburg?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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.
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