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How much is car insurance in Elmendorf?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Elmendorf as it does in the rest of Texas.
Likewise, when compared to the national average, the cost for auto insurance in Elmendorf is lower. You can expect to pay about $16 below the national average for auto insurance in Elmendorf.
While these numbers are the average rates for auto insurance in Elmendorf, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 payment amount.
Don't sweat it however, we've broken down average rates for Elmendorf residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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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Elmendorf Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may rise again in Elmendorf.
Elmendorf Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Elmendorf, male drivers pay about $11 more per month. Based on the chart above, you can see that female drivers pay around $58 on average, while male drivers typically pay $69 each month.
Elmendorf Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Elmendorf with one accident will pay around $102 a month. In addition, drivers with one ticket can expect to pay around $69 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Elmendorf Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$54|
According to the first table above, the cheapest vehicles to insure in Elmendorf are by and large SUVs, at $60 per month.
Car owners, on the other hand, usually pay around $66 a month, while truck and van drivers can expect to pay about $67 per month for car insurance.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Elmendorf, the most expensive vehicles to insure are vehicles six-to-seven years old.
Elmendorf Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Overall, 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 some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Elmendorf as well, where the difference is around $5 a month.
Elmendorf Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$113|
One other element taken into consideration is your living situation. Renters can expect to pay around $1 a month more than those who own their own home in Elmendorf. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Elmendorf, TX
Recent trends in car insurance for Elmendorf 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 cost of auto insurance coverage in Elmendorf had been increasing from 2017-2019, when they hit a low of $52. This shifted in 2020, when insurance rates started to rise. They reached a high of $77 in 2021, and finished down in 2022, at $56 a month.
How does Elmendorf compare to neighboring areas?
Why are car insurance rates in Elmendorf different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Total amount of drivers in the community
- Access to off-street parking
- Prevalence of crime
- Number of car accidents
- Area laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Elmendorf?
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.
But hold on! Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Elmendorf in no time.
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Elmendorf Auto Insurance FAQs
What factors affect car insurance quotes in Elmendorf?
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 Elmendorf 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 Elmendorf?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Elmendorf?
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Elmendorf or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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