Flower Mound, TX Car Insurance

Are rates in Flower Mound higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What can Flower Mound residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Flower Mound?

As you can tell by looking at the chart above, auto insurance rates in Flower Mound are about the same as the rest of Texas.

When stacked up against the national average, the average monthly policy payment for Flower Mound is more affordable. You can expect to pay about $13 below the national average for auto insurance in Flower Mound.

Although these are the average monthly costs for an auto insurance policy in Flower Mound, that doesn't mean it's exactly what you'll pay. 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 done the heavy lifting for you and broken down the average rate for Flower Mound so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Flower Mound Car Insurance Rates by Age

The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.

For every ten years older you get, 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 Flower Mound.

Flower Mound Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. In Flower Mound, the difference comes out to about $13 per month. As you can see in the chart above, car insurance for women in the area typically costs around $59 each month, while men pay $72 on average.

Flower Mound Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Flower Mound, drivers with one accident on their record will experience rates around $93 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $85 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Flower Mound Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Flower Mound are by and large SUVs, at $58 per month.

Car owners can expect to pay an average of around $66 a month for their policy, while truck and van drivers are usually around $82 to insure each 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 bill start to shrink a bit. In Flower Mound, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Flower Mound Car Insurance Rates by Relationship Status

More often than not, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Flower Mound, with married couples paying about $29 less per month.

Flower Mound Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than drivers who own property in Flower Mound. But those who live at home with their parents can expect to pay significantly 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 Flower Mound, TX

Recent trends in car insurance for Flower Mound 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.

In Flower Mound, the rates for car insurance had been increasing from 2017-2018 -- where they hit a high of $89 -- before steadying out in 2019. Car insurance rates went up again in 2020, and finished down at $47 in 2022.

How does Flower Mound compare to neighboring areas?

Why are car insurance rates in Flower Mound different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Road safety
• Regional crime rates
• Access to off-street parking
• Community laws
• Total number of drivers

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 Flower Mound?

While knowing 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.

Don't worry, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Flower Mound in no time.

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Flower Mound Auto Insurance FAQs

What factors affect car insurance quotes in Flower Mound?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Flower Mound 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 Flower Mound?

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 Flower Mound?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Flower Mound 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.