Flower Mound, TX Car Insurance

Residents of Flower Mound pay around $69 monthly for their car insurance coverage. To learn more about policy rates and coverage in the Flower Mound area, continue reading our guide below.
What can Flower Mound residents expect to pay for their car insurance? How does Flower Mound compare to the surrounding area and the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Flower Mound?

Area Average Monthly Car Insurance Premium
Flower Mound$69
TX$64
United States$80

As you can tell from the chart above, the cost of coverage in Flower Mound is about $5 a month more expensive than the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Flower Mound is rather affordable. The average monthly payment for the United States as a whole is about $11 more expensive than in Flower Mound.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

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 policy will cost you. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$382
18-24$107
25-34$51
35-44$50
45-54Not Enough Data
55-64$44
65+$47

It would make sense that older drivers have more driving experience, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Flower Mound.

Average Car Insurance Rates by Gender

Gender Average
Male$74
Female$61

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Flower Mound, male drivers pay about $13 more per month. Based on the chart above, you can see that female drivers pay around $61 on average, while male drivers typically pay $74 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$92
Multiple Accidents$102
1 Ticket$113
Multiple Tickets$57

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Flower Mound with one accident will pay around $92 a month. Similarly, drivers with one ticket will typically pay around $113 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$62
2-3 Years$58
4-5 Years$51
6-7 Years$70
8-10 Years$60
11-14 Years$82
15 Years or Older$67

The cheapest vehicles to insure in Flower Mound are by and large SUVs, with each type typically costing about $61 per month.

SUV owners, on the other hand, typically pay around $61 a month, while truck and van drivers can expect to pay about $86 per month for car insurance.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Flower Mound, 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)$81
Married$48
Divorced$44
Widowed$54

Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

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 $33 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$56
Live with parents$109

Your living situation is another component of how insurance companies calculate your monthly rate. In Flower Mound, homeowners can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

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.

The cost of car insurance in Flower Mound went up from 2016-2018, before steadying out in 2019. Insurance rates finished down in 2021, at $46 a month

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. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Rate of crime
  • Road Safety (how many accidents each locality has)
  • Number of drivers in the area
  • Local regulations
  • Off-street parking availability

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing 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 Flower Mound?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Flower Mound in no time.

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Flower Mound Insurance FAQs

What factors affect car insurance quotes in Flower Mound?

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 driving record, credit score, address, and marital status.

Why is the cost of car insurance in Flower Mound different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Flower Mound?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Flower Mound?

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 Flower Mound 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.

Find your best rate in just a few minutes