Friendswood, TX Car Insurance

Drivers in Friendswood pay around $67 a month for their car insurance. To learn more about car insurance rates in the Friendswood area, read our guide below.
What rates can residents of Friendswood expect to pay for their car insurance? Compared to their surrounding area, how do rates in Friendswood stack up? What about against 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 Friendswood?

Area Average Monthly Car Insurance Premium
Friendswood$67
TX$65
United States$81

According to the chart above, the rates you'll pay for coverage in Friendswood are on par with what you would pay anywhere else in Texas.

When stacked up against the national average, the average monthly policy payment for Friendswood is more affordable. On average, it's about $14 less to insure your vehicle in Friendswood than it is in the rest of the U.S.

While these are the average car insurance rates for Friendswood, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've broken down the average rates for Friendswood to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$107
25-34$60
35-44$52
45-54$59
55-64$50
65+$49

Generally, the older you are the more experienced you are behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up a bit in Friendswood.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$69

Although women typically pay less than men do for auto insurance, this is not the case in Friendswood, where female drivers pay around $5 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$110
1 Ticket$74
Multiple Tickets$158

Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Friendswood with a single accident on their record will usually see rates around $94 a month. In addition, drivers with one ticket can expect to pay around $74 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$48
4-5 Years$56
6-7 Years$68
8-10 Years$68
11-14 Years$71
15 Years or Older$65

In terms of affordable coverage, the cheapest vehicles to insure in Friendswood are usually SUVs, at $55 per month.

Car owners will see rates of about $74, while truck and van owners typically pay around $56 per month.

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, your rates may start to drop back down once your car is around 5 years old. In Friendswood, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$74
Married$56
Divorced$56
Widowed$56

Generally speaking, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Friendswood as well, where the difference is around $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$66
Live with parents$90

Another factor taken into consideration is your living situation. Homeowners in Friendswood can expect to pay around $6 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 car insurance premiums, depending on your insurance company.

Car Insurance Companies in Friendswood, TX

Recent trends in car insurance for Friendswood drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

Auto insurance rates in Friendswood had been increasing from 2017-2018, but began to decrease from 2019-2020, when they reached a low of $55. Policy premiums finished down in 2022, at $79 a month.

How does Friendswood compare to neighboring areas?

Why are car insurance rates in Friendswood different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

  • Community laws
  • Total amount of drivers in the community
  • General road safety (how many accidents each locality has)
  • Amount of off-street parking
  • Crime levels

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. 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 Friendswood?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Friendswood in no time.

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Friendswood Insurance FAQs

What factors affect car insurance quotes in Friendswood?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Friendswood 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 Friendswood?

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 Friendswood?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?

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 Friendswood 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.

Find your best rate in just a few minutes