Katy, TX Car Insurance

Drivers in Katy pay around $75 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How does Katy stack up to the rest of the area, or even Texas as a whole? What rates can residents of Katy 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:  

How much is car insurance in Katy?

Area Average Monthly Car Insurance Premium
Katy$75
TX$64
United States$80

You can see in the chart above that it's around $11 a month more expensive to insure your vehicle in Katy than it is in the rest of Texas.

However, when compared to the national average, the cost for auto insurance in Katy is lower. On average, it's about $5 less to insure your vehicle in Katy than it is in the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Katy, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Katy so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$128
25-34$65
35-44$61
45-54$57
55-64$52
65+$60

It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Katy.

Average Car Insurance Rates by Gender

Gender Average
Male$77
Female$72

On average, female drivers pay slightly less than male drivers for car insurance. In Katy, the difference comes out to about $5 a month. As you can see in the table above, female drivers in the area typically pay $72 on average, while female drivers typically pay $77 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$109
Multiple Accidents$124
1 Ticket$100
Multiple Tickets$132

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Katy with a single accident will pay around $100 a month. In addition, drivers with a single ticket on their record can expect to pay around $109 a month 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.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$73
4-5 Years$67
6-7 Years$69
8-10 Years$75
11-14 Years$79
15 Years or Older$76

In terms of affordable coverage, the cheapest vehicles to insure in Katy are usually SUVs, at $70 per month.

Car owners, on the other hand, typically pay around $77 per month, while truck and van drivers can expect to pay about $72 a month for insurance coverage.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Katy, for example, are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$85
Married$58
Divorced$60
Widowed$64

More often than not, married policyholders will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

In Katy, the difference in rates based on relationship status can be as much as $27 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$66
Rent$72
Live with parents$116

Another factor taken into consideration is your housing situation. Those who own their own home in Katy can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Katy, TX

Recent trends in car insurance for Katy drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

Car insurance rates in Katy decreased from 2016-2017, but began to increase in 2020. This trend has continued through the present, where they reached a high of $83 per month.

How does Katy compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Community regulations
  • Local crime rates
  • Off-street parking access
  • Total number of drivers in the area
  • Road safety

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. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Katy?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Katy.

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Katy Insurance FAQs

What factors affect car insurance quotes in Katy?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Katy 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 parking situations, local laws, 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 Katy?

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 Katy?

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?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Katy or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes