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How much is car insurance in Katy?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $14 a month cheaper than the rates drivers pay in Katy.
Compared to the national average cost of auto insurance coverage, Katy has lower rates. You can expect to pay about $1 less for your policy in Katy than in the rest of United States.
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. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect 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 you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Katy 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 car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $63 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Katy.
Katy Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay slightly less than male drivers on their monthly auto coverage, the difference in Katy is only about $3 per month.
Katy Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Katy, having a single accident on your record will usually get you rates around $103 a month. In addition, drivers with one ticket can expect to pay around $91 a month on average.
Katy Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$79|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Katy, with drivers paying around $74 per month for insurance coverage.
Car owners can expect to pay an average of around $81 a month for their policy, while truck and van drivers are usually around $75 to insure each month.
Vehicle age has an impact on the cost of your policy as well. 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 Katy, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Katy Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
Overall, 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 some companies will reward with discounts.
In Katy, the difference in rates based on relationship status can be as much as $28 a month.
Katy Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$115|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Katy. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Katy, TX
Recent trends in car insurance for Katy drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Katy, car insurance rates rose from 2017-2018, before steadying out in 2019. Car insurance rates have been increasing again recently, and finished up at $103 in 2022.
How does Katy compare to neighboring areas?
Why are car insurance rates in Katy different from other areas?
Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Total amount of drivers in the area
- Area laws
- Off-street parking access
- Prevalence of crime
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Katy.
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Katy Auto Insurance FAQs
What factors affect car insurance quotes in Katy?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
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 local laws, crime rates, and parking situations 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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Katy 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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