Katy, TX Car Insurance

On average, Katy drivers pay around $77 a month for their car insurance. Read our guide below to learn more about your specific rates.
How does Katy compare to the surrounding area and the rest of Texas? What should residents of Katy expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Katy?

Area Average Monthly Car Insurance Premium
Katy$77
TX$65
United States$81

Car insurance policies across the rest of Texas are about $12 a month cheaper than the rates drivers pay in Katy.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Katy is rather affordable. The average monthly payment in Katy is about $4 cheaper than the rate for the rest of the U.S.

While these are the average car insurance rates for Katy, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get 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.

Don't sweat it however, we've broken down average rates for Katy residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$127
25-34$67
35-44$63
45-54$59
55-64$53
65+$66

The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay $61 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement in Katy.

Average Car Insurance Rates by Gender

Gender Average
Male$80
Female$73

Car insurance rates for men are usually slightly more expensive than they are for women. In Katy, the difference is around $7 a month. Looking at the table above, you can see that female drivers pay around $73 on average, while male drivers typically pay $80 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$100
Multiple Accidents$116
1 Ticket$89
Multiple Tickets$109

One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Katy, drivers with one accident on their record will experience rates around $100 a month. Likewise, drivers with one ticket will be looking at a rate of around $89 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$74
2-3 Years$75
4-5 Years$71
6-7 Years$73
8-10 Years$79
11-14 Years$80
15 Years or Older$77

As you can see in the first table above, the cheapest vehicles to insure in Katy are usually SUVs, which run about $70 per month.

Car owners, on the other hand, by and large pay around $80 per month, while truck and van drivers can expect to pay about $74 a month for car insurance coverage.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Katy, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$87
Married$59
Divorced$60
Widowed$64

More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Katy as well, where the difference is around $28 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$69
Rent$75
Live with parents$115

Your housing status is another factor that affects your monthly rate. In Katy, homeowners 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 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 average costs.

Car Insurance Companies in Katy, TX

Recent trends in car insurance for Katy drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

The cost of auto insurance in Katy rose from 2017-2018, before leveling out in 2019. They had been increasing again, reaching a high of $90 in 2021, and finished down at $89 in 2022.

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 lot of factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Total drivers
  • Availability of off-street parking
  • Crime rates
  • Rate of car accidents
  • Local regulations

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Katy?

While getting familiar with 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 does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies 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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Katy?

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?

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 Katy 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