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How much is car insurance in Keller?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $4 a month cheaper than the rates drivers pay in Keller.
That being said, car insurance rates in Keller are more affordable than the national average. Car insurance rates for the U.S. as a whole are, on average, $11 more expensive than the rates you'd pay in Keller.
These rates may be the average amount drivers in Keller pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Keller residents based on several different factors so that you can get a more accurate idea of what you might 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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Keller Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you've spent on the road, the more experience you have. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may start to rise again in Keller.
Keller Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While female drivers pay slightly less than male drivers on their monthly auto coverage, the difference in Keller is only about $2 a month.
Keller Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Keller with one accident will pay around $78 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $86.
Keller Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$65|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Keller, with drivers paying around $63 per month for auto insurance coverage.
SUV drivers will see rates of about $65 for car insurance, while car owners typically pay around $72 per month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Keller, vehicles eight-to-ten years old are the most expensive to insure.
Keller Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
More often than not, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Keller can be as much as $14 a month, so it's worth keeping that in mind.
Keller Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $9 a month more than drivers who own property in Keller. But those who live at home with their parents can expect to pay significantly 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 Keller, TX
Recent trends in car insurance for Keller 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.
Auto insurance rates in Keller declined from 2017-2019, when they reached a low of $56. This trend leveled out in 2020, when they began to increase, and have continued on that road through the present, where policy premiums finished at $82 a month.
How does Keller compare to neighboring areas?
Why are car insurance rates in Keller different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Local crime rates
- Road safety
- Total number of drivers in the area
- Regional regulations
- Off-street parking access
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Keller?
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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Keller.
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Keller Auto Insurance FAQs
What factors affect car insurance quotes in Keller?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Keller different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Keller?
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 Keller?
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?
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 Keller 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.
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