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How much is car insurance in Kyle?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month cheaper to insure your vehicle in Kyle than it is in the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Kyle are below the national average. It's about $23 cheaper than the national average to insure your vehicle in Kyle.
Bear in mind that while these rates are the average costs for residents of Kyle, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Kyle residents 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, simply enter your ZIP Code below to learn more about rates in your area!
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Kyle Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
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 bills. As you can see, 18-24-year-olds pay $47 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Kyle may see their rates climb back up a bit once they hit retirement age.
Kyle Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Kyle, where male drivers pay about $10 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $52 each month, while men pay $62 on average.
Kyle Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay much less than those with infractions. In Kyle, a driving record with one accident will usually get you a rate around $58 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $66.
Kyle Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$55|
If you look at the first table above, the cheapest vehicles to insure in Kyle are by and large cars, at $56 per month.
Truck and van drivers will see rates of about $58 for insurance coverage, while SUV owners usually pay around $61 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Kyle, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Kyle Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
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.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Kyle is no exception, with the difference totaling to around $16 a month.
Kyle Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Another factor taken into consideration is your housing status. Those who own their own home in Kyle can expect to pay around $11 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Kyle, TX
Recent trends in car insurance for Kyle 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.
In Kyle, auto insurance rates rose from 2017-2019, when they hit a low of $46. This leveled out in 2020, when policy premiums started to rise. They reached a high of $72 in 2021, and finished down in 2022, at $52 per month.
How does Kyle compare to neighboring areas?
Why are car insurance rates in Kyle different from other areas?
Car insurance companies look at many factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Total drivers
- Area laws
- Crime rates
- Amount of off-street parking
- Rate of car accidents
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. 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 Kyle?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Kyle.
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Kyle Auto Insurance FAQs
What factors affect car insurance quotes in Kyle?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Kyle different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Kyle?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Kyle?
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 Kyle 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.
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