Table of contents
How much is car insurance in Kyle?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 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 around $23 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average monthly costs for auto insurance coverage in Kyle, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down average rates for Kyle residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $49 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Kyle.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Kyle, the difference comes out to about $11 per month. As illustrated in the table above, female drivers in the area pay about $51 on average, while male drivers pay around $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. 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 Kyle, drivers with one accident on their record will experience rates around $63 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $80 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$56|
The most affordable vehicles to insure in Kyle are typically cars, which run about $56 per month.
Truck and van drivers will see rates of about $57 to insure their vehicle, while SUV owners by and large pay around $61 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Kyle are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
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 $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Kyle can expect to pay around $17 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.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Kyle, TX
Recent trends in car insurance for Kyle drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Kyle, car insurance rates have been mixed over the past few years. They rose in 2016, declined in 2018, and increased again in 2020, before finishing at $76 in 2021.
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. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Amount of off-street parking
- Road Safety (frequency of local car accidents)
- Area laws
- Regional crime rates
- Amount of drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Kyle?
While knowing 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.
Good news! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Kyle in no time.
Kyle 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, marital status, and address.
Why is the cost of car insurance in Kyle 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, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Kyle?
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 Kyle?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Kyle or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?