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How much is car insurance in League City?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $5 a month more expensive to insure your vehicle in League City than it is in the rest of Texas.
If you're thinking of moving to League City from out of state, you may still be in luck. You can expect to pay about $11 less for your policy in League City than in the rest of U.S.
While these are the average car insurance rates for League City, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't worry, we've done the work for you and broken down the average rates for League City to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $63 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up a bit in League City.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In League City, however, men actually pay a bit less than female drivers for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In League City, having a single accident on your record will usually get you rates around $78 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $74 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$64|
The cheapest vehicles to insure in League City are by and large SUVs, trucks, and vans, with each type typically costing about $67 per month.
The bill for car owners, on the other hand, is closer to $70 a month.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In League City, the most expensive vehicles to insure are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in League City is about $12 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in League City, expect to pay around $9 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in League City, TX
Recent trends in car insurance for League City drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In League City, car insurance rates increased from 2016-2018, when they reached a high of $76. This changed in 2019, when rates began to decrease. They hit a low of $58 in 2020, and finished at $68 in 2021.
How does League City compare to neighboring areas?
Why are car insurance rates in League City different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. 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 number of drivers in the community
- Crime rates
- Community laws
- Off-street parking availability
- Road Safety (frequency of local car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 League City?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in League City.
League City Insurance FAQs
What factors affect car insurance quotes in League City?
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 League City different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in League City?
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 League City?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to League City 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.