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How much is car insurance in Leander?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Leander are about the same as the rest of Texas.
Similarly, car insurance rates in Leander are more affordable than the national average. It's about $18 cheaper than the national average to insure your vehicle in Leander.
Keep in mind that while these are the average car insurance rates for Leander, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for Leander to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Leander Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up in Leander.
Leander Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in Leander, where female drivers pay around $67 per month while male drivers pay about $58.
Leander Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Leander, a driving record with one accident will usually get you a rate around $85 a month. In addition, drivers with one ticket can expect to pay around $72 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Leander Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$59|
The most affordable vehicles to insure in Leander are by and large SUVs, which run about $59 per month.
Truck and van drivers will see rates of about $60 for car insurance coverage, while car owners typically pay around $65 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. In Leander, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Leander Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The cost of auto insurance in Leander reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.
Leander Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $7 a month more than drivers who own property in Leander. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Leander, TX
Recent trends in car insurance for Leander drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Leander, auto insurance rates rose from 2017-2018 -- where they reached a high of $75-- before leveling out in 2019. Car insurance rates had been increasing once again in 2021, and have continued rising through 2022, where they finished at $64 per month.
How does Leander compare to neighboring areas?
Why are car insurance rates in Leander different from other areas?
There are several factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Local laws
- Access to off-street parking
- Local crime rates
- Amount of drivers
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Leander?
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.
Luckily, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Leander.
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Leander Auto Insurance FAQs
What factors affect car insurance quotes in Leander?
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Leander 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 Leander?
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 Leander?
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 Leander 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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