Leander, TX Car Insurance

Residents of Leander pay, on average, about $62 per month for car insurance. To learn more about what you're likely to pay in the Leander area, read our guide below.
How much can residents of Leander expect to pay for their car insurance? How do rates in Leander measure up compared to neighboring areas, including Texas as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Leander?

Area Average Monthly Car Insurance Premium
Leander$62
TX$65
United States$81

Based on the chart above, you can see that the costs for coverage in Leander are in line with rates across the rest of Texas.

Compared to the national average cost of auto insurance coverage, Leander has lower rates. Auto insurance coverage in Leander is about $19 cheaper than it is for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Leander, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The monthly premium you'll see 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 average rates for Leander to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$101
25-34$55
35-44$57
45-54Not Enough Data
55-64$40
65+$47

The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Leander drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$65

While women typically pay less than men do for auto insurance, Leander defies this trend. Female drivers typically pay around $6 more per month to insure their vehicle than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$68
1 Ticket$74
Multiple Tickets$81

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Leander with a single accident on their record is about $80 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.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$64
2-3 Years$53
4-5 Years$62
6-7 Years$52
8-10 Years$67
11-14 Years$67
15 Years or Older$59

If you look at the first table above, the cheapest vehicles to insure in Leander are by and large SUVs, at $59 per month.

Truck and van drivers will see rates of about $60, while the rates for car owners average out to about $64 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Leander are vehicles eleven-to-fourteen years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$50
Divorced$48
Widowed$40

On average, those who are currently married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Leander can be as much as $18 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$60
Live with parents$98

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $7 a month more than homeowners in Leander. But those who live at home with their parents can expect to pay significantly 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

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of car insurance coverage in Leander had been increasing from 2017-2018, before steadying out in 2019. Rates finished down in 2022, at $58 per month

How does Leander compare to neighboring areas?

Why are car insurance rates in Leander different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

  • Off-street parking accessibility
  • Frequency of car accidents
  • Crime rates
  • Regional laws
  • Number of drivers

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Leander?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But wait! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Leander.

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Leander Insurance FAQs

What factors affect car insurance quotes in Leander?

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 address, driving record, credit score, and marital status.

Why is the cost of car insurance in Leander different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, 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 Leander?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Leander?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. 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 Leander or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes