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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 often favorable when viewed against the rest of the country. You can expect to pay about $19 less for your policy in Leander than in the rest of U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Leander to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, 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|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Leander may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Leander, although men do pay a bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Leander, a driving record with a single accident will usually get you a rate around $79 a month. Similarly, drivers with one ticket will typically pay around $86 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$60|
According to the first table above, the cheapest vehicles to insure in Leander are typically SUVs, trucks, and vans, at $60 per month.
Car owners, meanwhile, pay on average $62 a month for insurance.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Leander are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
More often than not, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Leander can be as much as $18 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $5 a month more than drivers who own property in Leander. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Leander, TX
Recent trends in car insurance for Leander 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 Leander, the rates for car insurance went up from 2016-2018, before leveling out in 2019. Insurance rates finished up in 2021, at $57 per month
How does Leander compare to neighboring areas?
Why are car insurance rates in Leander different from other areas?
Car insurance companies look at several factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (how many accidents each locality has)
- Total number of drivers in the region
- Crime levels
- Off-street parking accessibility
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Leander?
While getting familiar with 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.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in Leander.
Leander Insurance FAQs
What factors affect car insurance quotes in Leander?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Leander different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 however, 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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. 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?