Table of contents
How much is car insurance in Mission?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Mission are about the same as what you would pay anywhere else in Texas.
Drivers relocating from out of state may enjoy some cost savings in Mission. It's about $16 cheaper than the national average to insure your vehicle in Mission.
Bear in mind that while these rates represent the expected monthly payments for residents of Mission, it doesn't mean that'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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Mission residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up a bit in Mission.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This rings true in Mission, where women pay around $8 less per month than men. As you can see in the table above, female drivers in the area typically pay $59 on average, while female drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Mission, a driving record with one accident will usually get you a rate around $93 a month. Similarly, drivers with one ticket will typically pay around $52 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$51|
In terms of affordable coverage, the cheapest vehicles to insure in Mission are by and large trucks and vans, at $58 per month.
SUV drivers will see rates of about $60 to insure their car, while car owners typically pay around $67 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Mission are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Mission is about $9 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||$90|
Another factor taken into consideration is your housing status. Renters can expect to pay around $1 a month more than drivers who own property in Mission. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Mission, TX
Recent trends in car insurance for Mission 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 deciding when and where to shop.
In Mission, car insurance rates increased from 2016-2018, when they hit a high of $68, but started to turn downward from 2019-2020. They finished up in 2021, at $65.
How does Mission compare to neighboring areas?
Why are car insurance rates in Mission different from other areas?
Car insurance companies will consider several factors when trying to decide 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 park your car. These include things like:
- Off-street parking access
- Local crime rates
- Amount of drivers in the community
- Regional regulations
- Road Safety (how many accidents each locality has)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Mission?
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 hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Mission.
Mission Insurance FAQs
What factors affect car insurance quotes in Mission?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Mission 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 local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Mission?
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 Mission?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Mission or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?