Mission, TX Car Insurance

The average monthly cost for car insurance in Mission is about $65. Read our guide below to learn more about your specific rates.
How does Mission compare to the surrounding area and the rest of Texas? What rates can residents of Mission expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Mission?

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

According to the chart above, the rates you'll pay for coverage in Mission are on par with what you would pay anywhere else in Texas.

Car insurance rates in Mission are often favorable when viewed against the rest of the country. You can expect to pay about $16 below the national average for auto insurance in Mission.

Although these are the average car insurance rates in Mission, 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. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Mission so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$109
25-34$61
35-44$56
45-54Not Enough Data
55-64$48
65+$54

Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Mission.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$61

Car insurance rates for women are generally cheaper than they are for men. The difference in average rates in Mission totals about $7 per month. As you can see in the table above, male drivers in the area typically pay $68 on average, while female drivers typically pay $61 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$43
1 Ticket$107
Multiple Tickets$75

Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Mission with one accident will pay around $94 a month. Similarly, drivers with one ticket will typically pay around $107 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$78
4-5 Years$60
6-7 Years$72
8-10 Years$63
11-14 Years$69
15 Years or Older$57

The cheapest vehicles to insure in Mission are typically trucks and vans, with each type typically costing about $58 per month.

Car owners will see a monthly bill of about $69, while SUV owners by and large pay around $60 a month.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Mission, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$69
Married$59
Divorced$55
Widowed$52

More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Mission as well, where the difference is around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$66
Live with parents$87

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Mission, expect to pay around $5 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

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 average premiums.

Car Insurance Companies in Mission, TX

Recent trends in car insurance for Mission drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

The rates for car insurance in Mission have been mixed as of late, they rose in 2017, declined in 2019, and increased again in 2021, before finishing at $75 in 2022.

How does Mission compare to neighboring areas?

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

There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • General road safety (how many accidents each locality has)
  • Total drivers
  • Amount of off-street parking
  • Regional laws
  • Area crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Mission?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Mission.

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Mission Insurance FAQs

What factors affect car insurance quotes in Mission?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

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

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Mission?

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 Mission?

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?

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 Mission 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.

Find your best rate in just a few minutes