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How much is car insurance in Missouri City?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Missouri City will typically run you about $7 a month more than in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Missouri City is more affordable. Car insurance rates for the United States as a whole are, on average, $8 more expensive than the rates you'd pay in Missouri City.
Keep in mind that these are the average auto insurance rates for Missouri City, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Missouri City so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Missouri City Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $62 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement age, your rates may start to rise again in Missouri City.
Missouri City Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The price to insure your vehicle in Missouri City, however, is about the same for either group.
Missouri City Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Missouri City, a driving record with one accident will usually get you a rate around $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $89.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Missouri City Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$69|
The most affordable vehicles to insure in Missouri City are by and large trucks and vans, which run about $63 per month.
Car owners can expect to pay an average of around $75 a month for their policy, while SUVs usually cost around $68 a month to insure.
Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Missouri City, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Missouri City Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Missouri City is about $21 a month, with married couples paying less for coverage than single drivers.
Missouri City Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners in Missouri City can expect to pay around $10 a month less than those who rent. 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 Missouri City, TX
Recent trends in car insurance for Missouri City 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.
The cost of auto insurance coverage in Missouri City had been increasing from 2017-2018, before steadying out in 2019. Policy premiums finished down in 2022, at $67 per month
How does Missouri City compare to neighboring areas?
Why are car insurance rates in Missouri City 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 mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Local regulations
- Road Safety (total number of local car accidents)
- Availability of off-street parking
- Rate of crime
- Number of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Missouri City?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Missouri City.
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Missouri City Auto Insurance FAQs
What factors affect car insurance quotes in Missouri City?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Missouri City 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 Missouri City?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Missouri City?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Missouri City 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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