Missouri City, TX Car Insurance

On average, Missouri City drivers pay around $71 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How does Missouri City compare to the surrounding area and the rest of Texas? What rates can residents of Missouri City expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Missouri City?

Area Average Monthly Car Insurance Premium
Missouri City$71
TX$64
United States$80

As you can tell from the chart above, the cost of coverage in Missouri City is about $7 a month more expensive than the rest of Texas.

If you're thinking of moving to Missouri City from out of state, you may still be in luck. You can expect to pay about $9 below the national average for auto insurance in Missouri City.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Missouri City residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP 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$121
25-34$65
35-44$66
45-54$58
55-64$52
65+$58

It makes sense that older drivers would have more experience behind the wheel. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $63 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Missouri City.

Average Car Insurance Rates by Gender

Gender Average
Male$72
Female$69

Male drivers pay, on average. slightly more than female drivers for auto insurance. The price for auto insurance in Missouri City, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$132
1 Ticket$152
Multiple Tickets$184

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Missouri City, having a single accident on your record will usually get you rates around $80 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $152.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$66
2-3 Years$61
4-5 Years$62
6-7 Years$77
8-10 Years$78
11-14 Years$68
15 Years or Older$68

As you can see in the first table above, the cheapest vehicles to insure in Missouri City are by and large trucks and vans, which run about $64 per month.

Car owners, on the other hand, usually pay around $73 a month, while SUV drivers can expect to pay about $67 per month for auto insurance coverage.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Missouri City, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$79
Married$58
Divorced$58
Widowed$55

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

According to the table above, the difference in rates based on relationship status in Missouri City can be as much as $21 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$71
Live with parents$102

Your living situation is another factor that affects your monthly rate. In Missouri City, homeowners can expect to pay around $9 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.

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 Missouri City, TX

Recent trends in car insurance for Missouri City drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The rates for auto insurance in Missouri City rose from 2016-2018, before leveling out in 2019. They finished up in 2021, at $88 a month

How does Missouri City compare to neighboring areas?

Why are car insurance rates in Missouri City different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Amount of off-street parking
  • Crime levels
  • Number of car accidents
  • Regional regulations
  • Number of drivers

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. With the knowledge 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 Missouri City?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Missouri City in no time.

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Missouri City 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 age and gender, 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 Missouri City different from other neighboring cities?

Local laws, parking situations, 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 Missouri City?

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 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?

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 Missouri City 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