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How much is car insurance in New Braunfels?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in New Braunfels is about $8 cheaper than it is in the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in New Braunfels are below the national average. You can expect to pay about $23 below the national average for auto insurance in New Braunfels.
While these are the average monthly costs for auto insurance coverage in New Braunfels, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for New Braunfels and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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New Braunfels Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot 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. You may see your rates climb back up a bit once you hit retirement age in New Braunfels.
New Braunfels Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In New Braunfels, however, the difference in the monthly cost of coverage is minimal.
New Braunfels Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In New Braunfels, drivers with one accident on their record will experience rates around $74 a month. In addition, drivers with a single ticket on their record can expect to pay around $70 a month on average.
New Braunfels Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$55|
As you can see in the first table above, the cheapest vehicles to insure in New Braunfels are typically SUVs, trucks, and vans, which run about $55 per month.
The rate for car owners, however, is about $59 per 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 New Braunfels, the most expensive vehicles to insure are vehicles six-to-seven years old.
New Braunfels Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
More often than not, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. New Braunfels is no exception, with the difference totaling to around $13 a month.
New Braunfels Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
One other element taken into consideration is your living accommodations. In New Braunfels, homeowners can expect to pay around $9 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in New Braunfels, TX
Recent trends in car insurance for New Braunfels drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The rates for car insurance in New Braunfels went up from 2017-2018, where they hit a high of $70, before steadying out in 2019. Rates had been increasing again in 2020, and finished down at $49 in 2022.
How does New Braunfels compare to neighboring areas?
Why are car insurance rates in New Braunfels different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers in the region
- Community regulations
- Off-street parking availability
- Road Safety (frequency of local car accidents)
- Prevalence of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about 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 New Braunfels?
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.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in New Braunfels.
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New Braunfels Auto Insurance FAQs
What factors affect car insurance quotes in New Braunfels?
Car insurance companies calculate quotes based on a wide array of factors. These 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 New Braunfels 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in New Braunfels?
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 New Braunfels?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
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 New Braunfels 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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