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How much is car insurance in New Braunfels?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in New Braunfels are about $7 a month cheaper than in the rest of Texas.
Compared to the national average cost of auto insurance coverage, New Braunfels has lower rates. The average monthly payment in New Braunfels is about $23 cheaper than the rate for the rest of the United States.
Keep in mind that while these are the average car insurance rates for New Braunfels, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
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, simply enter your ZIP Code below and find out in just minutes!
Average 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 bills, that experience pays off. In this case, 18-24-year-olds pay $44 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement age in New Braunfels.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In New Braunfels, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In New Braunfels, drivers with one accident on their record will experience rates around $67 a month. In addition, drivers with one ticket can expect to pay around $120 a month 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||$45|
|15 Years or Older||$55|
If you look at the first table above, the cheapest vehicles to insure in New Braunfels are typically SUVs, at $56 per month.
Cars, trucks, and vans, on the other hand, usually cost about $57 for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In New Braunfels, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. New Braunfels is no exception, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor taken into consideration is your living accommodations. In New Braunfels, homeowners can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in New Braunfels, TX
Recent trends in car insurance for New Braunfels 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.
In New Braunfels, car insurance rates increased from 2016-2018 -- where they hit a high of $70-- before steadying out in 2019. Policy premiums went up once again in 2020, and have continued rising through 2021, where they finished at $63 per month.
How does New Braunfels compare to neighboring areas?
Why are car insurance rates in New Braunfels different from other areas?
Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Community regulations
- Off-street parking accessibility
- Road Safety (frequency of car accidents)
- Total number of drivers
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 New Braunfels?
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. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in New Braunfels.
New Braunfels Insurance FAQs
What factors affect car insurance quotes in New Braunfels?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in New Braunfels different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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 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 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.