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How much is car insurance in New Braunfels?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in New Braunfels typically costs about $7 a month less than it does in the rest of Texas.
Compared to the national average cost of auto insurance coverage, New Braunfels has lower rates. Car insurance rates for the United States as a whole are, on average, $23 more expensive than the rates you'd pay in New Braunfels.
While these are the average car insurance rates for New Braunfels, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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 worry, we've done the work for you and broken down average rates for New Braunfels to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $45 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates begin to go back up once you hit retirement age in New Braunfels.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in New Braunfels, where male drivers pay about $4 more per month. Based on the chart above, you can see that female drivers pay around $56 on average, while male drivers typically pay $60 each month.
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 lower rates than those with infractions. In New Braunfels, having a single accident on your record will usually get you rates around $73 a month. Likewise, drivers with one ticket will be looking at a rate of around $70 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$55|
In New Braunfels, the cheapest vehicles to insure are usually SUVs, trucks, and vans, with drivers paying around $56 per month for insurance.
Car owners, meanwhile, pay on average $59 a month for auto insurance coverage.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In New Braunfels, the most expensive vehicles to insure are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
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 $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in New Braunfels. 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
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 car insurance coverage in New Braunfels increased from 2017-2018, where it hit a high of $70, before steadying out in 2019. Insurance rates rose again in 2020, and finished down at $47 in 2022.
How does New Braunfels compare to neighboring areas?
Why are car insurance rates in New Braunfels different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Local crime rates
- Amount of drivers in the area
- Area laws
- Off-street parking accessibility
- Frequency of car accidents
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in New Braunfels?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in New Braunfels.
New Braunfels Insurance FAQs
What factors affect car insurance quotes in New Braunfels?
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 vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in New Braunfels 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 New Braunfels?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to New Braunfels?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to New Braunfels or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.