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How much is car insurance in New Caney?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in New Caney are about $4 a month more expensive than the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in New Caney. The average monthly payment in New Caney is about $12 less than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in New Caney, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've done the heavy lifting for you and broken down the average rate for New Caney so that you can get a more accurate idea of what your monthly bill might be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to go back up in New Caney.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In New Caney, the difference comes out to about $5 a month. Looking at the table above, you can see that female drivers pay around $66 on average, while male drivers typically pay $71 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In New Caney, drivers with one accident on their record will experience rates around $68 a month. Similarly, drivers with one ticket will typically pay around $119 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$60|
In terms of affordable coverage, the cheapest vehicles to insure in New Caney are usually SUVs, at $66 per month.
SUV owners, on the other hand, by and large pay around $66 per month, while truck and van drivers can expect to pay about $69 a month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. 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 Caney, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
Overall, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. New Caney is no exception, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than drivers who own property in New Caney. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in New Caney, TX
Recent trends in car insurance for New Caney 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 rates for auto insurance in New Caney had been increasing from 2016-2017, before leveling out in 2018. Policy premiums rose again recently, reaching a high of $75 in 2021.
How does New Caney compare to neighboring areas?
Why are car insurance rates in New Caney different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Access to off-street parking
- Regional crime rates
- Total amount of drivers in the area
- Area regulations
- Road Safety (frequency of local car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Caney?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! 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 New Caney in no time.
New Caney Insurance FAQs
What factors affect car insurance quotes in New Caney?
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, address, and marital status.
Why is the cost of car insurance in New Caney different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, 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 Caney?
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 Caney?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Caney 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.