New Caney, TX Car Insurance

On average, drivers in New Caney pay around $68 per month for their car insurance. To learn more about policy rates and coverage in the New Caney area, continue reading our guide below.
What rates should residents of New Caney expect to pay for their car insurance? Compared to their surrounding area, how do rates in New Caney stack up? What about against the rest of Texas? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in New Caney?

Area Average Monthly Car Insurance Premium
New Caney$68
TX$65
United States$81

Based on the chart above, you can see that the costs for coverage in New Caney are in line with rates across the rest of Texas.

That being said, the expected monthly payments for an auto insurance policy in New Caney are below the national average. The average monthly payment for the U.S. as a whole is about $13 more expensive than in New Caney.

These rates may be the average amount drivers in New Caney pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've analyzed the average rate for New Caney 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 below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$116
25-34$61
35-44$58
45-54$60
55-64$48
65+$55

It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may rise again in New Caney.

Average Car Insurance Rates by Gender

Gender Average
Male$72
Female$66

In general, female drivers pay less for car insurance than their male counterparts. In New Caney, the difference comes out to about $6 a month. As you can see in the chart above, car insurance for women in the area typically costs around $66 each month, while men pay $72 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$72
Multiple Accidents$131
1 Ticket$84
Multiple Tickets$88

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in New Caney with one accident will pay around $72 a month. Similarly, drivers with one ticket will typically pay around $84 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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
2-3 Years$97
4-5 Years$79
6-7 Years$78
8-10 Years$63
11-14 Years$74
15 Years or Older$60

In terms of affordable coverage, the cheapest vehicles to insure in New Caney are usually trucks and vans, at $65 per month.

Car owners will see a monthly rate of about $69, while SUV owners typically pay around $67 per month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in New Caney are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$73
Married$57
Divorced$58
Widowed$56

Overall, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. New Caney follows that pattern, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$63
Rent$69
Live with parents$99

Another factor taken into consideration is your living situation. Drivers who own property in New Caney can expect to pay around $6 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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 Caney, TX

Recent trends in car insurance for New Caney drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The rates for auto insurance in New Caney decreased from 2017-2018, but began to increase from 2019-2021, when they reached a high of $76. Rates finished down in 2022, at $50 a month.

How does New Caney compare to neighboring areas?

Why are car insurance rates in New Caney different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider many factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Road Safety (how many accidents each locality has)
  • Regional crime rates
  • Local laws
  • Amount of drivers in the community
  • Off-street parking availability

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. 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 New Caney?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in New Caney.

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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, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in New Caney different from other neighboring cities?

Parking situations, crime rates, and local laws -- 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 New Caney?

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 Caney?

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?

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 Caney 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.

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