Paris, TX Car Insurance

Residents of Paris pay around $53 monthly for their car insurance coverage. Check out our guide below to find out how much you'll pay.
How do rates in Paris measure up compared to neighboring areas, including Texas as a whole? How much can residents of Paris expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Paris?

Area Average Monthly Car Insurance Premium
Paris$53
TX$64
United States$80

Based on the chart above, you can see that it's about $11 a month cheaper to insure your vehicle in Paris than it is in the rest of Texas.

Compared to the rest of the country, auto insurance in Paris is more affordable. Auto insurance coverage in Paris is about $27 cheaper than it is for the rest of the United States.

These rates may be the average amount residents of Paris pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Paris and broken down the different factors to help you understand what exactly you might be asked to pay. 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!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$87
25-34$54
35-44$49
45-54Not Enough Data
55-64$38
65+$46

It makes sense that the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $41 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. As you get closer to retirement age, however, you may see your rates begin to increase again in Paris.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$54

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Paris, however, men actually pay a bit less than female drivers to insure their vehicle.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$139
1 TicketNot Enough Data
Multiple Tickets$226

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. The rate for drivers in Paris with a single accident on their record is about $73 a month.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$40
2-3 Years$57
4-5 Years$59
6-7 Years$61
8-10 Years$56
11-14 Years$54
15 Years or Older$50

In terms of affordable coverage, the cheapest vehicles to insure in Paris are usually trucks and vans, at $50 per month.

Car owners can expect to pay an average of around $55 a month for their policy, while SUVs usually cost around $53 a month to insure.

Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Paris, 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)$55
Married$50
Divorced$50
Widowed$45

Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Paris as well, where the difference is around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$53
Live with parents$74

Another factor that comes into play is your living accommodations. If you rent your home or apartment in Paris, expect to pay around $5 a month more than if you own your home. 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 Paris, TX

Recent trends in car insurance for Paris drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

In Paris, the rates for car insurance went up from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $48 per month

How does Paris compare to neighboring areas?

Why are car insurance rates in Paris different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Laws
  • Number of drivers in the area
  • Crime rates
  • Access to off-street parking
  • 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 towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Paris?

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.

Good news! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Paris.

Compare the cheapest quotes from dozens of insurance companies

Paris Insurance FAQs

What factors affect car insurance quotes in Paris?

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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Paris 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 Paris?

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 Paris?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Paris 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.

Find your best rate in just a few minutes