Paris, TX Car Insurance

How does Paris compare to the surrounding area and the rest of Texas? What rates should 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:

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How much is car insurance in Paris?

The cost of coverage in Paris is about $12 a month cheaper than it is for the rest of Texas.

Compared to the national average cost of auto insurance coverage, Paris has lower rates. You can expect to pay about $27 less for your policy in Paris than in the rest of U.S.

These may be the average auto insurance rates for Paris, but 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 for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Paris so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Paris Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $40 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Paris.

Paris Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Paris, although men do pay a bit less on their monthly auto coverage, the price is about the same for either group.

Paris Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In Paris, a driving record with a single accident will usually get you a rate around $75 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $66.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Paris Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Paris, with drivers paying around $51 per month to insure their vehicle.

SUV drivers will see rates of about $52, while the rates for car owners average out to about $54 a month.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Paris, the most expensive vehicles to insure are vehicles four-to-five years old.

Paris Car Insurance Rates by Relationship Status

On average, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Paris can be as much as $4 a month, so it's worth keeping that in mind.

Paris Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Paris. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Paris, TX

Recent trends in car insurance for Paris drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The cost of insurance in Paris decreased from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $43 per month

How does Paris compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

• Total number of drivers
• Community laws
• Road safety
• Rate of crime
• Availability of off-street parking

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Paris?

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 wait! 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 providing coverage in Paris.

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Paris Auto 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 age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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

Local laws, parking situations, and crime rates -- 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 Paris?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Paris or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?