Paris, TX Car Insurance

On average, Paris drivers pay a monthly average rate of around $54 for their car insurance. Check out our guide below to find out how much you'll pay.
Map of cities where drivers can find cheaper car insurance
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What should residents of Paris expect to pay for their car insurance? How does Paris compare to the surrounding area and the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Paris?

Area Average Monthly Car Insurance Premium
Paris$54
TX$65
United States$81

Car insurance coverage in Paris is about $11 cheaper than it is in the rest of Texas.

Compared to the national average cost of auto insurance coverage, Paris has lower rates. It's about $27 cheaper to insure your vehicle in Paris compared to the average rate for the United States as a whole.

While these are the average car insurance rates for Paris, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down the average rates for Paris to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$88
25-34$54
35-44$49
45-54Not Enough Data
55-64$38
65+$51

The older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $37 more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates rise again in Paris.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$55

On average, female drivers pay slightly less than male drivers for car insurance. In Paris, however, men actually pay a little bit less than female drivers for car insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$75
Multiple Accidents$139
1 Ticket$66
Multiple Tickets$83

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Paris with a single accident will pay around $75 a month. In addition, drivers with one ticket can expect to pay around $66 a month 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$40
2-3 Years$57
4-5 Years$60
6-7 Years$62
8-10 Years$55
11-14 Years$55
15 Years or Older$50

The cheapest vehicles to insure in Paris are typically trucks and vans, with each type typically costing about $52 per month.

Car owners will see a monthly bill of about $55, while SUV owners usually pay around $54 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, your monthly bill may start to dip 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)$56
Married$50
Divorced$50
Widowed$47

More often than not, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles 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 $6 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$54
Live with parents$72

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Paris, expect to pay around $6 a month more than if you are a homeowner. Those who live with their parents, however, 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 overall costs.

Car Insurance Companies in Paris, TX

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

Auto insurance rates in Paris dropped from 2017-2018, before steadying out in 2019. They finished down in 2022, at $43 a month

How does Paris compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review numerous factors. Many factors affecting your policy are based around your home address. These factors include things like:

  • Number of car accidents
  • Community laws
  • Access to off-street parking
  • Crime levels
  • Amount of drivers in the area

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. 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 Paris?

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 can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering plans in Paris.


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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 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?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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 relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Paris 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.

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