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How much is car insurance in Rosenberg?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Rosenberg are about the same as the rest of Texas.
Car insurance rates in Rosenberg are often favorable when viewed against the rest of the country. It's around $16 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average car insurance rates for Rosenberg, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Rosenberg residents so that you can get a more accurate idea of what you might pay. 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 longer you've been driving. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates start to rise again in Rosenberg.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Rosenberg, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Rosenberg with a single accident on their record will usually see rates around $81 a month. In addition, drivers with a single ticket on their record can expect to pay around $78 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$62|
The most affordable vehicles to insure in Rosenberg are typically SUVs, which run about $54 per month.
Car owners can expect to pay an average of around $69 a month for their policy, while truck and van drivers are usually around $67 to insure each month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Rosenberg, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
On average, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Rosenberg is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $11 a month more than homeowners in Rosenberg. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Rosenberg, TX
Recent trends in car insurance for Rosenberg drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The cost of car insurance in Rosenberg had been decreasing from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $63 a month
How does Rosenberg compare to neighboring areas?
Why are car insurance rates in Rosenberg different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Community regulations
- Prevalence of crime
- Number of car accidents
- Availability of off-street parking
- Amount of drivers
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Rosenberg?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Rosenberg.
Rosenberg Insurance FAQs
What factors affect car insurance quotes in Rosenberg?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Rosenberg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Rosenberg?
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 Rosenberg?
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 Rosenberg 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?