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How much is car insurance in Rosenberg?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Rosenberg are in line with the rest of Texas.
When compared to the national average, the cost for auto insurance in Rosenberg is lower. You can expect to pay about $15 below the national average for auto insurance in Rosenberg.
Although these are the average car insurance rates in Rosenberg, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've analyzed the average rate for Rosenberg and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Rosenberg Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Rosenberg drivers may see their rates begin to increase again once they hit retirement.
Rosenberg Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The price to insure your car in Rosenberg, however, is about the same for either group.
Rosenberg Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Rosenberg with a single accident on their record is about $79 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $77 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Rosenberg Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$61|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Rosenberg, with drivers paying around $54 per month for auto insurance coverage.
Car owners can expect to pay an average of around $69 a month for their policy, while truck and van drivers are usually around $66 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Rosenberg are vehicles four-to-five years old.
Rosenberg Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
More often than not, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Rosenberg can be as much as $14 a month, so it's worth taking into consideration.
Rosenberg Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Rosenberg, expect to pay around $10 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Rosenberg, TX
Recent trends in car insurance for Rosenberg drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for car insurance in Rosenberg declined from 2017-2018, before leveling out in 2019. They finished down in 2022, at $64 a month
How does Rosenberg compare to neighboring areas?
Why are car insurance rates in Rosenberg different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area crime rates
- Amount of off-street parking
- General road safety (how many accidents each locality has)
- Area regulations
- Total amount of drivers in the area
Knowing the make-up of these factors can be helpful when deciding on purchasing 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 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.
Good news! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Rosenberg in no time.
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Rosenberg Auto Insurance FAQs
What factors affect car insurance quotes in Rosenberg?
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Rosenberg different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Rosenberg?
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 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Rosenberg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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