At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Rosharon?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $13 a month more expensive to insure your vehicle in Rosharon than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Rosharon. On average, it's about $3 less to insure your vehicle in Rosharon than it is in the rest of the United States.
These may be the average auto insurance rates for Rosharon, 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 get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Rosharon so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Find your best rate in just a few minutes
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times the price that 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 age, however, you may see your rates rise again in Rosharon.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Rosharon, this difference shakes out to about $32 per month. Based on the chart above, you can see that female drivers pay around $60 on average, while male drivers typically pay $92 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Rosharon with one accident will pay around $163 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $71.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$77|
According to the first table above, the cheapest vehicles to insure in Rosharon are by and large trucks and vans, at $70 per month.
Car owners will see a monthly rate of about $80, while SUV owners typically pay around $83 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Rosharon are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
More often than not, those who are currently 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.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Rosharon as well, where the difference is around $37 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$172|
One other element taken into consideration is your housing status. If you rent your home or apartment in Rosharon, expect to pay around $13 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 car insurance premiums.
Car Insurance Companies in Rosharon, TX
Recent trends in car insurance for Rosharon drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Rosharon, car insurance rates decreased from 2017-2020, before steadying out in 2021. Car insurance rates finished down in 2022, at $57 per month
How does Rosharon compare to neighboring areas?
Why are car insurance rates in Rosharon different from other areas?
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Amount of drivers in the region
- Regional regulations
- Off-street parking access
- Local crime rates
- Road safety
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Rosharon?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Rosharon.
Find your best rate in just a few minutes
Rosharon Insurance FAQs
What factors affect car insurance quotes in Rosharon?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Rosharon 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 Rosharon?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Rosharon?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Rosharon or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes