Royse City, TX Car Insurance

On average, Royse City drivers pay a monthly average rate of around $71 for their car insurance. To learn more about policy rates and coverage in the Royse City area, continue reading our guide below.
Are rates in Royse City higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What can Royse City residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Royse City?

Area Average Monthly Car Insurance Premium
Royse City$71
TX$65
United States$81

As you can tell from the chart above, the cost of coverage in Royse City is about $6 a month more expensive than the rest of Texas.

On the flip side, when compared to the national average, the cost for auto insurance in Royse City is lower. It's about $10 cheaper than the national average to insure your vehicle in Royse City.

While these are the average car insurance rates for Royse City, keep in mind that you could end up paying a different amount. 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 off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Royse City residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$114
25-34$61
35-44$61
45-54Not Enough Data
55-64$49
65+$51

It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $63 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement age in Royse City.

Average Car Insurance Rates by Gender

Gender Average
Male$72
Female$70

In general, female drivers pay less for car insurance than their male counterparts. In Royse City, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$90
Multiple Accidents$103
1 Ticket$85
Multiple Tickets$105

Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Royse City with a single accident will pay around $90 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $85.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$63
4-5 Years$62
6-7 Years$63
8-10 Years$66
11-14 Years$79
15 Years or Older$76

In Royse City, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $67 per month for insurance coverage.

Car owners will see a monthly premium of about $69, while SUV owners typically pay around $80 per month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Royse City, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$79
Married$59
Divorced$52
Widowed$48

Generally, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Royse City, with married couples paying about $20 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$69
Live with parents$108

One other element taken into consideration is your housing status. If you rent your home or apartment in Royse City, expect to pay around $11 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Royse City, TX

Recent trends in car insurance for Royse City drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of car insurance in Royse City have been mixed as of late, it rose in 2017, fell in 2019, and increased again in 2021, before finishing at $101 in 2022.

How does Royse City compare to neighboring areas?

Why are car insurance rates in Royse City different from other areas?

Car insurance companies will take into account a number of factors when they're deciding 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:

  • Regional regulations
  • Area crime rates
  • Amount of off-street parking
  • Road Safety (frequency of car accidents)
  • Total number of drivers in the community

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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 Royse City?

Arming 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.

Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Royse City.

Compare the cheapest quotes from dozens of insurance companies

Royse City Insurance FAQs

What factors affect car insurance quotes in Royse City?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.

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

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Royse City?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Royse City?

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?

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 Royse City 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.

Find your best rate in just a few minutes