Royse City, TX Car Insurance

On average, Royse City drivers pay around $71 a month for their car insurance. To learn more about car insurance rates in the Royse City area, read our guide below.
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What should residents of Royse City expect to pay for their car insurance? Are rates in Royse City higher or lower than those in neighboring areas? How do they compare to the rest of Texas? Find the average cost breakdowns and determining factors in the charts and writeups below:

How much is car insurance in Royse City?

Area Average Monthly Car Insurance Premium
Royse City$71
TX$65
United States$80

As you can see, car insurance policies across the rest of Texas are about $6 a month cheaper than the rates drivers pay in Royse City.

Compared to the rest of the country, auto insurance in Royse City is more affordable. It's around $9 less to insure your vehicle compared to the average rate for the United States as a whole.

While these are the average costs to insure your vehicle in Royse City, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't worry, we've done the work for you and broken down the average rates for Royse City to help you understand what your monthly premium 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!


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Royse City Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$116
25-34$61
35-44$60
45-54Not Enough Data
55-64$49
65+$50

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $66 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Royse City.

Royse City Car Insurance Rates by Gender

Gender Average
Male$73
Female$69

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in average rates in Royse City totals about $4 per month. Looking at the table above, you can see that female drivers pay around $69 on average, while male drivers typically pay $73 each month.

Royse City Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$86
Multiple Accidents$112
1 Ticket$83
Multiple Tickets$116

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Royse City with a single accident on their record is about $86 a month. Likewise, drivers with one ticket will be looking at a rate of around $83 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Royse City 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$62
8-10 Years$67
11-14 Years$76
15 Years or Older$78

In terms of affordable coverage, the cheapest vehicles to insure in Royse City are typically trucks and vans, at $66 per month.

Car owners will see a monthly bill of about $70, while SUV owners by and large pay around $77 a month.

Your rates can also vary depending on your vehicle's age. 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, vehicles fifteen years and older are the most expensive to insure.

Royse City Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$79
Married$58
Divorced$51
Widowed$48

On average, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Royse City as well, where the difference is around $21 a month.

Royse City Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$59
Rent$68
Live with parents$106

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Royse City. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Royse City, TX

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.

In Royse City, auto insurance rates rose from 2017-2018, when they hit a high of $77. This changed in 2019, when policy premiums started to decrease. They reached a low of $61 in 2020, and finished down in 2022, at $74 per month.

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 lot of factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Area crime rates
  • Total number of drivers in the area
  • Road Safety (frequency of local car accidents)
  • Laws
  • Amount of off-street parking

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 towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Royse City?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Royse City.


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Royse City Auto Insurance FAQs

What factors affect car insurance quotes in Royse City?

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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Royse City?

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 however, by using sites like Compare.com to compare multiple quotes at once.

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.

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