Table of contents
How much is car insurance in Sachse?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Sachse are about $16 a month more expensive than the rest of Texas.
Compared to the national average cost of auto insurance coverage, Sachse has lower rates. It's about $0 cheaper to insure your vehicle in Sachse compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in Sachse, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Sachse 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 below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may start to rise again in Sachse.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Sachse is around $17 a month. Looking at the table above, you can see that female drivers pay around $71 on average, while male drivers typically pay $88 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Sachse with a single accident will pay around $93 a month. In addition, drivers with a single ticket on their record can expect to pay around $56 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$80|
According to the first table above, the cheapest vehicles to insure in Sachse are usually cars, at $77 per month.
Truck and van drivers will see rates of about $90 for car insurance, while SUV owners by and large pay around $85 per month.
The age of your vehicle also plays a role in your monthly payment. 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 monthly premium decrease. In Sachse, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
On average, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Sachse, the difference in rates based on relationship status can be as much as $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$112|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Sachse, expect to pay around $9 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Sachse, TX
Recent trends in car insurance for Sachse 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.
In Sachse, auto insurance rates went up from 2016-2017, when they reached a high of $97. This shifted in 2020, when rates began to decrease. This trend has continued through the present, where rates recently hit $58.
How does Sachse compare to neighboring areas?
Why are car insurance rates in Sachse different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Off-street parking access
- Total drivers
- Road Safety (frequency of car accidents)
- Regional regulations
- Prevalence of crime
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Sachse?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Sachse.
Sachse Insurance FAQs
What factors affect car insurance quotes in Sachse?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Sachse different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Sachse?
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 Sachse?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Sachse or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.