Table of contents
How much is car insurance in Sachse?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $12 a month more expensive to insure your vehicle in Sachse than it is in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Sachse is rather affordable. The average monthly payment in Sachse is about $4 less than the rate for the rest of the United States.
While these are the average costs to insure your vehicle in Sachse, keep in mind that you could end up paying a different amount. 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 the bill you'll see each month.
We've analyzed the average rate for Sachse and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $69 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up in Sachse.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in Sachse is about $11 per month. As you can see in the table above, female drivers in the area typically pay $71 on average, while female drivers typically pay $82 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. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Sachse with one accident will pay around $93 a month. Similarly, drivers with one ticket will typically pay around $101 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$78|
The most affordable vehicles to insure in Sachse are usually SUVs, which run about $72 per month.
Car owners, on the other hand, by and large pay around $78 a month, while truck and van drivers can expect to pay about $84 per month to insure their vehicle.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. In Sachse, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Generally speaking, 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.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Sachse is no exception, with the difference totaling to around $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Sachse, 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 lot more.
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 average premiums.
Car Insurance Companies in Sachse, TX
Recent trends in car insurance for Sachse drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The rates for car insurance in Sachse declined from 2017-2018, before steadying out in 2019. Policy premiums began decreasing again in 2020, and finished down in 2022, at $59.
How does Sachse compare to neighboring areas?
Why are car insurance rates in Sachse different from other areas?
Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Regional regulations
- Availability of off-street parking
- Road safety
- Local crime rates
- Total number of drivers in the community
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
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 to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Sachse.
Sachse Insurance FAQs
What factors affect car insurance quotes in Sachse?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Sachse different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Sachse?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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?
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 Sachse 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.