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How much is car insurance in Schertz?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Schertz are in line with rates across the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Schertz are below the national average. On average, it's about $17 less to insure your vehicle in Schertz than it is in the rest of the United States.
While these are the average costs to insure your vehicle in Schertz, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down average rates for Schertz to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Schertz 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 can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, 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 Schertz.
Schertz Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Schertz is only about $3 per month.
Schertz Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Schertz, having a single accident on your record will usually get you rates around $98 a month. In addition, drivers with one ticket can expect to pay around $82 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Schertz Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$62|
If you look at the first table above, the cheapest vehicles to insure in Schertz are by and large trucks and vans, at $53 per month.
Car owners will see a monthly bill of about $66, while SUV owners typically pay around $59 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Schertz, the most expensive vehicles to insure are vehicles six-to-seven years old.
Schertz Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Schertz can be as much as $26 a month, so it's worth taking into consideration.
Schertz Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $10 a month more than those who own their own home in Schertz. But those who live at home with their parents can expect to pay significantly 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 costs.
Car Insurance Companies in Schertz, TX
Recent trends in car insurance for Schertz drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Schertz, auto insurance rates dropped from 2017-2019, when they hit a low of $45. This pattern leveled out in 2020, when they began to rise, and have continued moving in that direction through the present, where rates finished at $83 per month.
How does Schertz compare to neighboring areas?
Why are car insurance rates in Schertz different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Regional regulations
- Access to off-street parking
- Total number of drivers in the region
- Crime rates
- Road Safety (frequency of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Schertz?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Schertz.
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Schertz Auto Insurance FAQs
What factors affect car insurance quotes in Schertz?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Schertz different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Schertz?
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 Schertz?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Schertz 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.
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