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How much is car insurance in Schertz?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Schertz are about $5 a month cheaper than in the rest of Texas.
Compared to the national average cost of auto insurance coverage, Schertz has lower rates. You can expect to pay about $21 below the national average for auto insurance in Schertz.
While these are the average monthly costs for auto insurance coverage in Schertz, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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.
But don't worry, we've broken down average rates for Schertz residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $58 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Schertz drivers may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Schertz, however, male and female drivers both pay about the same rate for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Schertz, having a single accident on your record will usually get you rates around $87 a month. In addition, drivers with one ticket can expect to pay around $88 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$58|
As you can see in the first table above, the cheapest vehicles to insure in Schertz are typically SUVs, which run about $50 per month.
Car owners can expect to pay an average of around $62 a month for their policy, while truck and van drivers are usually around $52 to insure each month.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Schertz, 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)||$67|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Schertz, with married couples paying about $24 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Your living situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Schertz can expect to pay around $8 a month less than those who rent. 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 Schertz, TX
Recent trends in car insurance for Schertz drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
Policy premiums in Schertz have been mixed recently. They increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $56 in 2021.
How does Schertz compare to neighboring areas?
Why are car insurance rates in Schertz different from other areas?
Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Local crime rates
- Total number of drivers in the region
- Road Safety (frequency of local car accidents)
- Access to off-street parking
- Community regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Schertz?
Equipping 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 punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Schertz.
Schertz 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 age and gender, 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?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Schertz?
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 Schertz?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Schertz or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.