Seabrook, TX Car Insurance

Residents of Seabrook pay, on average, about $70 per month for car insurance. We cover plan rates, policies and more in our guide below.
What rates can residents of Seabrook expect to pay for their car insurance? Are rates in Seabrook higher or lower than those in neighboring areas? How do they compare to the rest of Texas? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Seabrook?

Area Average Monthly Car Insurance Premium
Seabrook$70
TX$65
United States$81

Based on the information in the chart above, you can see that on average, it's about $5 a month more expensive to insure your vehicle in Seabrook than it is in the rest of Texas.

Compared to the national average cost of auto insurance coverage, Seabrook has lower rates. The average monthly payment in Seabrook is about $11 less than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Seabrook, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've broken down average rates for Seabrook to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$112
25-34$65
35-44$58
45-54$66
55-64$43
65+$57

Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $55 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates start to rise again in Seabrook.

Average Car Insurance Rates by Gender

Gender Average
Male$73
Female$68

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Seabrook is around $5 a month. As illustrated in the table above, female drivers in the area pay about $68 on average, while male drivers pay around $73 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$92
Multiple Accidents$87
1 Ticket$81
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Seabrook, a driving record with one accident will usually get you a rate around $92 a month. Similarly, drivers with one ticket will typically pay around $81 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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$67
2-3 Years$57
4-5 Years$76
6-7 Years$75
8-10 Years$78
11-14 Years$70
15 Years or Older$65

In terms of affordable coverage, the cheapest vehicles to insure in Seabrook are by and large SUVs, at $66 per month.

Truck and van drivers will see rates of about $70 for car insurance, while car owners typically pay around $73 per month.

Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Seabrook, 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)$78
Married$57
Divorced$56
Widowed$49

On average, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

According to the table above, the difference in rates based on relationship status in Seabrook can be as much as $21 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$64
Rent$72
Live with parents$85

Another factor taken into consideration is your living accommodations. In Seabrook, homeowners 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.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Seabrook, TX

Recent trends in car insurance for Seabrook 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.

In Seabrook, auto insurance rates had been decreasing from 2017-2019, where they reached a low of $62, before leveling out in 2020. Car insurance rates have been decreasing again since 2021, and finished down at $63 in 2022.

How does Seabrook compare to neighboring areas?

Why are car insurance rates in Seabrook different from other areas?

Car insurance companies will take into account numerous factors when figuring out 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 your home address. These include things like:

  • Total amount of drivers in the community
  • Road Safety (frequency of car accidents)
  • Area regulations
  • Access to off-street parking
  • Crime

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Seabrook?

Arming 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.

But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Seabrook.

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Seabrook Insurance FAQs

What factors affect car insurance quotes in Seabrook?

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 driving record, address, credit score, and marital status.

Why is the cost of car insurance in Seabrook 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 Seabrook?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Seabrook?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Seabrook 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.

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