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How much is car insurance in Seabrook?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $6 a month more expensive to insure your vehicle in Seabrook than it is in the rest of Texas.
That being said, car insurance rates in Seabrook are often favorable when viewed against the rest of the country. Auto insurance coverage in Seabrook is about $9 cheaper than it is for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Seabrook, 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. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Seabrook residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Seabrook Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates begin to go back up in Seabrook.
Seabrook Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Seabrook, where women pay around $4 less a month. As illustrated in the table above, female drivers in the area pay about $69 on average, while male drivers pay around $73 each month.
Seabrook Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Seabrook, a driving record with a single accident will usually get you a rate around $92 a month. Likewise, drivers with one ticket will be looking at a rate of around $81 a month on average.
Seabrook Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$65|
The cheapest vehicles to insure in Seabrook are by and large SUVs, with each type typically costing about $66 per month.
Car owners can expect to pay an average of around $73 a month for their policy, while truck and van drivers are usually around $70 to insure each month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Seabrook, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Seabrook Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Seabrook reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.
Seabrook Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Another factor that comes into play is your housing status. Renters can expect to pay around $8 a month more than homeowners in Seabrook. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Seabrook, TX
Recent trends in car insurance for Seabrook 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.
The cost of auto insurance coverage in Seabrook declined from 2017-2019, where it reached a low of $62, before leveling out in 2020. Since 2021, insurance rates have once again been decreasing and hit $70 in 2022.
How does Seabrook compare to neighboring areas?
Why are car insurance rates in Seabrook different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- General road safety (how many accidents each locality has)
- Area laws
- Availability of off-street parking
- Number of drivers in the region
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Seabrook?
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.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Seabrook.
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Seabrook Auto Insurance FAQs
What factors affect car insurance quotes in Seabrook?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Seabrook 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 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 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Seabrook or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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