Table of contents
How much is car insurance in Seguin?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Seguin is about $12 a month cheaper.
Compared to the rest of the country, auto insurance in Seguin is more affordable. It's around $28 less to insure your vehicle compared to the average rate for the United States as a whole.
While these numbers represent the average monthly payments for coverage in Seguin, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down the average rates for Seguin to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may begin to increase again in Seguin.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Seguin, where male drivers pay about $14 more per month. As you can see in the table above, male drivers in the area typically pay $59 on average, while female drivers typically pay $45 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Seguin, a driving record with a single accident will usually get you a rate around $73 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$46|
If you look at the first table above, the cheapest vehicles to insure in Seguin are usually SUVs, at $47 per month.
Truck and van drivers will see rates of about $50 to insure their car, while car owners typically pay around $55 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are 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 Seguin, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Seguin, the difference in rates based on relationship status can be as much as $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Another factor that comes into play is your living situation. In Seguin, homeowners can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Seguin, TX
Recent trends in car insurance for Seguin drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for car insurance in Seguin increased from 2016-2017, but shifted in 2018. They decreased until 2020, when they hit a low of $40, and finished up in 2021, at $59 per month.
How does Seguin compare to neighboring areas?
Why are car insurance rates in Seguin different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Area regulations
- Total number of drivers in the area
- Road Safety (frequency of car accidents)
- Area crime rates
- Off-street parking accessibility
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Seguin?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Seguin.
Seguin Insurance FAQs
What factors affect car insurance quotes in Seguin?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Seguin 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, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Seguin?
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 Seguin?
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?
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 Seguin or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?