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How much is car insurance in Seguin?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $10 a month cheaper to insure your vehicle in Seguin than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Seguin. Auto insurance coverage in Seguin is about $25 cheaper than it is for the rest of the United States.
These may be the average auto insurance rates for Seguin, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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.
We've analyzed the average rate for Seguin and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Seguin Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Seguin.
Seguin Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Seguin, where male drivers pay about $13 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $49 each month, while men pay $62 on average.
Seguin Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Seguin, a driving record with one accident will usually get you a rate around $68 a month. Likewise, drivers with one ticket will be looking at a rate of around $52 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 reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Seguin Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$49|
The most affordable vehicles to insure in Seguin are by and large SUVs, which run about $48 per month.
Truck and van drivers will see rates of about $52, while the rates for car owners average out to about $59 a month.
Vehicle age can also affect your monthly bill. 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 Seguin, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Seguin Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Seguin follows that pattern, with the difference totaling to around $6 a month.
Seguin Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Seguin. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Seguin, TX
Recent trends in car insurance for Seguin 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.
The cost of auto insurance coverage in Seguin dropped from 2017-2020, before steadying out in 2021. Insurance rates finished down in 2022, at $57 per month
How does Seguin compare to neighboring areas?
Why are car insurance rates in Seguin different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Road Safety (frequency of local car accidents)
- Total number of drivers in the region
- Off-street parking accessibility
- Crime rates
- Area laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Seguin?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering policies in Seguin.
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Seguin Auto 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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Seguin 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 Seguin?
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 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?
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