Seguin, TX Car Insurance

Drivers in Seguin pay around $55 a month for their car insurance. To find out more check out our guide below.
Compared to their surrounding area, how do rates in Seguin stack up? What about against the rest of Texas? What can Seguin residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Seguin?

Area Average Monthly Car Insurance Premium
Seguin$55
TX$65
United States$81

Based on the chart above, you can see that it's about $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. It's about $26 cheaper than the national average to insure your vehicle in Seguin.

While these are the average car insurance rates for Seguin, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

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 think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$51
35-44$51
45-54$42
55-64$39
65+$46

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in Seguin.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$48

Car insurance rates for women are generally cheaper than they are for men. In Seguin, male drivers pay about $13 more a month. Looking at the table above, you can see that female drivers pay around $48 on average, while male drivers typically pay $61 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$69
Multiple Accidents$82
1 Ticket$53
Multiple Tickets$87

Your driving record can have a tremendous 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. The rate for drivers in Seguin with a single accident on their record is about $69 a month. Likewise, drivers with one ticket will be looking at a rate of around $53 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$54
4-5 Years$58
6-7 Years$55
8-10 Years$69
11-14 Years$57
15 Years or Older$47

In Seguin, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $47 per month for insurance.

Car owners, on the other hand, usually pay around $59 per month, while truck and van drivers can expect to pay about $53 a month for insurance coverage.

The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Seguin, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$51
Divorced$48
Widowed$35

Generally speaking, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Seguin can be as much as $6 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$55
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.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, 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 deciding when and where to shop.

The rates for auto insurance in Seguin declined from 2017-2020, before leveling out in 2021. They finished down in 2022, at $66 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 coverage, car insurance companies will review numerous factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Area regulations
  • Off-street parking availability
  • Frequency of car accidents
  • Total number of drivers in the community
  • 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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Seguin?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Seguin.

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Seguin Insurance FAQs

What factors affect car insurance quotes in Seguin?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Seguin different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Seguin?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Seguin or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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