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How much is car insurance in Silsbee?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Silsbee is in line with pricing for the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Silsbee is rather affordable. It's around $17 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Although these are the average monthly costs for an auto insurance policy in Silsbee, 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 for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't worry, we've done the work for you and broken down the average rates for Silsbee to help you understand what your monthly premium might 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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Silsbee 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. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates creep back up once you hit retirement in Silsbee.
Silsbee Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Silsbee, however, the difference in monthly policy premiums is minimal.
Silsbee Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Silsbee with a single accident on their record will usually see rates around $65 a month. In addition, drivers with a single ticket on their record can expect to pay around $73 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Silsbee Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$58|
According to the first table above, the cheapest vehicles to insure in Silsbee are usually trucks and vans, at $55 per month.
Car owners can expect to pay an average of around $62 a month for their policy, while SUVs usually cost around $76 a month to insure.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Silsbee, the most expensive vehicles to insure are vehicles six-to-seven years old.
Silsbee Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
On average, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Silsbee is about $26 a month, with married couples paying less for coverage than single drivers.
Silsbee Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $4 a month less than homeowners in Silsbee. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Silsbee, TX
Recent trends in car insurance for Silsbee 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.
Auto insurance rates in Silsbee had been decreasing from 2017-2018, when they reached a low of $58. This shifted in 2019, when car insurance rates began to increase. They hit a high of $76 in 2021, and finished down in 2022, at $62 a month.
How does Silsbee compare to neighboring areas?
Why are car insurance rates in Silsbee different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Access to off-street parking
- Crime levels
- Amount of drivers
- General road safety (how many accidents each locality has)
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. With the knowledge 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 Silsbee?
While getting familiar with 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 has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Silsbee in no time.
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Silsbee Auto Insurance FAQs
What factors affect car insurance quotes in Silsbee?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Silsbee different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Silsbee?
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 Silsbee?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Silsbee or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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