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How much is car insurance in Splendora?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Splendora is about $7 a month cheaper than it is for the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Splendora is rather affordable. The average monthly payment for the U.S. as a whole is about $23 more expensive than in Splendora.
Although these are the average car insurance rates in Splendora, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Splendora and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates climb back up a bit once you hit retirement in Splendora.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While this isn't true in Splendora, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay less than those with infractions. In Splendora, drivers with one accident on their record will experience rates around $88 a month. Likewise, drivers with one ticket will be looking at a rate of around $82 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$53|
If you look at the first table above, the cheapest vehicles to insure in Splendora are usually trucks and vans, at $50 per month.
Car owners can expect to pay an average of around $59 a month for their policy, while SUVs usually cost around $55 a month to insure.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Splendora, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Splendora is no exception, with the difference totaling to around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Another factor that comes into play is your housing situation. In Splendora, homeowners can expect to pay around $22 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
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 Splendora, TX
Recent trends in car insurance for Splendora 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 rates for auto insurance in Splendora declined from 2016-2017, but began to increase in 2020. This trend has continued through the present, where they reached a high of $68 a month.
How does Splendora compare to neighboring areas?
Why are car insurance rates in Splendora different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Area crime rates
- Amount of drivers in the area
- Number of car accidents
- Area regulations
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Splendora?
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.
Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Splendora.
Splendora Insurance FAQs
What factors affect car insurance quotes in Splendora?
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Splendora different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Splendora?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Splendora?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Splendora 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?