Splendora, TX Car Insurance

The average monthly cost for car insurance in Splendora is about $58. For information on policy rates, coverage, and more check out our guide below.
What rates should residents of Splendora expect to pay for their car insurance? How do rates in Splendora measure up compared to neighboring areas, including Texas as a whole? 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 Splendora?

Area Average Monthly Car Insurance Premium
Splendora$58
TX$65
United States$81

The cost of coverage in Splendora is about $7 a month cheaper than it is for the rest of Texas.

If you're thinking of moving to Splendora from out of state, you may still be in luck. Auto insurance coverage in Splendora is about $23 cheaper than it is for the rest of the U.S.

Bear in mind that while these rates represent the expected monthly payments for drivers in Splendora, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Splendora so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$113
25-34$60
35-44$62
45-54$48
55-64$49
65+$50

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Splendora may see their rates climb back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$61

Despite the national trend of women paying less than men to insure their vehicle, in Splendora men actually pay $54 per month for coverage while women pay $61.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$83
Multiple Accidents$99
1 Ticket$95
Multiple Tickets$248

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Splendora with a single accident will pay around $83 a month. Similarly, drivers with one ticket will typically pay around $95 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$81
2-3 Years$48
4-5 Years$87
6-7 Years$96
8-10 Years$71
11-14 Years$57
15 Years or Older$52

In Splendora, the cheapest vehicles to insure are typically SUVs, with drivers paying around $51 per month for insurance.

Truck and van drivers will see rates of about $56, while the rates for car owners average out to about $61 a month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. 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)$72
Married$45
Divorced$49
Widowed$61

On average, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Splendora is no exception, with the difference totaling to around $27 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$69
Live with parents$79

Your housing situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Splendora can expect to pay around $17 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Splendora, TX

Recent trends in car insurance for Splendora 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 choosing your car insurance policy.

In Splendora, car insurance rates rose from 2017-2018, before leveling out in 2019. Rates increased again, reaching a high of $67 in 2021, and finished down at $37 in 2022.

How does Splendora compare to neighboring areas?

Why are car insurance rates in Splendora different from other areas?

There are several factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Amount of drivers in the region
  • Road safety
  • Access to off-street parking
  • Local regulations
  • Area crime rates

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Splendora?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Enter your ZIP Code 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 policies in Splendora.

Compare the cheapest quotes from dozens of insurance companies

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, plus your address, credit score, marital status, and driving record.

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 crime rates, local laws, and parking situations 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?

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 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Splendora or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes