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How much is car insurance in Splendora?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Splendora typically costs about $7 a month less than it does in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Splendora. It's about $22 cheaper than the national average to insure your vehicle in Splendora.
While these are the average car insurance rates for Splendora, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 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 your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Splendora Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may begin to increase again in Splendora.
Splendora Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Splendora bucks this trend. Female drivers typically pay around $8 more a month for car insurance coverage than their male counterparts.
Splendora Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Splendora, drivers with one accident on their record will experience rates around $84 a month. Similarly, drivers with one ticket will typically pay around $95 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Splendora Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$51|
As you can see in the first table above, the cheapest vehicles to insure in Splendora are by and large SUVs, which run about $51 per month.
Car owners, on the other hand, usually pay around $62 per month, while truck and van drivers can expect to pay about $55 a month to insure their car.
You may also see different rates based on how old your vehicle is. 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. The most expensive vehicles to insure in Splendora are vehicles six-to-seven years old.
Splendora Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in Splendora can be as much as $26 a month, so it's worth taking into consideration.
Splendora Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $16 a month more than if you own your own home in Splendora. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Splendora, TX
Recent trends in car insurance for Splendora drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The rates for auto insurance in Splendora went up from 2017-2018, before leveling out in 2019. Insurance rates rose again, reaching a high of $67 in 2021, and finished down at $52 in 2022.
How does Splendora compare to neighboring areas?
Why are car insurance rates in Splendora different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Number of drivers in the area
- Number of car accidents
- Area laws
- Availability of off-street parking
- Regional crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing 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 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.
Luckily, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Splendora.
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Splendora Auto Insurance FAQs
What factors affect car insurance quotes in Splendora?
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 Splendora different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Splendora?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Splendora?
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 Splendora 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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