Spring, TX Car Insurance

Residents of Spring pay, on average, about $71 per month for car insurance. We cover plan rates, policies and more in our guide below.
What should residents of Spring expect to pay for their car insurance? How does Spring stack up to the rest of the area, or even Texas as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Spring?

Area Average Monthly Car Insurance Premium
Spring$71
TX$64
United States$80

Auto insurance policies in Spring are about $7 a month more expensive than the rest of Texas.

On the other hand, car insurance rates in Spring are more affordable than the national average. The average monthly payment in Spring is about $9 cheaper than the rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

Don't worry, we've done the work for you and broken down the averages rate for Spring to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, 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 18$312
18-24$122
25-34$63
35-44$63
45-54$53
55-64$53
65+$53

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to go back up once you hit retirement in Spring.

Average Car Insurance Rates by Gender

Gender Average
Male$74
Female$69

In general, female drivers pay less for car insurance than their male counterparts. This is true in Spring, where male drivers pay about $5 more a month. As illustrated in the table above, male drivers in the area pay about $74 on average, while female drivers pay around $69 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$92
Multiple Accidents$101
1 Ticket$85
Multiple Tickets$130

Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. In Spring, a driving record with one accident will usually get you a rate around $85 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $92.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$67
2-3 Years$67
4-5 Years$71
6-7 Years$69
8-10 Years$72
11-14 Years$75
15 Years or Older$71

If you look at the first table above, the cheapest vehicles to insure in Spring are by and large SUVs, at $65 per month.

Truck and van drivers will see rates of about $71, while the rates for car owners average out to about $74 per month.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Spring, for example, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$80
Married$59
Divorced$58
Widowed$51

More often than not, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Spring as well, where the difference is around $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$70
Live with parents$108

Your housing situation is another factor that affects your monthly rate. Drivers who own property in Spring can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Spring, TX

Recent trends in car insurance for Spring drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when selecting an auto insurance policy.

The cost of insurance in Spring declined from 2016-2017, but began to increase in 2020. This trend has continued and car insurance rates reached a high of $79 a month in 2021.

How does Spring compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Amount of drivers in the region
  • Amount of off-street parking
  • Crime rates
  • Regional regulations
  • Road Safety (how many accidents each locality has)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Spring?

Equipping 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.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Spring.

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Spring Insurance FAQs

What factors affect car insurance quotes in Spring?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Spring 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 Spring?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Spring?

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?

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 Spring 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.

Find your best rate in just a few minutes