Spring, TX Car Insurance

On average, Spring drivers pay a monthly average rate of around $73 for their car insurance. Learn more in our handy 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? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Spring?

Area Average Monthly Car Insurance Premium
Spring$73
TX$65
United States$81

You can see in the chart above that it's around $8 a month more expensive to insure your vehicle in Spring than it is in the rest of Texas.

On the flip side, car insurance rates in Spring are often favorable when viewed against the rest of the country. The average monthly payment in Spring is about $8 cheaper than the rate for the rest of the United States.

While these are the average monthly costs for auto insurance coverage in Spring, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

Don't sweat it however, we've broken down average rates for Spring residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code 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$121
25-34$65
35-44$66
45-54Not Enough Data
55-64$55
65+$55

The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $66 more than drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may begin to go back up in Spring.

Average Car Insurance Rates by Gender

Gender Average
Male$75
Female$72

Car insurance rates for men are usually slightly more expensive than they are for women. The price to insure your car in Spring, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$89
Multiple Accidents$100
1 Ticket$88
Multiple Tickets$120

Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Spring with a single accident will pay around $89 a month. In addition, drivers with a single ticket on their record can expect to pay around $88 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$67
2-3 Years$70
4-5 Years$73
6-7 Years$73
8-10 Years$73
11-14 Years$77
15 Years or Older$73

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Spring, with drivers paying around $67 per month for insurance coverage.

Truck and van drivers will see rates of about $71 for car insurance coverage, while car owners by and large pay around $76 per month.

Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Spring are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$82
Married$59
Divorced$58
Widowed$52

Generally, married policyholders will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Spring can be as much as $23 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$64
Rent$74
Live with parents$108

One other element taken into consideration is your living situation. In Spring, homeowners can expect to pay around $10 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

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 choosing where to shop.

In Spring, auto insurance rates have been steadily increasing, reaching a high of $93 in 2022.

How does Spring compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review many factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Regional crime rates
  • Frequency of car accidents
  • Total number of drivers in the community
  • Off-street parking accessibility
  • Local laws

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Spring?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Spring.

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Spring Insurance FAQs

What factors affect car insurance quotes in Spring?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Spring different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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?

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 Spring?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Spring or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes