Spring, TX Car Insurance

Are rates in Spring higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What rates can residents of Spring expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Spring?

As you can see, car insurance policies across the rest of Texas are about $10 a month cheaper than the rates drivers pay in Spring.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Spring is rather affordable. It's around $5 less to insure your vehicle compared to the average rate for the United States as a whole.

Keep in mind that while these are the average car insurance rates for Spring, it isn't guaranteed that it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

We've analyzed the average rate for Spring and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Spring Car Insurance Rates by Age

The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay $68 more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up a bit in Spring.

Spring Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. In Spring, however, the difference in monthly policy premiums is minimal.

Spring Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Spring with a single accident on their record will usually see rates around $90 a month. Similarly, drivers with one ticket will typically pay around $91 on average.

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.

Spring Insurance Rates by Vehicle

The cheapest vehicles to insure in Spring are by and large SUVs, with each type typically costing about $68 per month.

Car owners will see rates of about $78, while truck and van owners typically pay around $73 per month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Spring, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Spring Car Insurance Rates by Relationship Status

More often than not, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Spring is no exception, with the difference totaling to around $23 a month.

Spring Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing status. 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.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Spring, TX

Recent trends in car insurance for Spring drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

In Spring, the rates for auto insurance went up from 2017-2018, before steadying out in 2019. Insurance rates have been increasing again recently, and finished up at $101 in 2022.

How does Spring compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

• Road Safety (frequency of car accidents)
• Area crime rates
• Area regulations
• Total number of drivers in the community
• Off-street parking access

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 get started.

How can I find the cheapest car insurance in Spring?

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.

But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Spring.

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Spring Auto 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 gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Spring 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 Spring?

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 Spring?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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.