Table of contents
How much is car insurance in Texas City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Texas City are in line with rates across the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Texas City. The average monthly payment in Texas City is about $13 cheaper than the rate for the rest of the U.S.
These rates may be the average amount Texas City residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down average rates for Texas City to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to go back up once you hit retirement in Texas City.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Texas City is around $9 a month. As you can see in the table above, female drivers in the area typically pay $63 on average, while female drivers typically pay $72 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Texas City with a single accident on their record is about $81 a month. Likewise, drivers with one ticket will be looking at a rate of around $100 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$63|
In Texas City, the cheapest vehicles to insure are usually SUVs, trucks, and vans, with drivers paying around $62 per month for auto insurance coverage.
The bill for car owners, on the other hand, is closer to $70 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Texas City, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. 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 Texas City as well, where the difference is around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Texas City, expect to pay around $7 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Texas City, TX
Recent trends in car insurance for Texas City 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.
The rates for auto insurance in Texas City went up from 2016-2018, before leveling out in 2019. They finished down in 2021, at $74 a month
How does Texas City compare to neighboring areas?
Why are car insurance rates in Texas City different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- General road safety (how many accidents each locality has)
- Community regulations
- Area crime rates
- Off-street parking access
- Total number of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Texas City?
While knowing 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.
Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing plans in Texas City.
Texas City Insurance FAQs
What factors affect car insurance quotes in Texas City?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Texas City 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 local laws, crime rates, 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 Texas City?
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 Texas City?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Texas City 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.