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How much is car insurance in Texas City?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $5 a month cheaper than the rates drivers pay in Texas City.
Compared to the national average cost of auto insurance coverage, Texas City has lower rates. You can expect to pay about $11 below the national average for auto insurance in Texas City.
Although these are the average monthly costs for an auto insurance policy in Texas City, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Texas City and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Texas City drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Texas City, where male drivers pay about $7 more a month. Looking at the table above, you can see that female drivers pay around $67 on average, while male drivers typically pay $74 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Texas City with a single accident will pay around $87 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $91.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$66|
The cheapest vehicles to insure in Texas City are typically trucks and vans, with each type typically costing about $62 per month.
Car owners, on the other hand, usually pay around $74 per month, while SUV drivers can expect to pay about $64 a month to insure their vehicle.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. 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 Texas City are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
On average, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Texas City follows that pattern, with the difference totaling to 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 situation. In Texas City, homeowners can expect to pay around $10 a month less than those who rent. 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 car insurance costs.
Car Insurance Companies in Texas City, TX
Recent trends in car insurance for Texas City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Texas City, car insurance rates have been steadily increasing, reaching a high of $91 in 2022.
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 an insurance policy, car insurance companies will evaluate a number of factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Prevalence of crime
- Area regulations
- Access to off-street parking
- Amount of drivers in the region
- General road safety (how many accidents each locality has)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Texas City?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering coverage in Texas City.
Texas City Insurance FAQs
What factors affect car insurance quotes in Texas City?
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in Texas City different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Texas City or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?