Get Cheap Car Insurance in Katy TX

  1. Residents of Katy Can Save Up To $510 by Comparing Multiple Insurance Quotes

See How Much You Can Save in Katy

 

What's the Cost of Car Insurance in Katy?

We have been able to help several drivers in Katy TX locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Katy Texas, the annual rates had a difference of up to $1170. Specifically, this means that the cheapest price was $910 and the most expensive was $2080.

Several factors all come together to influence what your final insurance premium will be. Each one is valued differently and will therefore impact your final rates in either smaller ways or bigger ones. This is why shopping around and comparing a minimum of three or more insurers in your area of Katy is important in getting the cheapest car insurance rates.

Lowest Average Highest
$910 $1270 $2080

Insurance Prices: Katy vs. National/State Averages

Katy has low-cost car insurance premiums that are below the state's average. It costs $275 less per year than Texas's average. While this may come as a relief, it isn't a reason to become complacent. Taking advantage of lower costs is still an important practice even in Katy. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1270 $1545 $1479

Katy TX Average Car Insurance Savings by Neighborhood

If you're thinking about moving then you may want to keep the following in mind. Changing zip codes can actually have a noticeable impact on your car insurance. We have looked at the cost of insurance in various neighborhoods of Katy to give you a sense of where you can find the lowest costs.

The difference was +$95 between the cheapest neighborhood in Katy TX with a rate of $1270 on average and a +$700 difference between the priciest area in Katy TX with an average price of $1970.

# Neighborhood Average Rate
  Katy $1270
1 Baytown +$700
2 Cloverleaf +$620
3 La Porte +$380
4 Humble +$207
5 Bellaire +$151
6 Deer Park +$131
7 Tomball +$95

Let's go over some ways to save on car insurance in Katy

Katy Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Katy. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $70 more per year compared to being married, and being a man can typically cost up to $419 more per year in Katy TX as opposed to being a woman.

Katy Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Katy TX is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $2641 a year for insurance on average. This is far higher than the state average of $1545, and $1371 higher than Katy' average. When gender is taken into account the difference between male and female teens in Katy TX is $470.

The effect of DUIs on insurance premiums in Katy TX

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Katy then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $1270 all the way up to $2362. That means that on average the cost for conviction in Katy TX can be an increase of $1092.

DUI City Average
$2362 $1270

Find cheap car insurance in Katy quickly and easily

 

Find Local Katy Agents

Farmers Insurance

722 Pin Oak Rd # 208 Katy TX 77494 United States

Reliable Insurance Managers Inc.

5345 Hwy Blvd Katy TX 77494 United States

G & H Financial Insurance Services Inc.

5503 4th St Katy TX 77493 United States

Katy in Brief

  • $1270

    the average Katy resident's annual cost of coverage

  • $510

    our customer's average savings after comparing insurance

  • 30/60/25

    minimum insurance requirements in Katy TX

Area We Serve

77493,77494

Katy Map

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