Cheap Auto Insurance Quotes in Cypress, TX, for 2023

Car Insurance in Cypress, TX

It’s an exciting time to be in the Houston area, but it’s not as cheap as it used to be. So getting your auto insurance premiums as low as possible is a top priority for many Cypress drivers—especially in such a car-dependent city. Here’s our guide to the insurance companies in Cypress with the best premiums and how to find yourself a cheap auto insurance policy.

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Cheap Car Insurance Texas

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Cheapest Car Insurance in Cypress, TX

First things first: what are the average rates that insurance companies are offering in Cypress? Here’s your definitive look, right from Insurify’s database. Progressive has the lowest auto insurance quotes on average, but the company that’s right for you could be anywhere in this table, so make sure you take the time to compare rates.

Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Cypress Car Insurance Rates by Driving and Accident History

Cypress insurance isn’t priced the same for every driver. If you have blemishes on your driving record, it can cause auto insurance companies to quote you higher rates^[1]. You’ll see in this table that speeding tickets and prior accidents can add a lot to your auto insurance premiums. If you want cheap insurance rates, maintaining a clean driving record will go a long way.

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High-Risk Car Insurance Texas

DUI Car Insurance Texas

Cypress Car Insurance Rates by Credit Tier

Another aspect of your driver profile that insurance companies take into account is your credit score. This table clearly shows that drivers with the best credit get the best rates on average. A good credit score will be a huge help in finding affordable car insurance, while a poor credit score can make it a little more challenging^[2].

How to Get the Cheapest Car Insurance in Cypress

In a city where you probably drive every day, having a robust auto insurance policy is critical for peace of mind and a sense of security. But it’s not enough to find the right coverage if you can’t afford it. Comparing as many car insurance quotes until you find your best price is a critical step in anyone’s quest for cheap car insurance.

Insurify makes it easy to find the best rates in your area by sourcing car insurance quotes from a number of insurance companies all at once to save you time and paperwork. You might discover a discount you would never have known about. Another step drivers should consider is bundling their car insurance with renters insurance or homeowners insurance.

Frequently Asked Questions

Insurify Insights

How Cypress Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Cypress, Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Cypress drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Toyota Camry

Most Popular Car in Cypress

#245

City with the Most Speeding Tickets Rank in Texas

#179

City with the Most Moving Violations Rank in Texas

#289

City with the Most DUIs Rank in Texas

#273

City with the Most Suspended Licenses in Texas

• Accidents in Cypress

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Cypress drivers rank 68 in the number of car accidents per driver across all cities in Texas.

  • Rank within state: #68
  • Percent of drivers in Cypress with an accident: 9.7%
• DUI/DWIs in Cypress

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cypress drivers rank 289 in the number of DUI’s per driver across all cities in Texas.

  • Rank within state: #289
  • Percent of drivers in Cypress with a DUI: 0.4%
• Reckless Drivers in Cypress

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Cypress drivers rank 153 in the number of reckless driving offenses per driver.

  • Rank within state: #153
  • Percent of drivers in Cypress with a reckless driving offense: 0.9%
• Rude Drivers in Cypress

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Cypress drivers rank 172 in rude driving infractions.

  • Rank within state: #172
  • Percent of drivers in Cypress with a reckless driving violation: 0.9%
• Speeding in Cypress

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Cypress drivers rank 245 in the number of speeding infractions per driver.

  • Rank within state: #245
  • Percent of drivers in Cypress with a speeding ticket: 6.8%
• Safest Drivers in Cypress

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cypress drivers rank 164 in clean driving records across all cities in Texas.

  • Rank within state: #164
  • Percent of drivers in Cypress with clean record: 80.8%
• Hybrid/Electric Vehicle Ownership in Cypress

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cypress drivers rank 73 in hybrid and electric vehicle ownership across all cities in Texas.

  • Rank within state: #73
  • Percent of drivers in Cypress with a hybrid/electric vehicle: 1.14%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.