Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
What can Cypress residents expect to pay for their car insurance? How does Cypress compare to the surrounding area and the rest of California? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:
How much is car insurance in Cypress?
Area | Average Monthly Car Insurance Premium |
---|---|
Cypress | $56 |
CA | $56 |
United States | $81 |
As you can tell by looking at the chart above, car insurance rates in Cypress are about the same as the rest of California.
Compared to the rest of the country, auto insurance in Cypress is more affordable. The average monthly payment in Cypress is about $25 less than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Cypress, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Cypress and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
Age Range | Average Premium |
---|---|
Under 18 | $176 |
18-24 | $87 |
25-34 | $54 |
35-44 | $48 |
45-54 | Not Enough Data |
55-64 | $46 |
65+ | $51 |
Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Cypress.
Average Car Insurance Rates by Gender
Gender | Average |
---|---|
Male | $55 |
Female | $58 |
On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Cypress, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
---|---|
1 Accident | $67 |
Multiple Accidents | $119 |
1 Ticket | $67 |
Multiple Tickets | $124 |
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Cypress with one accident will pay around $67 a month. In addition, drivers with one ticket can expect to pay around $67 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
Vehicle Age | Average Monthly Premium |
---|---|
Less Than 1 Year | $53 |
2-3 Years | $66 |
4-5 Years | $48 |
6-7 Years | $41 |
8-10 Years | $59 |
11-14 Years | $59 |
15 Years or Older | $56 |
In Cypress, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $54 per month for insurance coverage.
Car owners, on the other hand, typically pay around $57 per month, while SUV drivers can expect to pay about $56 a month for insurance coverage.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Cypress, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
Relationship | Average Monthly Premium |
---|---|
Single (never married) | $60 |
Married | $48 |
Divorced | $49 |
Widowed | $51 |
Overall, car insurance is slightly cheaper for married policyholders. 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. Cypress follows that pattern, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
---|---|
Own | $48 |
Rent | $55 |
Live with parents | $80 |
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $7 a month more than drivers who own property in Cypress. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Recent trends in car insurance for Cypress drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The rates for car insurance in Cypress increased from 2017-2018, when they hit a high of $57. This leveled out in 2019, when they began to turn downward again. They finished down in 2022, at $51 per month
How does Cypress compare to neighboring areas?
Why are car insurance rates in Cypress different from other areas?
There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
Community regulations
Amount of off-street parking
Number of drivers
Regional crime rates
Road Safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Cypress?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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 does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Cypress.
Cypress Insurance FAQs
Why is the cost of car insurance in Cypress 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 Cypress?
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 Cypress?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
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 Cypress 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.
Related articles
)
The Cheapest Car Insurance in California (From $88)
)
The 10 Cheapest Cities for Car Insurance in California
)
A Guide to the CLCA Program
)
Moving Out? Follow This Change of Address Checklist
)
The Best Car Insurance Companies of 2024
)
5 Best Home and Auto Insurance Bundles (2024)
)
Why More Drivers Are Switching Car Insurance Companies
)
Step-by-Step Guide to Shopping for Auto Insurance

Cathedral City, CA Car Insurance Quotes for 2024

Carson, CA Car Insurance Quotes for 2024

Campbell, CA Car Insurance Quotes for 2024

Camarillo, CA Car Insurance Quotes for 2024

Burbank, CA Car Insurance Quotes for 2024

Buena Park, CA Car Insurance Quotes for 2024

Brentwood, CA Car Insurance Quotes for 2024

Brea, CA Car Insurance Quotes for 2024

Beverly Hills, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Berkeley, CA (from $113)

Bell Gardens, CA Car Insurance Quotes for 2024

Beaumont, CA Car Insurance Quotes for 2024

Azusa, CA Car Insurance Quotes for 2024

Antioch, CA Car Insurance Quotes for 2024

Aliso Viejo, CA Car Insurance Quotes for 2024

Adelanto, CA Car Insurance Quotes for 2024

El Monte, CA Car Insurance Quotes for 2024

El Cerrito, CA Car Insurance Quotes for 2024

Dublin, CA Car Insurance Quotes for 2024

Diamond Bar, CA Car Insurance Quotes for 2024

Cupertino, CA Car Insurance Quotes for 2024

Culver City, CA Car Insurance Quotes for 2024

Covina, CA Car Insurance Quotes for 2024

Concord, CA Car Insurance Quotes for 2024

Compton, CA Car Insurance Quotes for 2024

Colton, CA Car Insurance Quotes for 2024

Chino, CA Car Insurance Quotes for 2024

Chino Hills, CA Car Insurance Quotes for 2024

Chico, CA Car Insurance Quotes for 2024

Cerritos, CA Car Insurance Quotes for 2024

Ceres, CA Car Insurance Quotes for 2024

Lynwood, CA Car Insurance Quotes for 2024

Lompoc, CA Car Insurance Quotes for 2024

Lodi, CA Car Insurance Quotes for 2024

Lathrop, CA Car Insurance Quotes for 2024

Lake Forest, CA Car Insurance Quotes for 2024

Laguna Niguel, CA Car Insurance Quotes for 2024

La Quinta, CA Car Insurance Quotes for 2024

La Puente, CA Car Insurance Quotes for 2024

La Mirada, CA Car Insurance Quotes for 2024

La Mesa, CA Car Insurance Quotes for 2024

Hollister, CA Car Insurance Quotes for 2024

Hesperia, CA Car Insurance Quotes for 2024

Hemet, CA Car Insurance Quotes for 2024

Hanford, CA Car Insurance Quotes for 2024

Fountain Valley, CA Car Insurance Quotes for 2024

Folsom, CA Car Insurance Quotes for 2024

Fairfield, CA Car Insurance Quotes for 2024

Elk Grove, CA Car Insurance Quotes for 2024

Petaluma, CA Car Insurance Quotes for 2024

Pasadena, CA Car Insurance Quotes for 2024

Paramount, CA Car Insurance Quotes for 2024

Palo Alto, CA Car Insurance Quotes for 2024

Palm Springs, CA Car Insurance Quotes for 2024

Palm Desert, CA Car Insurance Quotes for 2024

Pacifica, CA Car Insurance Quotes for 2024

Oxnard, CA Car Insurance Quotes for 2024

Orange, CA Car Insurance Quotes for 2024

Oceanside, CA Car Insurance Quotes for 2024

Novato, CA Car Insurance Quotes for 2024

Norwalk, CA Car Insurance Quotes for 2024

Northridge, CA Car Insurance Quotes for 2024

Norco, CA Car Insurance Quotes for 2024

Newport Beach, CA Car Insurance Quotes for 2024

National City, CA Car Insurance Quotes for 2024

Napa, CA Car Insurance Quotes for 2024

Milpitas, CA Car Insurance Quotes for 2024

San Pedro, CA Car Insurance Quotes for 2024

San Mateo, CA Car Insurance Quotes for 2024

San Marcos, CA Car Insurance Quotes for 2024

San Luis Obispo, CA Car Insurance Quotes for 2024

San Leandro, CA Car Insurance Quotes for 2024

San Gabriel, CA Car Insurance Quotes for 2024

San Clemente, CA Car Insurance Quotes for 2024

Roseville, CA Car Insurance Quotes for 2024

Ridgecrest, CA Car Insurance Quotes for 2024

Richmond, CA Car Insurance Quotes for 2024

Rialto, CA Car Insurance Quotes for 2024

Reseda, CA Car Insurance Quotes for 2024

Redlands, CA Car Insurance Quotes for 2024

Redding, CA Car Insurance Quotes for 2024

Rancho Cucamonga, CA Car Insurance Quotes for 2024

Poway, CA Car Insurance Quotes for 2024

Placentia, CA Car Insurance Quotes for 2024

Pittsburg, CA Car Insurance Quotes for 2024

West Sacramento, CA Car Insurance Quotes for 2024

Watsonville, CA Car Insurance Quotes for 2024

Walnut, CA Car Insurance Quotes for 2024

Vista, CA Car Insurance Quotes for 2024

Visalia, CA Car Insurance Quotes for 2024

Tulare, CA Car Insurance Quotes for 2024

Tracy, CA Car Insurance Quotes for 2024

Torrance, CA Car Insurance Quotes for 2024

Thousand Oaks, CA Car Insurance Quotes for 2024

Temple City, CA Car Insurance Quotes for 2024

Studio City, CA Car Insurance Quotes for 2024

South San Francisco, CA Car Insurance Quotes for 2024

Saratoga, CA Car Insurance Quotes for 2024

Santee, CA Car Insurance Quotes for 2024

Santa Rosa, CA Car Insurance Quotes for 2024

Santa Monica, CA Car Insurance Quotes for 2024

Santa Cruz, CA Car Insurance Quotes for 2024

Santa Clarita, CA Car Insurance Quotes for 2024

Santa Barbara, CA Car Insurance Quotes for 2024

San Ramon, CA Car Insurance Quotes for 2024

Yuba City, CA Car Insurance Quotes for 2024

Woodland, CA Car Insurance Quotes for 2024

Winnetka, CA Car Insurance Quotes for 2024

Wildomar, CA Car Insurance Quotes for 2024

West Hollywood, CA Car Insurance Quotes for 2024

Lancaster, CA Car Insurance Quotes for 2024

Irvine, CA Car Insurance Quotes for 2024

Inglewood, CA Car Insurance Quotes for 2024

Glendale, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Stockton, CA (From $100)

Santa Clara, CA Car Insurance Quotes for 2024
)
Cheap Car Insurance in Santa Ana for 2024 (From $75)
)
Cheapest Car Insurance in San Bernardino, CA (From $103)
)
Cheap Car Insurance in Riverside for 2024 (From $72)

Ontario, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Modesto, CA (from $97)

San Diego, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Oakland, CA (from $122)

Long Beach, CA Car Insurance Quotes for 2024
)
Cheap Car Insurance in Fresno for 2024 (From $68)
)
Cheap Car Insurance in Bakersfield for 2024 (From $64)
)
Cheapest Car Insurance Companies in Anaheim, CA (from $106)

San Jose, CA Car Insurance Quotes for 2024
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.