Cedar Hill, TX Car Insurance

The average cost for car insurance in Cedar Hill is about $68 a month. To find out more check out our guide below.
Compared to their surrounding area, how do rates in Cedar Hill stack up? What about against the rest of Texas? What rates can residents of Cedar Hill expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Cedar Hill?

Area Average Monthly Car Insurance Premium
Cedar Hill$68
TX$64
United States$80

As you can see, car insurance policies across the rest of Texas are about $4 a month cheaper than the rates drivers pay in Cedar Hill.

Drivers relocating from out of state may enjoy some cost savings in Cedar Hill. The average monthly payment in Cedar Hill is about $12 less than the rate for the rest of the U.S.

Bear in mind that while these rates represent the expected monthly payments for Cedar Hill drivers, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've analyzed the average rate for Cedar Hill and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$108
25-34$64
35-44$53
45-54$55
55-64$53
65+$54

The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $54 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. Once you hit retirement, however, your rates may rise again in Cedar Hill.

Average Car Insurance Rates by Gender

Gender Average
Male$69
Female$67

On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Cedar Hill is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$81
Multiple Accidents$85
1 Ticket$68
Multiple Tickets$72

Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Cedar Hill with a single accident will pay around $81 a month. In addition, drivers with a single ticket on their record can expect to pay around $68 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$63
4-5 Years$63
6-7 Years$74
8-10 Years$72
11-14 Years$73
15 Years or Older$59

If you look at the first table above, the cheapest vehicles to insure in Cedar Hill are by and large SUVs, at $63 per month.

Car owners can expect to pay an average of around $69 a month for their policy, while truck and van drivers are usually around $65 to insure each month.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is about 5 years old. In Cedar Hill, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$73
Married$55
Divorced$57
Widowed$59

On average, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Cedar Hill is no exception, with the difference totaling to around $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$65
Live with parents$95

Another factor taken into consideration is your housing status. Renters can expect to pay around $7 a month more than homeowners in Cedar Hill. But if you live with your parents, you can expect to pay a lot 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 average costs.

Car Insurance Companies in Cedar Hill, TX

Recent trends in car insurance for Cedar Hill 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.

The rates for car insurance in Cedar Hill decreased from 2016-2017, before leveling out in 2018. Rates fell again recently, reaching a low of $58 in 2021.

How does Cedar Hill compare to neighboring areas?

Why are car insurance rates in Cedar Hill different from other areas?

When considering how much to charge for coverage, car insurance companies will review a variety of factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Local laws
  • Local crime rates
  • Number of drivers in the region
  • Rate of car accidents
  • Amount of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Cedar Hill?

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.

Luckily, Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Cedar Hill in no time.

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Cedar Hill Insurance FAQs

What factors affect car insurance quotes in Cedar Hill?

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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Cedar Hill different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Cedar Hill?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Cedar Hill?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Cedar Hill or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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