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How much is car insurance in Cedar Hill?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $5 a month more expensive to insure your vehicle in Cedar Hill than it is in the rest of Texas.
If you're thinking of moving to Cedar Hill from out of state, you may still be in luck. It's about $10 cheaper than the national average to insure your vehicle in Cedar Hill.
Although these are the average rates for auto insurance in Cedar Hill, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down the average rates for Cedar Hill to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Cedar Hill Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly 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. As you get closer to retirement age, however, you may see your rates begin to go back up in Cedar Hill.
Cedar Hill Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Cedar Hill, however, the difference in monthly rates for auto insurance is minimal.
Cedar Hill Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Cedar Hill, drivers with one accident on their record will experience rates around $85 a month. Likewise, drivers with one ticket will be looking at a rate of around $86 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Cedar Hill Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$61|
If you look at the first table above, the cheapest vehicles to insure in Cedar Hill are usually SUVs, trucks, and vans, at $65 per month.
On the other hand, car owners, can expect to pay about $72 per month for insurance.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Cedar Hill are vehicles eight-to-ten years old.
Cedar Hill Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Generally, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Cedar Hill is about $18 a month, with married couples paying less for coverage than single drivers.
Cedar Hill Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $13 a month more than homeowners in Cedar Hill. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Cedar Hill, TX
Recent trends in car insurance for Cedar Hill drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for auto insurance in Cedar Hill rose from 2017-2018, when they hit a high of $79. This shifted in 2019, when rates started to decrease. They reached a low of $61 in 2020, and finished down in 2022, at $74 a month.
How does Cedar Hill compare to neighboring areas?
Why are car insurance rates in Cedar Hill different from other areas?
Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local regulations
- Amount of drivers in the region
- Access to off-street parking
- Rate of crime
- Road Safety (total number of local car accidents)
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. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Cedar Hill?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Cedar Hill.
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Cedar Hill Auto 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 gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Cedar Hill different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Cedar Hill?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Cedar Hill or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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