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How much is car insurance in Cedar Hill?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $4 a month cheaper than the rates drivers pay in Cedar Hill.
On the other hand, the expected monthly payments for an auto insurance policy in Cedar Hill are below the national average. The average monthly payment in Cedar Hill is about $12 less than the rate for the rest of the United States.
Bear in mind that while these rates are the average costs for residents of Cedar Hill, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Cedar Hill and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $52 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to go back up once you hit retirement age in Cedar Hill.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Cedar Hill, although women do pay a bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Cedar Hill, having a single accident on your record will usually get you rates around $83 a month. Likewise, drivers with one ticket will be looking at a rate of around $84 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Cedar Hill are usually SUVs, at $64 per month.
Car owners, on the other hand, by and large pay around $71 per month, while truck and van drivers can expect to pay about $65 a month for auto insurance.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Cedar Hill, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
More often than not, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Cedar Hill reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $11 a month more than drivers who own property in Cedar Hill. But if you live with your parents, your rates will be significantly higher.
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 overall costs.
Car Insurance Companies in Cedar Hill, TX
Recent trends in car insurance for Cedar Hill drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Cedar Hill, car insurance rates increased from 2017-2018, when they hit a high of $79. This changed in 2019, when insurance rates started to decrease. They reached a low of $61 in 2020, and finished at $67 in 2022.
How does Cedar Hill compare to neighboring areas?
Why are car insurance rates in Cedar Hill different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Area laws
- Crime rates
- Availability of off-street parking
- Amount of drivers in the community
- Road Safety (frequency of local car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place 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.
Good news! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Cedar Hill.
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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 gender and age, but also factors like your driving record, credit score, address 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?
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 local laws, parking situations, 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 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 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Cedar Hill or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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