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How much is car insurance in Fort Hood?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Texas are about $18 a month cheaper than the rates drivers pay in Fort Hood.
Compared to the national average cost of auto coverage, Fort Hood has higher rates. The average monthly payment for the rest of the U.S. is about is about $3 cheaper than it is in Fort Hood.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
Don't worry, we've done the work for you and broken down average rates for Fort Hood to help you get a more accurate idea of what you'll be charged for your policy. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Fort Hood Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $42 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Fort Hood.
Fort Hood Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Fort Hood, male drivers pay about $10 more per month. Based on the chart above, you can see that female drivers pay around $76 on average, while male drivers typically pay $86 each month.
Fort Hood Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Fort Hood with one accident will pay around $115 a month. In addition, drivers with one ticket can expect to pay around $91 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Fort Hood Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$75|
The cheapest vehicles to insure in Fort Hood are by and large SUVs, with each type typically costing about $75 per month.
Truck and van drivers will see rates of about $77 for auto insurance coverage, while car owners typically pay around $86 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Fort Hood, vehicles eight-to-ten years old are the most expensive to insure.
Fort Hood Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Fort Hood is no exception, with the difference totaling to around $17 a month.
Fort Hood Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $5 less than those who own their own home in Fort Hood. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Fort Hood, TX
Recent trends in car insurance for Fort Hood drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
Auto insurance rates in Fort Hood rose from 2017-2018, before declining from 2019-2020. They finished down in 2022 at $36.
How does Fort Hood compare to neighboring areas?
Why are car insurance rates in Fort Hood different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Rate of car accidents
- Crime levels
- Total number of drivers in the region
- Off-street parking accessibility
- Local regulations
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 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 Fort Hood?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Fort Hood.
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Fort Hood Auto Insurance FAQs
What factors affect car insurance quotes in Fort Hood?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Fort Hood different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Fort Hood?
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 Fort Hood?
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 Fort Hood 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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