Fort Hood, TX Car Insurance

The average monthly cost for car insurance in Fort Hood is about $83. Check out our guide below to find out how much you'll pay.
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Compared to their surrounding area, how do rates in Fort Hood stack up? What about against the rest of Texas? What should residents of Fort Hood expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

How much is car insurance in Fort Hood?

Area Average Monthly Car Insurance Premium
Fort Hood$83
TX$65
United States$81

Coverage for your vehicle in Fort Hood will typically run you about $18 a month more than in the rest of Texas.

The average cost of insuring your vehicle in Fort Hood is above the national rate. It's about $2 more expensive for coverage in Fort Hood than the average rates for the U.S. as a whole.

Although these are the average car insurance rates in Fort Hood, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Fort Hood to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$99
25-34$56
35-44$48
45-54Not Enough Data
55-64$37
65+$57

The older you are, the more experience you're likely to have on the roads, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay $42 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates begin to go back up in Fort Hood.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$77

Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Fort Hood, where women pay around $9 less per month than men. As you can see in the table above, female drivers in the area typically pay $77 on average, while female drivers typically pay $86 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$115
Multiple Accidents$121
1 Ticket$91
Multiple Tickets$177

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Fort Hood, having a single accident on your record will usually get you rates around $115 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $91.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$68
2-3 Years$87
4-5 Years$89
6-7 Years$82
8-10 Years$93
11-14 Years$87
15 Years or Older$75

As you can see in the first table above, the cheapest vehicles to insure in Fort Hood are typically SUVs, which run about $76 per month.

Truck and van drivers will see rates of about $77 for car insurance, while car owners by and large pay around $86 per month.

Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Fort Hood are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$86
Married$70
Divorced$80

On average, people who are married will pay slightly less for insurance coverage. 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. Fort Hood follows that pattern, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$82
Rent$78
Live with parents$75

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $4 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.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Fort Hood, TX

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Fort Hood, the rates for car insurance had been increasing from 2016-2018, before taking a downward turn from 2019-2020. They finished up in 2021, at $84 a month.

How does Fort Hood compare to neighboring areas?

Why are car insurance rates in Fort Hood different from other areas?

Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Area crime rates
  • Off-street parking accessibility
  • Frequency of car accidents
  • Total number of drivers in the area
  • Community laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Fort Hood?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing policies in Fort Hood.


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Fort Hood Insurance FAQs

What factors affect car insurance quotes in Fort Hood?

Car insurance companies calculate quotes based on a wide array of factors. These 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 Fort Hood 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 Fort Hood?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Fort Hood?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Fort Hood 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.

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