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How much is car insurance in Haltom City?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Haltom City is in line with pricing for the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Haltom City. It's about $18 cheaper to insure your vehicle in Haltom City compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in Haltom City, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Haltom City so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Haltom City Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to increase again in Haltom City.
Haltom City Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Haltom City, where male drivers pay about $12 more a month. Based on the chart above, you can see that female drivers pay around $56 on average, while male drivers typically pay $68 each month.
Haltom City Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay much less than those with infractions. The rate for drivers in Haltom City with a single accident on their record is about $71 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $63 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Haltom City Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$59|
In terms of affordable coverage, the cheapest vehicles to insure in Haltom City are usually trucks and vans, at $54 per month.
Car owners, on the other hand, typically pay around $66 per month, while SUV drivers can expect to pay about $57 a month for insurance coverage.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Haltom City, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Haltom City Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Haltom City is about $12 a month, with married couples paying less for coverage than single drivers.
Haltom City Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Haltom City, expect to pay around $13 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Haltom City, TX
Recent trends in car insurance for Haltom City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Haltom City went up from 2017-2018, before leveling out in 2019. Policy premiums rose again recently, reaching a high of $76 in 2022.
How does Haltom City compare to neighboring areas?
Why are car insurance rates in Haltom City different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local laws
- Frequency of car accidents
- Off-street parking accessibility
- Regional crime rates
- Total number of drivers in the region
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 learn more.
How can I find the cheapest car insurance in Haltom City?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Haltom City.
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Haltom City Auto Insurance FAQs
What factors affect car insurance quotes in Haltom City?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Haltom City different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 Haltom City?
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 Haltom City?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Haltom City 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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