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How much is car insurance in Harker Heights?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Harker Heights is about $9 a month cheaper.
Similarly, car insurance rates in Harker Heights are more affordable than the national average. On average, it's about $25 less to insure your vehicle in Harker Heights than it is in the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Harker Heights, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Harker Heights and broken down the different factors 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 below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||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 drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates rise again once you hit retirement in Harker Heights.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Harker Heights, however, men actually pay slightly less than female drivers for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Harker Heights, a driving record with a single accident will usually get you a rate around $71 a month. Similarly, drivers with one ticket will typically pay around $52 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$52|
The most affordable vehicles to insure in Harker Heights are typically SUVs, which run about $50 per month.
Car owners can expect to pay an average of around $56 a month for their policy, while truck and van drivers are usually around $61 to insure each month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Harker Heights, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
More often than not, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Harker Heights as well, where the difference is around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Harker Heights. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Harker Heights, TX
Recent trends in car insurance for Harker Heights drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of car insurance coverage in Harker Heights rose from 2016-2017, before leveling out in 2018. Car insurance rates finished down in 2021, at $47 a month
How does Harker Heights compare to neighboring areas?
Why are car insurance rates in Harker Heights different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Amount of off-street parking
- Rate of crime
- Road Safety (how many accidents each locality has)
- Community laws
- Total number of drivers in the area
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Harker Heights?
Arming 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.
Luckily, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Harker Heights in no time.
Harker Heights Insurance FAQs
What factors affect car insurance quotes in Harker Heights?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Harker Heights different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Harker Heights?
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 Harker Heights?
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?
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 Harker Heights 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.