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How much is car insurance in Harker Heights?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Harker Heights is about $10 a month cheaper than it is for the rest of Texas.
Compared to the national average cost of auto insurance coverage, Harker Heights has lower rates. The average monthly payment in Harker Heights is about $25 less than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Harker Heights, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Harker Heights residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Harker Heights Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to go back up in Harker Heights.
Harker Heights Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While male drivers actually pay a bit less than female drivers on their monthly premiums, the difference in Harker Heights is only about $3 a month.
Harker Heights Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Harker Heights, a driving record with one accident will usually get you a rate around $64 a month. Similarly, drivers with one ticket will typically pay around $68 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Harker Heights Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$52|
As you can see in the first table above, the cheapest vehicles to insure in Harker Heights are typically SUVs, which run about $52 per month.
Cars, trucks, and vans, on the other hand, usually cost about $56 to insure their vehicle.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Harker Heights, vehicles six-to-seven years old are the most expensive to insure.
Harker Heights Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
In Harker Heights, the difference in rates based on relationship status can be as much as $13 a month.
Harker Heights Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
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. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Harker Heights, TX
Recent trends in car insurance for Harker Heights drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Harker Heights, drivers paid about the same rate from 2017 to 2022. Car insurance rates reached a high of $61 in 2017 and a low of $49 in 2021.
How does Harker Heights compare to neighboring areas?
Why are car insurance rates in Harker Heights different from other areas?
Car insurance companies will take into account a lot of factors when deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Community laws
- Road Safety (frequency of car accidents)
- Amount of drivers in the region
- Off-street parking availability
- Area crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Harker Heights?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Harker Heights.
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Harker Heights Auto Insurance FAQs
What factors affect car insurance quotes in Harker Heights?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Harker Heights different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Harker Heights?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Harker Heights?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Harker Heights or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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