Harker Heights, TX Car Insurance

On average, Harker Heights drivers pay a monthly average rate of around $55 for their car insurance. Read our guide below to learn more about your specific rates.
How does Harker Heights stack up to the rest of the area, or even Texas as a whole? What rates can residents of Harker Heights expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Harker Heights?

Area Average Monthly Car Insurance Premium
Harker Heights$55
TX$65
United States$81

Auto insurance coverage in Harker Heights is about $10 cheaper than it is in the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Harker Heights is rather affordable. Car insurance rates for the U.S. as a whole are, on average, $26 more expensive than the rates you'd pay in Harker Heights.

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 for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't sweat it however, we've broken down the average rate for Harker Heights residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$78
25-34$51
35-44$46
45-54$50
55-64$36
65+$47

The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Harker Heights.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$56

Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay a little bit less than female drivers on their monthly auto coverage, the difference in Harker Heights is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$71
Multiple Accidents$104
1 Ticket$68
Multiple Tickets$110

Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay less than those with accidents or violations. In Harker Heights, a driving record with one accident will usually get you a rate around $71 a month. Similarly, drivers with one ticket will typically pay around $68 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$41
2-3 Years$66
4-5 Years$52
6-7 Years$75
8-10 Years$57
11-14 Years$51
15 Years or Older$52

If you look at the first table above, the cheapest vehicles to insure in Harker Heights are usually SUVs, at $51 per month.

Meanwhile, Harker Heights drivers who own a car, truck, or van, can expect to pay about $56 for insurance.

Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 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)$59
Married$43
Divorced$53
Widowed$36

Overall, those who are currently married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Harker Heights, with married couples paying about $16 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$53
Live with parents$77

Another factor that comes into play is your housing status. 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, your rates will be significantly higher.

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

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. The rates for car insurance 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 look at numerous factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:

  • Availability of off-street parking
  • Rate of car accidents
  • Laws
  • Prevalence of crime
  • Amount of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Harker Heights?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Harker Heights.

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Harker Heights Insurance FAQs

What factors affect car insurance quotes in Harker Heights?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Harker Heights different from other neighboring cities?

Local laws, parking situations, 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 Harker Heights?

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 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?

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 Harker Heights 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.

Find your best rate in just a few minutes