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How much is car insurance in Harlingen?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Harlingen is about $6 cheaper than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Harlingen. Car insurance rates for the U.S. as a whole are, on average, $22 more expensive than the rates you'd pay in Harlingen.
Bear in mind that while these rates are the average costs for Harlingen drivers, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've broken down the average rates for Harlingen to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average 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. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Harlingen drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Harlingen, however, men actually pay a bit less than female drivers for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Harlingen with a single accident will pay around $72 a month.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$51|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Harlingen, with drivers paying around $46 per month for insurance.
Car owners can expect to pay an average of around $62 a month for their policy, while truck and van drivers are usually around $64 to insure each month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Harlingen, the most expensive vehicles to insure are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
The cost of auto insurance in Harlingen reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Another factor taken into consideration is your living situation. Renters can expect to pay around $18 a month more than homeowners in Harlingen. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Harlingen, TX
Recent trends in car insurance for Harlingen drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Harlingen, car insurance rates increased from 2016-2018, when they reached a high of $67. This shifted in 2019, when rates began to decrease. They hit a low of $51 in 2020, and finished at $65 in 2021.
How does Harlingen compare to neighboring areas?
Why are car insurance rates in Harlingen different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:
- General road safety (how many accidents each locality has)
- Access to off-street parking
- Local regulations
- Total amount of drivers in the community
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Harlingen?
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.
But hold on! Compare.com does all of that work for you. Just put 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 coverage in Harlingen.
Harlingen Insurance FAQs
What factors affect car insurance quotes in Harlingen?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Harlingen different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, 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 Harlingen?
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 Harlingen?
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Harlingen or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?