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How much is car insurance in Harlingen?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Harlingen is about $7 a month cheaper.
Compared to the rest of the country, auto insurance in Harlingen is more affordable. The average monthly payment in Harlingen is about $22 less than the rate for the rest of the U.S.
These rates may be the average amount Harlingen residents pay for their insurance policy, but 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 to get auto insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for Harlingen to help you understand what your policy's monthly premium will cost. 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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Harlingen Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay $47 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates rise again once you hit retirement in Harlingen.
Harlingen Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Harlingen, however, both pay the same monthly amount for car insurance.
Harlingen Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Harlingen, a driving record with a single accident will usually get you a rate around $72 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $79.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Harlingen Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$53|
The most affordable vehicles to insure in Harlingen are typically SUVs, which run about $51 per month.
Truck and van drivers will see rates of about $59 for auto insurance coverage, while car owners usually pay around $62 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Harlingen are vehicles six-to-seven years old.
Harlingen Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Overall, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Harlingen is no exception, with the difference totaling to around $15 a month.
Harlingen Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Harlingen, expect to pay around $16 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Harlingen, TX
Recent trends in car insurance for Harlingen 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 Harlingen, the rates for auto insurance went up from 2017-2018, when they reached a high of $67. This shifted in 2019, when they began to decrease again. They finished down in 2022, at $50 per month
How does Harlingen compare to neighboring areas?
Why are car insurance rates in Harlingen different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (how many accidents each locality has)
- Total number of drivers in the area
- Off-street parking access
- Local laws
- Area crime rates
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. 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 Harlingen?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Harlingen.
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Harlingen Auto Insurance FAQs
What factors affect car insurance quotes in Harlingen?
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, address, credit score, and marital status.
Why is the cost of car insurance in Harlingen 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 Harlingen?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Harlingen or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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