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How much is car insurance in Harlingen?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month cheaper to insure your vehicle in Harlingen than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Harlingen. You can expect to pay about $22 below the national average for auto insurance in Harlingen.
Bear in mind that while these are the average car insurance rates for Harlingen, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Harlingen residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $48 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to go back up once you hit retirement in Harlingen.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Harlingen, however, men actually pay a bit less than female drivers for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Harlingen, a driving record with a single accident will usually get you a rate around $73 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $80.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$52|
If you look at the first table above, the cheapest vehicles to insure in Harlingen are by and large SUVs, at $51 per month.
Car owners will see rates of about $62, while truck and van owners usually pay around $60 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Harlingen 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)||$66|
Overall, those who have settled down into marriage will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Harlingen follows that pattern, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Another factor that comes into play is your living accommodations. In Harlingen, homeowners can expect to pay around $17 a month less than those who rent. Those who live with their parents, however, 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 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 selecting an auto insurance policy.
Auto insurance rates in Harlingen increased from 2017-2018, when they reached a high of $67. This leveled out in 2019, when they began to decrease again. They finished down in 2022, at $45 per month
How does Harlingen compare to neighboring areas?
Why are car insurance rates in Harlingen different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Road safety
- Crime rates
- Amount of off-street parking
- Total number of drivers in the community
- Local laws
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. 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 Harlingen?
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.
Luckily, Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Harlingen in no time.
Harlingen Insurance FAQs
What factors affect car insurance quotes in Harlingen?
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 Harlingen different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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?
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 Harlingen?
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?
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 Harlingen 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.