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How much is car insurance in Hewitt?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Hewitt is about $7 a month cheaper.
If you're thinking of moving to Hewitt from out of state, you may still be in luck. It's around $23 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for Hewitt, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't sweat it however, we've broken down average rates for Hewitt residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, 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|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may creep back up a bit in Hewitt.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in Hewitt, where female drivers pay around $58 per month while male drivers pay about $54.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Hewitt, a driving record with one accident will usually get you a rate around $48 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $37.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$53|
In terms of affordable coverage, the cheapest vehicles to insure in Hewitt are usually SUVs, at $45 per month.
Car owners, on the other hand, by and large pay around $53 a month, while truck and van drivers can expect to pay about $84 per month for auto insurance coverage.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Hewitt are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
More often than not, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Hewitt as well, where the difference is around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
One other element taken into consideration is your housing status. In Hewitt, homeowners can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 premiums.
Car Insurance Companies in Hewitt, TX
Recent trends in car insurance for Hewitt drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Rates in Hewitt have been mixed recently. They increased in 2016, decreased in 2018, and rose again in 2020, before finishing at $72 in 2021.
How does Hewitt compare to neighboring areas?
Why are car insurance rates in Hewitt different from other areas?
Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking accessibility
- Community regulations
- Rate of car accidents
- Prevalence of crime
- Number of drivers
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Hewitt?
While knowing 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.
Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Hewitt.
Hewitt Insurance FAQs
What factors affect car insurance quotes in Hewitt?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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 Hewitt 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 Hewitt?
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 Hewitt?
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. 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 Hewitt 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?