Hewitt, TX Car Insurance

Hewitt drivers pay, on average, around $55 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates should residents of Hewitt expect to pay for their car insurance? How does Hewitt compare to the surrounding area and the rest of Texas? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Hewitt?

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

The cost of coverage in Hewitt is about $10 a month cheaper than it is for the rest of Texas.

Likewise, the expected monthly payments for an auto insurance policy in Hewitt are below the national average. It's around $26 less to insure your vehicle compared to the average rate for the United States as a whole.

While these are the average car insurance rates for Hewitt, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've analyzed the average rate for Hewitt and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$102
25-34$49
35-44$44
45-54Not Enough Data
55-64$18
65+$54

The older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may creep back up in Hewitt.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$56

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Hewitt, although men do pay slightly less on their monthly insurance rates, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$48
Multiple Accidents$68
1 Ticket$38
Multiple Tickets$42

Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Hewitt with one accident will pay around $48 a month. Likewise, drivers with one ticket will be looking at a rate of around $38 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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$45
2-3 Years$35
4-5 Years$66
6-7 Years$52
8-10 Years$57
11-14 Years$63
15 Years or Older$52

In terms of affordable coverage, the cheapest vehicles to insure in Hewitt are usually SUVs, at $45 per month.

SUV owners can expect to pay an average of around $45 a month for their policy, while truck and van drivers are usually around $76 to insure each month.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Hewitt, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$47
Divorced$51

Generally speaking, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Hewitt can be as much as $12 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$51
Live with parents$86

Another factor taken into consideration is your housing situation. If you rent your home or apartment in Hewitt, expect to pay around $5 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Hewitt, TX

Recent trends in car insurance for Hewitt drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Hewitt, car insurance rates had been decreasing from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $32.

How does Hewitt compare to neighboring areas?

Why are car insurance rates in Hewitt different from other areas?

Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Road Safety (total number of local car accidents)
  • Availability of off-street parking
  • Local regulations
  • Number of drivers in the region
  • Rate of crime

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. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Hewitt?

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.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Hewitt.

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Hewitt Insurance FAQs

What factors affect car insurance quotes in Hewitt?

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

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Hewitt?

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 Hewitt?

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 Hewitt 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.

Find your best rate in just a few minutes