Table of contents
How much is car insurance in Hockley?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Hockley is about $9 a month more expensive than the rest of Texas.
Compared to the rest of the country, auto insurance in Hockley is more affordable. It's about $7 cheaper to insure your vehicle in Hockley compared to the average rate for the U.S. as a whole.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Hockley to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in 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. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Hockley drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Hockley, male drivers pay about $8 more a month. Looking at the table above, you can see that female drivers pay around $69 on average, while male drivers typically pay $77 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Hockley, having a single accident on your record will usually get you rates around $97 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $63.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$119|
|15 Years or Older||$62|
As you can see in the first table above, the cheapest vehicles to insure in Hockley are by and large SUVs, which run about $63 per month.
Car owners will see rates of about $71, while truck and van owners usually pay around $80 per month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Hockley, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$82|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
In Hockley, the difference in rates based on relationship status can be as much as $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Your living situation is another factor that affects your monthly rate. In Hockley, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Hockley, TX
Recent trends in car insurance for Hockley 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.
The cost of auto insurance in Hockley increased from 2018-2019, before leveling out in 2020. Car insurance rates finished up in 2021, at $114 a month
How does Hockley compare to neighboring areas?
Why are car insurance rates in Hockley different from other areas?
Car insurance companies will take into account a variety of 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:
- Access to off-street parking
- Community laws
- Number of car accidents
- Amount of drivers in the community
- Prevalence of crime
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Hockley?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Hockley.
Hockley Insurance FAQs
What factors affect car insurance quotes in Hockley?
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 Hockley different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Hockley?
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 Hockley?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Hockley or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.