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How much is car insurance in Hockley?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Hockley are about $10 a month more expensive than the rest of Texas.
On the other hand, the expected monthly payments for an auto insurance policy in Hockley are below the national average. Car insurance rates for the U.S. as a whole are, on average, $5 more expensive than the rates you'd pay in Hockley.
Keep in mind that while these are the average car insurance rates for Hockley, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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.
We've done the heavy lifting for you and broken down the average rate for Hockley so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Hockley Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to go back up in Hockley.
Hockley Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Hockley, the difference is around $5 a month. As illustrated in the table above, male drivers in the area pay about $78 on average, while female drivers pay around $73 each month.
Hockley 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 Hockley, a driving record with a single accident will usually get you a rate around $97 a month. In addition, drivers with one ticket can expect to pay around $77 a month on average.
Hockley Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$113|
|15 Years or Older||$63|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Hockley, with drivers paying around $70 per month for insurance.
Car owners can expect to pay an average of around $77 a month for their policy, while truck and van drivers are usually around $74 to insure each month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Hockley, vehicles less than one year old are the most expensive to insure.
Hockley Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
Generally, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Hockley is no exception, with the difference totaling to around $24 a month.
Hockley Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Your housing situation is another factor that affects your monthly rate. Homeowners in Hockley can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
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 overall costs.
Car Insurance Companies in Hockley, TX
Recent trends in car insurance for Hockley 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.
Auto insurance rates in Hockley went up from 2017-2019, before leveling out in 2020. They finished down in 2022, at $88 per month
How does Hockley compare to neighboring areas?
Why are car insurance rates in Hockley different from other areas?
Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Total amount of drivers in the community
- Rate of car accidents
- Rate of crime
- Availability of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Hockley?
While getting familiar with 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.
But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Hockley.
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Hockley Auto 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 like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Hockley different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Hockley?
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 Hockley?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
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 Hockley 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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