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How much is car insurance in Huffman?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Huffman will typically run you about $12 a month more than in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Huffman. The average monthly payment in Huffman is about $4 less than the rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Huffman, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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 the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Huffman so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Huffman.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for insurance coverage, in Huffman men actually pay $68 per month for coverage while women pay $81.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Huffman, drivers with one accident on their record will experience rates around $105 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $71.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$75|
The cheapest vehicles to insure in Huffman are by and large trucks and vans, with each type typically costing about $69 per month.
Car owners, on the other hand, usually pay around $77 a month, while SUV drivers can expect to pay about $80 per month to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Huffman are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
Generally, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Huffman follows that pattern, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$140|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Huffman, expect to pay around $7 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Huffman, TX
Recent trends in car insurance for Huffman drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Huffman declined from 2016-2019, but began to increase in 2020. This trend has continued through 2021 when rates have most recently reached $100 a month.
How does Huffman compare to neighboring areas?
Why are car insurance rates in Huffman different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Amount of drivers in the community
- Road Safety (frequency of local car accidents)
- Prevalence of crime
- Local regulations
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Huffman?
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.
But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Huffman.
Huffman Insurance FAQs
What factors affect car insurance quotes in Huffman?
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 year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Huffman different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Huffman?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Huffman?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Huffman or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.