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How much is car insurance in Huffman?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Huffman are about $18 a month more expensive than the rest of Texas.
Likewise, Huffman residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $3 more expensive than the national average to insure your vehicle in Huffman.
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. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've broken down average rates for Huffman to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Huffman Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Huffman.
Huffman Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Huffman, male drivers pay about $4 more per month. Based on the chart above, you can see that female drivers pay around $81 on average, while male drivers typically pay $85 each month.
Huffman Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Huffman, a driving record with a single accident will usually get you a rate around $105 a month. Likewise, drivers with one ticket will be looking at a rate of around $101 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Huffman Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$77|
The most affordable vehicles to insure in Huffman are usually trucks and vans, which run about $75 per month.
SUV drivers will see rates of about $81, while the rates for car owners average out to about $87 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Huffman, the most expensive vehicles to insure are vehicles four-to-five years old.
Huffman Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$92|
More often than not, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in Huffman can be as much as $25 a month, so it's worth taking into consideration.
Huffman Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$156|
Your living situation is another factor that affects your monthly rate. In Huffman, homeowners can expect to pay around $4 a month less than those who rent. 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 average costs, depending on your insurance company.
Car Insurance Companies in Huffman, TX
Recent trends in car insurance for Huffman drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The cost of auto insurance in Huffman decreased from 2017-2019, but began to rise in 2020. This pattern has continued through 2022 when rates have most recently hit $140.
How does Huffman compare to neighboring areas?
Why are car insurance rates in Huffman different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Local laws
- Availability of off-street parking
- Road Safety (frequency of car accidents)
- Number of drivers in the community
- Area crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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?
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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Huffman.
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Huffman Auto Insurance FAQs
What factors affect car insurance quotes in Huffman?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Huffman different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Huffman?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Huffman?
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 Huffman 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.
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