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How much is car insurance in Humble?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $16 a month more expensive to insure your vehicle in Humble than it is in the rest of Texas.
However, car insurance rates in Humble are often favorable when viewed against the rest of the country. The average monthly payment for the U.S. as a whole is about $0 more expensive than in Humble.
Although these are the average rates for auto insurance in Humble, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car 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 analyzed the average rate for Humble and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Humble may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Humble, this difference shakes out to about $9 a month. As you can see in the chart above, car insurance for women in the area typically costs around $76 each month, while men pay $85 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Humble with a single accident on their record is about $100 a month. Likewise, drivers with one ticket will be looking at a rate of around $104 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$72|
|15 Years or Older||$76|
The cheapest vehicles to insure in Humble are by and large SUVs, trucks, and vans, with each type typically costing about $77 per month.
The rate for car owners, on the other hand, is closer to $83 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Humble, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
More often than not, those who are currently married will pay slightly less for insurance coverage. 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, married drivers usually pay less than single drivers for auto insurance. This holds true for Humble as well, where the difference is around $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Humble. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Humble, TX
Recent trends in car insurance for Humble drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The cost of car insurance coverage in Humble rose from 2017-2018, before leveling out in 2019. They went up again, reaching a high of $99 in 2021, and finished down at $98 in 2022.
How does Humble compare to neighboring areas?
Why are car insurance rates in Humble different from other areas?
Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Access to off-street parking
- Total amount of drivers in the community
- Local regulations
- Road Safety (frequency of car accidents)
- Regional crime rates
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. 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 Humble?
While knowing 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.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Humble.
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Humble Insurance FAQs
What factors affect car insurance quotes in Humble?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Humble 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Humble?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Humble?
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Humble or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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