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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 $17 a month more expensive to insure your vehicle in Humble than it is in the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Humble are above the national average. The cost of insuring a vehicle in Humble is about $2 more expensive than the average rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Humble, keep in mind that you could end up paying a different amount. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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.
We've done the heavy lifting for you and broken down the average rate for Humble so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Humble Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may climb back up in Humble.
Humble Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Humble, the difference comes out to about $8 per month. As you can see in the table above, male drivers in the area typically pay $86 on average, while female drivers typically pay $78 each month.
Humble Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Humble with a single accident on their record will usually see rates around $103 a month. In addition, drivers with one ticket can expect to pay around $105 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Humble Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$79|
As you can see in the first table above, the cheapest vehicles to insure in Humble are usually trucks and vans, which run about $78 per month.
SUV drivers will see rates of about $79 for car insurance coverage, while car owners by and large pay around $84 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. In Humble, vehicles four-to-five years old are the most expensive to insure.
Humble Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$90|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Humble is no exception, with the difference totaling to around $21 a month.
Humble Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $8 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.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Humble, TX
Recent trends in car insurance for Humble drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of car insurance in Humble went up from 2017-2018, before steadying out in 2019. Rates have been increasing again recently, and rose to $105 in 2022.
How does Humble compare to neighboring areas?
Why are car insurance rates in Humble different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Road Safety (total number of local car accidents)
- Community regulations
- Total number of drivers in the area
- Access to off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Humble.
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Humble Auto Insurance FAQs
What factors affect car insurance quotes in Humble?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Humble different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Humble?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Humble?
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, 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 Humble 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.
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