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How much is car insurance in Humble?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Humble are about $14 a month more expensive than the rest of Texas.
On the other hand, when compared to the national average, the cost for auto insurance in Humble is lower. On average, it's about $2 less to insure your vehicle in Humble than it is in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Humble, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Humble to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in Humble.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Humble, this difference shakes out to about $9 a month. Based on the chart above, you can see that female drivers pay around $73 on average, while male drivers typically pay $82 each month.
Average 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 Humble, having a single accident on your record will usually get you rates around $95 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $149.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$73|
As you can see in the first table above, the cheapest vehicles to insure in Humble are usually SUVs, which run about $77 per month.
Cars, trucks, and vans, on the other hand, usually cost about $78 to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Humble, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Humble follows that pattern, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Your living situation is another component of how insurance companies calculate your monthly rate. In Humble, homeowners can expect to pay around $7 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
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 car insurance premiums.
Car Insurance Companies in Humble, TX
Recent trends in car insurance for Humble drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
Car insurance rates in Humble had been increasing from 2016-2018, before leveling out in 2019. Rates went up again recently, reaching a high of $93 in 2021.
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 a number of factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Access to off-street parking
- Road Safety (how many accidents each locality has)
- Number of drivers in the community
- Area crime rates
- Community regulations
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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer plans in Humble.
Humble 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 like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Humble different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Humble?
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 Humble?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Humble 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.