Hurst, TX Car Insurance

On average, Hurst drivers pay a monthly average rate of around $61 for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How much can residents of Hurst expect to pay for their car insurance? How do rates in Hurst measure up compared to neighboring areas, including Texas as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Hurst?

Area Average Monthly Car Insurance Premium
Hurst$61
TX$65
United States$81

Based on the chart above, you can see that coverage in Hurst typically costs about $4 a month less than it does in the rest of Texas.

Similarly, car insurance rates in Hurst are often favorable when viewed against the rest of the country. It's about $20 cheaper to insure your vehicle in Hurst compared to the average rate for the U.S. as a whole.

While these are the average car insurance rates for Hurst, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've broken down average rates for Hurst to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$104
25-34$56
35-44$57
45-54$51
55-64$46
65+$49

The longer you've been on the road, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Hurst may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$58

On average, female drivers pay slightly less than male drivers for car insurance. In Hurst, this difference shakes out to about $5 a month. As you can see in the table above, male drivers in the area typically pay $63 on average, while female drivers typically pay $58 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$74
Multiple Accidents$108
1 Ticket$84
Multiple Tickets$78

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Hurst with a single accident will pay around $74 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $84 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$65
2-3 Years$56
4-5 Years$57
6-7 Years$61
8-10 Years$62
11-14 Years$63
15 Years or Older$59

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Hurst, with drivers paying around $60 per month for auto insurance.

Car owners, on the other hand, usually pay around $61 per month, while SUV drivers can expect to pay about $62 a month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. 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 decrease. The most expensive vehicles to insure in Hurst are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$54
Divorced$49
Widowed$43

On average, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Hurst follows that pattern, with the difference totaling to around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$62
Live with parents$95

One other element taken into consideration is your living situation. If you rent your home or apartment in Hurst, expect to pay around $11 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Hurst, TX

Recent trends in car insurance for Hurst drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

Car insurance rates in Hurst increased from 2017-2018, before leveling out in 2019. They finished down in 2022, at $57 per month

How does Hurst compare to neighboring areas?

Why are car insurance rates in Hurst different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Number of drivers in the area
  • Local laws
  • Regional crime rates
  • Road Safety (frequency of local car accidents)
  • Off-street parking access

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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Hurst?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Hurst.

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Hurst Insurance FAQs

What factors affect car insurance quotes in Hurst?

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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Hurst 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 Hurst?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Hurst?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Hurst or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes