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How much is car insurance in Hurst?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Hurst are in line with rates across the rest of Texas.
Likewise, when compared to the national average, the cost for auto insurance in Hurst is lower. The average monthly payment in Hurst is about $18 less than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in Hurst, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've broken down average rates for Hurst to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Hurst Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $59 more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may creep back up a bit in Hurst.
Hurst Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a bit less than male drivers on their monthly premiums, the difference in Hurst is only about $3 per month.
Hurst Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Hurst, drivers with one accident on their record will experience rates around $74 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $83.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Hurst Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$58|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Hurst, with drivers paying around $60 per month to insure their vehicle.
Meanwhile, Hurst drivers who own a car or SUV can expect to pay about $62 for auto insurance.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are 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 Hurst, vehicles eleven-to-fourteen years old are the most expensive to insure.
Hurst Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
In Hurst, the difference in rates based on relationship status can be as much as $15 a month.
Hurst Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
Another factor that comes into play is your living situation. If you rent your home or apartment in Hurst, expect to pay around $7 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
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 Hurst, TX
Recent trends in car insurance for Hurst 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 rates for auto insurance in Hurst increased from 2017-2018, before steadying out in 2019. They finished down in 2022, at $67 a month
How does Hurst compare to neighboring areas?
Why are car insurance rates in Hurst different from other areas?
Car insurance companies look at numerous factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Off-street parking availability
- Total number of drivers in the community
- Road Safety (how many accidents each locality has)
- Crime rates
- Community laws
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. 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 Hurst?
Equipping 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.
Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Hurst.
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Hurst Auto Insurance FAQs
What factors affect car insurance quotes in Hurst?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record 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?
Things like local laws, crime rates, 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 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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Hurst?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Hurst 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.
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