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How much is car insurance in Joshua?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Joshua is in line with pricing for the rest of Texas.
Similarly, car insurance rates in Joshua are more affordable than the national average. Auto insurance coverage in Joshua is about $18 cheaper than it is for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Joshua, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Joshua so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Joshua Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $55 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Joshua.
Joshua Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Joshua, however, the difference in monthly rates for auto insurance is minimal.
Joshua Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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 Joshua with a single accident on their record is about $97 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $103.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Joshua Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$50|
As you can see in the first table above, the cheapest vehicles to insure in Joshua are usually SUVs, which run about $56 per month.
Car owners can expect to pay an average of around $61 a month for their policy, while truck and van drivers are usually around $67 to insure each month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Joshua are vehicles eight-to-ten years old.
Joshua Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
On average, married policyholders will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Joshua follows that pattern, with the difference totaling to around $7 a month.
Joshua Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Joshua. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Joshua, TX
Recent trends in car insurance for Joshua drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Joshua, car insurance rates went up from 2017-2018, when they reached a high of $73. This changed in 2019, when policy premiums began to decrease. They hit a low of $42 in 2020, and finished at $65 in 2022.
How does Joshua compare to neighboring areas?
Why are car insurance rates in Joshua different from other areas?
Car insurance companies look at many factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Area crime rates
- Number of drivers in the area
- Road Safety (how many accidents each locality has)
- Local laws
- Access to off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Joshua?
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.
But wait! 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 a number of the car insurance companies offering auto coverage in Joshua.
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Joshua Auto Insurance FAQs
What factors affect car insurance quotes in Joshua?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Joshua 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Joshua?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Joshua?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Joshua 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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