Joshua, TX Car Insurance

The average cost for car insurance in Joshua is about $60 a month. To learn more about policy rates and coverage in the Joshua area, continue reading our guide below.
What should residents of Joshua expect to pay for their car insurance? Compared to their surrounding area, how do rates in Joshua stack up? What about against the rest of Texas? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Joshua?

Area Average Monthly Car Insurance Premium
Joshua$60
TX$64
United States$80

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

Similarly, the expected monthly payments for an auto insurance policy in Joshua are below the national average. Auto insurance coverage in Joshua is about $20 cheaper than it is for the rest of the U.S.

Bear in mind that while these rates are the average costs for Joshua drivers, it doesn't mean that'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. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Joshua residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$89
25-34$61
35-44$51
45-54$45
55-64$40
65+$39

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Joshua may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$62

Although women typically pay less than men do for insurance coverage, this is not the case in Joshua, where female drivers pay around $62 per month while male drivers pay about $57.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$96
Multiple Accidents$103
1 Ticket$169
Multiple Tickets$64

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 Joshua with a single accident will pay around $96 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $169.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$65
2-3 Years$39
4-5 Years$40
6-7 Years$55
8-10 Years$73
11-14 Years$73
15 Years or Older$50

If you look at the first table above, the cheapest vehicles to insure in Joshua are by and large SUVs, at $57 per month.

Cars, trucks, and vans, however, all cost about the same for insurance coverage -- around $61 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Joshua are vehicles eleven-to-fourteen years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$59
Divorced$49
Widowed$36

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

The difference in rates based on relationship status in Joshua is about $4 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$57
Live with parents$87

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Joshua. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Joshua, TX

Recent trends in car insurance for Joshua drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

In Joshua, car insurance rates declined from 2016-2017, before leveling out in 2018. Insurance rates decreased again, reaching a low of $42 in 2020, and finished up at $55 in 2021.

How does Joshua compare to neighboring areas?

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

There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Prevalence of crime
  • Off-street parking accessibility
  • Community laws
  • Total number of drivers
  • Road Safety (total number of local car accidents)

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Joshua?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Joshua.

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

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 parking situations, local laws, 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?

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 Joshua?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Joshua or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes