Joshua, TX Car Insurance

Drivers in Joshua pay, on average, $63 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What rates can residents of Joshua expect to pay for their car insurance? Are rates in Joshua higher or lower than those in neighboring areas? How do they compare to the rest of Texas? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Joshua?

Area Average Monthly Car Insurance Premium
Joshua$63
TX$65
United States$81

As you can tell by looking at the chart above, car insurance rates in Joshua are about the same as the rest of Texas.

Drivers relocating from out of state may enjoy some cost savings in Joshua. Car insurance rates for the U.S. as a whole are, on average, $18 more expensive than the rates you'd pay in Joshua.

While these are the average monthly costs for auto insurance coverage in Joshua, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

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. To find out if you're getting the cheapest rate, 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$95
25-34$63
35-44$53
45-54$45
55-64$40
65+$39

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $56 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up in Joshua.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$62

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Joshua, although women do pay a little bit less on their monthly auto insurance coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$97
Multiple Accidents$109
1 Ticket$101
Multiple Tickets$81

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Joshua with one accident will pay around $97 a month. Similarly, drivers with one ticket will typically pay around $101 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

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$78
11-14 Years$74
15 Years or Older$51

If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Joshua, with drivers paying around $56 per month for insurance coverage.

Car owners can expect to pay an average of around $61 a month for their policy, while truck and van drivers are usually around $68 to insure each month.

You can also expect to see slightly different rates depending on your vehicle's age. 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 Joshua, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$59
Divorced$50
Widowed$36

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

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.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$61
Live with parents$86

Your housing status is another factor that affects your monthly rate. Drivers who own property in Joshua can expect to pay around $7 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

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 when deciding when and where to shop.

Rates in Joshua have been mixed recently. They increased in 2017, declined in 2019, and rose again in 2021, before finishing at $83 in 2022.

How does Joshua compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Rate of crime
  • Road Safety (total number of local car accidents)
  • Off-street parking access
  • Local regulations
  • Amount of drivers in the community

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. 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 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.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Joshua.

Compare the cheapest quotes from dozens of insurance companies

Joshua Insurance FAQs

What factors affect car insurance quotes in Joshua?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, 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 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?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Joshua or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes