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How much is car insurance in North Richland Hills?
|Area||Average Monthly Car Insurance Premium|
|North Richland Hills||$63|
Based on the chart above, you can see that the costs for coverage in North Richland Hills are in line with rates across the rest of Texas.
Compared to the national average cost of auto insurance coverage, North Richland Hills has lower rates. On average, it's about $17 less to insure your vehicle in North Richland Hills than it is in the rest of the United States.
These may be the average auto insurance rates for North Richland Hills, but that doesn't mean it's exactly what you'll pay. 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 worry not, we've done the heavy lifting and broken down the average rate for North Richland Hills to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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North Richland Hills 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? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may rise again in North Richland Hills.
North Richland Hills Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In North Richland Hills, although women do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.
North Richland Hills Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In North Richland Hills, a driving record with a single accident will usually get you a rate around $74 a month. Likewise, drivers with one ticket will be looking at a rate of around $76 a month on average.
North Richland Hills Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$61|
The cheapest vehicles to insure in North Richland Hills are by and large SUVs, with each type typically costing about $59 per month.
Car owners, on the other hand, typically pay around $64 per month, while truck and van drivers can expect to pay about $65 a month for auto insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In North Richland Hills, the most expensive vehicles to insure are vehicles eight-to-ten years old.
North Richland Hills Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Overall, those who have settled down into marriage 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.
According to the table above, the difference in rates based on relationship status in North Richland Hills can be as much as $13 a month, so it's worth taking into consideration.
North Richland Hills Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
One other element taken into consideration is your living situation. If you rent your home or apartment in North Richland Hills, expect to pay around $5 a month more than if you own your home. 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 overall costs, depending on your insurance company.
Car Insurance Companies in North Richland Hills, TX
Recent trends in car insurance for North Richland Hills 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 North Richland Hills, car insurance rates dropped from 2017-2019, when they hit a low of $54. This changed in 2020, when policy premiums started to rise. They reached a high of $69 in 2021, and finished at $64 in 2022.
How does North Richland Hills compare to neighboring areas?
Why are car insurance rates in North Richland Hills different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking access
- Local crime rates
- Road safety
- Amount of drivers in the community
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 North Richland Hills?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in North Richland Hills in no time.
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North Richland Hills Auto Insurance FAQs
What factors affect car insurance quotes in North Richland Hills?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in North Richland Hills different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in North Richland Hills?
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 North Richland Hills?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to North Richland Hills 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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