Table of contents
How much is car insurance in North Richland Hills?
|Area||Average Monthly Car Insurance Premium|
|North Richland Hills||$63|
As you can tell by looking at the chart above, car insurance rates in North Richland Hills are about the same as the rest of Texas.
Similarly, the expected monthly payments for an auto insurance policy in North Richland Hills are below the national average. Car insurance rates for the U.S. as a whole are, on average, $18 more expensive than the rates you'd pay in North Richland Hills.
Bear in mind that while these are the average car insurance rates for North Richland Hills, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for North Richland Hills and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||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. According to the table above, you can see that 18-24-year-olds pay $48 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in North Richland Hills.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In North Richland Hills, 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|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay less than those with accidents or violations. The rate for drivers in North Richland Hills with a single accident on their record is about $74 a month. Likewise, drivers with one ticket will be looking at a rate of around $77 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$61|
The most affordable vehicles to insure in North Richland Hills are by and large SUVs, which run about $60 per month.
Car owners will see rates of about $63, while truck and van owners typically pay around $66 a month.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in North Richland Hills are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Overall, 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 that will often get you a discount.
The difference in rates based on relationship status in North Richland Hills can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in North Richland Hills can expect to pay around $5 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 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 when deciding when and where to shop.
In North Richland Hills, auto insurance rates had been increasing from 2017-2019, when they reached a low of $54. This shifted in 2020, when car insurance rates began to increase. They hit a high of $69 in 2021, and finished down in 2022, at $59 per month.
How does North Richland Hills compare to neighboring areas?
Why are car insurance rates in North Richland Hills different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Community laws
- Off-street parking availability
- Local crime rates
- Rate of car accidents
- Total number of drivers
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in North Richland Hills?
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.
Luckily, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering policies in North Richland Hills.
North Richland Hills 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 age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in North Richland Hills different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in North Richland Hills?
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 North Richland Hills?
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. 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 North Richland Hills 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?