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How much is car insurance in North Richland Hills?
|Area||Average Monthly Car Insurance Premium|
|North Richland Hills||$62|
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.
Likewise, car insurance rates in North Richland Hills are more affordable than the national average. You can expect to pay about $18 below the national average for auto insurance in North Richland Hills.
Bear in mind that while these rates represent the expected monthly payments for North Richland Hills drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 even your credit score depending on the circumstances.
We've analyzed the average rate for North Richland Hills and broken down the different factors 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may rise again in North Richland Hills.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in North Richland Hills is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In North Richland Hills, having a single accident on your record will usually get you rates around $71 a month. Likewise, drivers with one ticket will be looking at a rate of around $104 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$62|
In North Richland Hills, the cheapest vehicles to insure are usually SUVs, with drivers paying around $59 per month for insurance coverage.
SUV owners will see rates of about $59, while truck and van owners by and large pay around $66 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most 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.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. North Richland Hills follows that pattern, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Another factor 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 property. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in North Richland Hills, TX
Recent trends in car insurance for North Richland Hills drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In North Richland Hills, auto insurance rates dropped from 2016-2019, before steadying out in 2020. Rates finished down in 2021, at $55 per month
How does North Richland Hills compare to neighboring areas?
Why are car insurance rates in North Richland Hills different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Regional laws
- Crime levels
- Number of drivers in the community
- Amount of off-street parking
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering coverage in North Richland Hills.
North Richland Hills Insurance FAQs
What factors affect car insurance quotes in North Richland Hills?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like 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?
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, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in North Richland Hills?
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 North Richland Hills?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 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.