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How much is car insurance in Pharr?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Pharr as it is in the rest of Texas.
On the other hand, car insurance rates in Pharr are often favorable when viewed against the rest of the country. It's about $14 cheaper to insure your vehicle in Pharr compared to the average rate for the United States as a whole.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down average rates for Pharr to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Pharr 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? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Pharr.
Pharr Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Pharr is only about $1 per month.
Pharr Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. In Pharr, having a single accident on your record will usually get you rates around $74 a month. In addition, drivers with one ticket can expect to pay around $100 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Pharr Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$80|
|15 Years or Older||$54|
In terms of affordable coverage, the cheapest vehicles to insure in Pharr are usually trucks and vans, at $61 per month.
Meanwhile, Pharr drivers who own a car or SUV can expect to pay about $67 for auto insurance.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Pharr, the most expensive vehicles to insure are vehicles two-to -three years old.
Pharr Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
On average, people who are 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.
In Pharr, the difference in rates based on relationship status can be as much as $17 a month.
Pharr Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Pharr, expect to pay around $9 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Pharr, TX
Recent trends in car insurance for Pharr drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of auto insurance in Pharr had been decreasing from 2017-2019, when it hit a low of $59, but started to rise from 2020-2021. It finished down in 2022, at $69.
How does Pharr compare to neighboring areas?
Why are car insurance rates in Pharr different from other areas?
Car insurance companies take in several factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Number of drivers
- Off-street parking availability
- Crime levels
- Local laws
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Pharr?
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 hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Pharr.
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Pharr Auto Insurance FAQs
What factors affect car insurance quotes in Pharr?
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 year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Pharr different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Pharr?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Pharr?
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. 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 Pharr 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?
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