Rhome, TX Car Insurance

Drivers in Rhome pay around $59 a month for their car insurance. To learn more about car insurance rates in the Rhome area, read our guide below.
What can Rhome residents expect to pay for their car insurance? How does Rhome stack up to the rest of the area, or even Texas as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Rhome?

Area Average Monthly Car Insurance Premium
Rhome$59
TX$64
United States$80

The cost of coverage in Rhome is about $5 a month cheaper than it is for the rest of Texas.

Likewise, car insurance rates in Rhome are more affordable than the national average. It's about $21 cheaper to insure your vehicle in Rhome compared to the average rate for the United States as a whole.

Although these are the average car insurance rates in Rhome, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rates for Rhome residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$107
25-34$53
35-44$43
45-54Not Enough Data
55-64$41
65+$44

The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $63 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may begin to go back up in Rhome.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$55

Female drivers pay, on average, slightly less than their male counterparts. In Rhome, the difference comes out to about $8 per month. As illustrated in the table above, female drivers in the area pay about $55 on average, while male drivers pay around $63 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$147
1 Ticket$77
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Rhome, a driving record with one accident will usually get you a rate around $66 a month. In addition, drivers with one ticket can expect to pay around $77 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$43
2-3 Years$82
4-5 Years$84
6-7 Years$62
8-10 Years$65
11-14 Years$67
15 Years or Older$48

In terms of affordable coverage, the cheapest vehicles to insure in Rhome are typically trucks and vans, at $51 per month.

SUV drivers will see rates of about $55, while the rates for car owners average out to about $65 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Rhome, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$65
Married$45
Divorced$42
Widowed$48

Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Rhome can be as much as $20 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$61
Live with parents$93

Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $14 a month more than drivers who own property in Rhome. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Rhome, TX

Recent trends in car insurance for Rhome drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

The cost of car insurance in Rhome increased from 2016-2018, before steadying out in 2019. Rates finished down in 2021, at $50 per month

How does Rhome compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Community regulations
  • Frequency of car accidents
  • Crime
  • Amount of off-street parking
  • Total number of drivers

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 Rhome?

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.

Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Rhome.

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Rhome Insurance FAQs

What factors affect car insurance quotes in Rhome?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Rhome different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Rhome?

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Rhome?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Rhome or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes