Rhome, TX Car Insurance

Residents of Rhome pay, on average, about $57 per month for car insurance. To learn more about what you're likely to pay in the Rhome area, read our guide below.
How does Rhome stack up to the rest of the area, or even Texas as a whole? What can Rhome residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Rhome?

Area Average Monthly Car Insurance Premium
Rhome$57
TX$65
United States$81

Compared to the rest of the Texas, coverage in Rhome is about $8 a month cheaper.

Likewise, the expected monthly payments for an auto insurance policy in Rhome are below the national average. The average monthly payment for the United States as a whole is about $24 more expensive than in Rhome.

While these numbers represent the average monthly payments for coverage in Rhome, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Rhome so that you can get a more accurate idea of what your monthly bill might be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$106
25-34$54
35-44$42
45-54Not Enough Data
55-64$41
65+$44

It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates start to rise again once you hit retirement age in Rhome.

Average Car Insurance Rates by Gender

Gender Average
Male$62
Female$53

In general, female drivers pay less for car insurance than their male counterparts. In Rhome, the difference comes out to about $9 per month. As illustrated in the table above, female drivers in the area pay about $53 on average, while male drivers pay around $62 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$147
1 Ticket$51
Multiple Tickets$67

Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay much less than those with infractions. Drivers in Rhome with a single accident on their record will usually see rates around $66 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $51 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$43
2-3 Years$82
4-5 Years$83
6-7 Years$62
8-10 Years$64
11-14 Years$66
15 Years or Older$46

As you can see in the first table above, the cheapest vehicles to insure in Rhome are usually trucks and vans, which run about $48 per month.

Car owners, on the other hand, by and large pay around $68 a month, while SUV drivers can expect to pay about $50 per month for insurance coverage.

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. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Rhome are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$64
Married$44
Divorced$43
Widowed$48

Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

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$48
Rent$57
Live with parents$92

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $9 a month more than homeowners in Rhome. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Rhome, TX

Recent trends in car insurance for Rhome drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for car insurance in Rhome had been increasing from 2017-2018, before steadying out in 2019. They finished up in 2022, at $52 a month

How does Rhome compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Area crime rates
  • Area regulations
  • Amount of drivers
  • Road Safety (frequency of local car accidents)
  • Access to off-street parking

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Rhome?

While knowing 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.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several 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 address, credit score, driving record and 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?

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, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

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 Rhome?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Rhome or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes