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How much is car insurance in Rhome?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Rhome typically costs about $8 a month less than it does in the rest of Texas.
Compared to the national average cost of auto insurance coverage, Rhome has lower rates. The average monthly payment for the United States as a whole is about $23 more expensive than in Rhome.
Although these are the average rates for auto insurance in Rhome, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Rhome to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Rhome Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance rates, 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 twice as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Rhome.
Rhome Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Rhome, male drivers pay about $9 more per month. As illustrated in the table above, male drivers in the area pay about $62 on average, while female drivers pay around $53 each month.
Rhome Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Rhome, drivers with one accident on their record will experience rates around $69 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $48 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Rhome Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$48|
In Rhome, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $48 per month to insure their vehicle.
Car owners, on the other hand, typically pay around $67 a month, while SUV drivers can expect to pay about $50 per month for auto insurance.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Rhome, vehicles four-to-five years old are the most expensive to insure.
Rhome Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Rhome is no exception, with the difference totaling to around $20 a month.
Rhome Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $8 a month more than drivers who own property in Rhome. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Rhome, TX
Recent trends in car insurance for Rhome drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Car insurance rates in Rhome increased from 2017-2018, before steadying out in 2019. They finished up in 2022, at $54 a month
How does Rhome compare to neighboring areas?
Why are car insurance rates in Rhome different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Community regulations
- Frequency of car accidents
- Amount of off-street parking
- Amount of drivers in the area
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. 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 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.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Rhome.
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Rhome Auto Insurance FAQs
What factors affect car insurance quotes in Rhome?
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 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?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Rhome?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Rhome 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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