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How much is car insurance in Tomball?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $14 a month cheaper than the rates drivers pay in Tomball.
Compared to the rest of the country, auto insurance in Tomball is more affordable. The average monthly payment in Tomball is about $2 less than the rate for the rest of the United States.
While these are the average costs to insure your vehicle in Tomball, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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.
But don't worry, we've broken down average rates for Tomball residents so that you can get a more accurate idea of what you might 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 older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $76 more than 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 start to rise again in Tomball.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Tomball, male drivers pay about $6 more per month. Based on the chart above, you can see that male drivers pay $80 on average, while female drivers typically pay $74 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Tomball with one accident will pay around $103 a month. Similarly, drivers with one ticket will typically pay around $121 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$74|
In terms of affordable coverage, the cheapest vehicles to insure in Tomball are usually SUVs, at $69 per month.
Truck and van drivers will see rates of about $72 for car insurance coverage, while car owners by and large pay around $82 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Tomball, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$92|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Tomball is no exception, with the difference totaling to around $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than those who own their own home in Tomball. 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 premiums.
Car Insurance Companies in Tomball, TX
Recent trends in car insurance for Tomball drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Car insurance rates in Tomball rose from 2016-2018, when they hit a high of $99. This shifted in 2019, when car insurance rates started to decrease. They reached a low of $67 in 2020, and finished up in 2021, at $91 per month.
How does Tomball compare to neighboring areas?
Why are car insurance rates in Tomball different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Number of drivers in the area
- Regional regulations
- Off-street parking availability
- Rate of crime
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Tomball?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Tomball.
Tomball Insurance FAQs
What factors affect car insurance quotes in Tomball?
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, address, and marital status.
Why is the cost of car insurance in Tomball different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Tomball?
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 Tomball?
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?
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 Tomball 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?