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How much is car insurance in Tomball?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $16 a month more expensive to insure your vehicle in Tomball than it is in the rest of Texas.
Likewise, Tomball residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $1 cheaper than it is in Tomball.
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 a number of factors that determine how much insurance companies might charge you for your insurance policy. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Tomball to help you understand what exactly you might be asked to 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!
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Tomball Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up a bit in Tomball.
Tomball Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Tomball, this difference shakes out to about $5 per month. As you can see in the chart above, car insurance for women in the area typically costs around $79 each month, while men pay $84 on average.
Tomball Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Tomball, having a single accident on your record will usually get you rates around $111 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $99.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Tomball Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$80|
The most affordable vehicles to insure in Tomball are by and large trucks and vans, which run about $75 per month.
Car owners can expect to pay an average of around $86 a month for their policy, while SUVs usually cost around $76 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending 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 monthly premium drop back down. The most expensive vehicles to insure in Tomball are vehicles eleven-to-fourteen years old.
Tomball Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$97|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
The difference in rates based on relationship status in Tomball can be as much as $36 a month, so it's worth keeping that in mind.
Tomball Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
Your housing status is another factor that affects your monthly rate. Drivers who own property in Tomball can expect to pay around $8 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
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 Tomball, TX
Recent trends in car insurance for Tomball drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Tomball, the rates for auto insurance have been mixed over the past few years. They rose in 2017, dropped in 2019, and increased again in 2021, before finishing at $118 in 2022.
How does Tomball compare to neighboring areas?
Why are car insurance rates in Tomball different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Frequency of car accidents
- Total amount of drivers in the community
- Off-street parking access
- Regional regulations
- Regional crime rates
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Tomball?
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.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Tomball.
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Tomball Auto Insurance FAQs
What factors affect car insurance quotes in Tomball?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as 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 parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Tomball?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tomball?
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?
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 Tomball 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.
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