Table of contents
How much is car insurance in Whitehouse?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month more expensive to insure your vehicle in Whitehouse than it is in the rest of Texas.
On the flip side, the expected monthly payments for an auto insurance policy in Whitehouse are below the national average. You can expect to pay about $9 less for your policy in Whitehouse than in the rest of U.S.
While these are the average costs to insure your vehicle in Whitehouse, 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. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Whitehouse to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
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 auto insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Whitehouse.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Whitehouse is around $20 a month. As illustrated in the table above, female drivers in the area pay about $61 on average, while male drivers pay around $81 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Whitehouse, a driving record with a single accident will usually get you a rate around $84 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$153|
|15 Years or Older||$71|
The most affordable vehicles to insure in Whitehouse are by and large cars, which run about $65 per month.
SUV owners can expect to pay an average of around $92 a month for their policy, while truck and van drivers are usually around $70 to insure each month.
In addition to vehicle type, 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. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Whitehouse, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Overall, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
In Whitehouse, the difference in rates based on relationship status can be as much as $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than drivers who own property in Whitehouse. 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 Whitehouse, TX
Recent trends in car insurance for Whitehouse 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.
The cost of car insurance coverage in Whitehouse went up from 2016-2018, before leveling out in 2019. Rates had been increasing again recently, reaching a high of $96 in 2021.
How does Whitehouse compare to neighboring areas?
Why are car insurance rates in Whitehouse different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Total amount of drivers in the community
- Off-street parking access
- Road Safety (frequency of local car accidents)
- Area regulations
- Area crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing 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 Whitehouse?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Whitehouse.
Whitehouse Insurance FAQs
What factors affect car insurance quotes in Whitehouse?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Whitehouse different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Whitehouse?
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 Whitehouse?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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 Whitehouse or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?