This Hurst auto guide covers the local picture, illustrative rates by driver age and carrier, and how to compare quotes without guesswork.
Hurst in brief
Hurst counts roughly 39,016 residents and lies within Tarrant County.
Hurst sits in the Tarrant County area, where day-to-day insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Replacement cost, roof age, and construction type still drive most block-by-block premium differences across the single-family homes typical of the Tarrant County area.
Hail, tornadoes, and severe thunderstorms, common across the Plains, often shape how North Texas homes are rated.
Hurst, Texas: average car insurance rates
For comparison only: these are illustrative estimates and averages, and none is a guaranteed quote. Your own quote will hinge on who drives and what they drive, where the car is garaged by ZIP, the limits and deductibles you pick, credit where allowed, and your claims history.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Texas | $163.90 |
| Hurst, Texas | $149.04 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $971.88 |
| 20s | $117.36 |
| 30s | $105.59 |
| 40s | $117.39 |
| 50s | $114.66 |
| 60s | $99.22 |
| 70+ | $105.48 |
Cheapest car insurers for Hurst, TX drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | NatGen Premier | $128.54 |
| 2 | Progressive | $132.22 |
| 3 | Safeco | $137.97 |
| 4 | Elephant | $141.43 |
| 5 | Travelers | $144.82 |
| 6 | GEICO | $148.24 |
| 7 | Allstate | $154.64 |
| 8 | Lumen Select | $157.85 |
| 9 | National General NS | $164.70 |
| 10 | GAINSCO | $177.43 |
Check Out Other Rates in Hurst, TX Nearby Cities:
Hurst driving and insurance context
Hurst counts roughly 39,016 residents and lies within Tarrant County. The population is roughly 39,016. Hail, tornadoes, and severe thunderstorms, common across the Plains, often shape how North Texas homes are rated.
Garaging ZIP and annual mileage both show up in underwriting because Hurst commuters often mix local arterials and highway stretches. Comprehensive claims, and eventually the rates filed for surrounding ZIP codes, reflect local weather, above all hail, high winds, and sudden severe storms. That is why two neighbors in Hurst can see different premiums even with similar vehicles: construction of the car, credit-based insurance score where allowed, prior claims, and the exact garaging address all move the quote.
Anyone new to the Tarrant County area should take a few minutes to confirm how they use the vehicle. Picking one trim over another in the same model year matters far less than teen drivers, rideshare activity, or a highway-heavy commute. Be specific about how the car is used in your quote request, which lets us match carriers that price that profile aggressively.
How long you have owned the car and its safety equipment tie into discounts in ways many Hurst drivers underestimate. Continuous coverage, automatic emergency braking, and anti-theft devices carry different weight from one carrier to the next. Skip re-entering one application on ten sites: let an independent agent translate those differences into a shortlist.
Keep the declarations pages from your current policy handy; it is a practical detail that matters. A fair Hurst comparison is quickest to build when you start with limits, deductibles, and listed drivers. A dramatically cheaper quote deserves a check: did liability limits drop, was comprehensive removed, or was someone in the household left off?
Tips and tricks to lower car insurance rates in Hurst
A low binder price is not the only goal when you shop. The durable wins usually come from cleaning up garaging address accuracy and listed drivers before you compare, then re-checking the market every policy term.
- Compare at least several carriers each renewal. Appetite shifts after storm seasons and loss trends. The cheapest Hurst carrier changes: last year’s lowest price may not lead today.
- Let the math decide on bundling. Look at the total for home and auto together, not the auto line by itself; combining is worth it only when the total is lower. Start your request at /get-a-quote/auto-quote, and mention any homeowners or renters policy you already have.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $971.88, far above adult buckets near $99. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Telematics: proceed with care. Hard stops and night miles can undo the savings, even though usage-based programs can reward gentle acceleration and low overnight mileage.
- Keep continuous coverage. Even a short gap often costs more than the months you skipped.
- Garage where you say you do. Before binding, correct it if the car is kept in Hurst but insured at another address (or the reverse).
- Ask about paperless, autopay, paying in full, and professional affiliations. Together they can shift a close quote, even though each is small alone.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. To keep underwriting from guessing, bring those details to your Hurst quote review.
Car coverage guides for Hurst drivers
The Texas minimum keeps you legal, but it seldom covers a serious injury claim or a newer financed vehicle. Use the outline below as a checklist while you compare quotes for Hurst.
- Liability: bodily injury & property damage: Coverage that pays other people if you cause the accident. If you have home equity or savings, or a long commute in dense traffic, it pays to consider higher limits.
- Collision: Covers damage to your car in a crash with a car or object, after your deductible.
- Comprehensive: Handles damage that is not from a collision, like theft, hail, glass breakage, and animal strikes, especially relevant in storm-prone areas.
- Uninsured or underinsured motorist: Protection for you when the other driver is at fault but has little or no insurance. UM/UIM rules vary by state, so ask how it works before you waive it.
- Medical payments (or PIP): Availability and stacking depend on state rules, but its job is the same: help with medical bills for you and passengers after an accident.
- Rental car reimbursement: Keeps you driving while repairs from a covered claim are underway by helping pay for a rental.
- Roadside help: Towing, battery, and lockout help, sometimes cheaper on the auto policy than a separate club membership.
- Higher liability limits & umbrella coordination: If you carry an umbrella, check auto limits meet the carrier’s underlying requirements.
Financed or leased vehicles in Hurst almost always must carry collision and comprehensive. Removing collision is an option we can price on an older, paid-off car once the out-of-pocket risk is clear to you. Hail and glass deductibles deserve a second look in storm-prone ZIP codes.
Discounts Hurst drivers should ask about
- Multi-policy credit — auto paired with home or renters.
- Multi-car credit — several vehicles insured with the same company.
- Claims-free / safe driver — clean histories often earn better rates.
- Good student and driver training — worth asking about when teens are on the policy.
- Telematics / usage-based — optional tracking that rewards careful habits.
- Paperless, autopay, and paid-in-full — small discounts that stack together.
- Safety and anti-theft features — varies by vehicle and carrier.
Discounts are not a substitute for shopping. The same advertised discounts do not stop two carriers from landing fifty dollars apart on the same Hurst driver.
Choosing deductibles and limits with local weather in mind
A Hurst comprehensive deductible deserves real thought: hail, high winds, and sudden severe thunderstorms appear in regional loss data. No garage? Consider a lower glass deductible. For a paid-off vehicle, a higher comprehensive deductible may make sense if you have reserves.
The state minimum is not the target: liability limits should match your assets and risk tolerance. Minimum limits can be exhausted quickly after a serious at-fault crash on a busy road near Hurst. We talk through scenarios with you so you understand the numbers you buy.
Several cars or mixed driving records at home
In a multi-car Hurst household, driver assignment deserves thought. The most expensive driver on the most expensive car is a common self-inflicted premium spike. We model assignments across carriers because not every company rates household drivers identically.
If someone in the home has a recent ticket or minor accident, do not hide it — underwriting will find it — but do shop markets that are more forgiving for that profile. One company’s rulebook is what an independent agency gets you out of.
Freedom Insurance Group for Hurst drivers
Not every carrier writes every niche, so we check which ones are available for your situation. Clear explanations of the tradeoffs, shopping across the markets we can access, and limits matched to how you drive in Hurst and the wider Tarrant County area: that is our job.
Call (800) 253-1482 or begin a free auto quote online. We can compare bundle options with no pressure if you also need homeowners coverage; start on the home quote form.
Drivers and vehicles, the garaging ZIP, the liability limits you want, and recent claims make up the conversation. That discovery, not the averages here, are what produce a shortlist of bindable options for your household.
Commutes, cars, and storms in Hurst
The NOAA Storm Events Database records 63 hail reports within about 5 miles of Hurst from 2016 through 2025. The largest stones measured 2.75 inches near Bedford in May 2024. Stones that large can break windows and cause major body damage, a loss handled under comprehensive coverage. There were also 5 flash-flood reports nearby, the latest in August 2022; only comprehensive coverage pays for a flood-damaged vehicle.
A typical one-way trip to work from Hurst takes about 25 minutes, based on the Census Bureau’s 2020–2024 American Community Survey. By commute mode, 78% drive alone, 6.0% carpool, and 14% work from home. Because so many work from home, a stale commute on the policy is a common overcharge.
Of the roughly 15,763 occupied households in Hurst, 18% have three or more vehicles and 40% have exactly two. So multi-car credits and driver-to-vehicle assignment are relevant for most households here.
Census estimates (2020–2024) put about 39,861 people in Hurst, on roughly 10.0 square miles of land, which works out to about 4,001 per square mile. Denser streets mean more intersections and parked cars, one reason collision rates differ by ZIP. For big-city errands, the nearest Texas city over 100,000 residents is Arlington, roughly 10 miles south. Regular trips there add miles that belong in your annual estimate.
Census counts put Hurst at 36,273 residents in 2000 and 37,337 in 2010, and the Census Bureau’s July 2024 estimate is 39,500. The population has stayed fairly steady since 2000. The NOAA Storm Prediction Center database shows 36 tornadoes that began within 10 miles of Hurst from 1950 through 2015; the most powerful, rated F3, touched down on March 28, 2000.
Shopping around the area? We also cover Bedford (3 mi), North Richland Hills (3 mi), and Richland Hills (3 mi).
ZIP codes in and near Hurst that we insure
76053 · 76022 · 76054 · 76180
More Texas coverage options
Auto insurance quotes in Hurst, TX
Freedom Insurance Group compares 25+ carriers for Hurst residents. Call (800) 253-1482 or begin a free auto quote online.
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