Lowest Car Insurance Rates in North Richland Hills, TX

The Average Cost of Car Insurance in North Richland Hills, TX

You’ll find that the cost of car insurance in North Richland Hills, TX, is determined by a variety of factors, such as your age, the amount of coverage you need, where you drive, and more. Here are the average costs residents can expect to pay for premiums each month:

Average Monthly Auto Insurance by Age

Age Range	Av. Premium
Under 18	$214
18-24	$101
25-34	$63
35-44	$59
45-54	$53
55-64	$49
65+	$52

Average Monthly Auto Insurance by Vehicle

Vehicle Age	Av. Monthly Premium
Less than 1 Year	$65
2-3 Years	$58
4-5 Years	$64
6-7 Years	$68
8-10 Years	$69
11-14 Years	$62
15 Years or older	$57

Average Monthly Auto Insurance by Carrier

Rank	Company	Av. Monthly Rate
1	Progressive	$101
2	Allstate	$107
3	Kemper	$109
4	Travelers	$114
5	Safeco	$119
6	Bristol West	$125
7	Infinity	$142
8	Gainsco	$163
9	Others	$180+

Average Monthly Auto Insurance by Housing Status

Housing Status	Av. Monthly Premium
Own	$56
Rent	$67
Live with parents	$96

Average Monthly Auto Insurance by Relationship Status

Relationship	Av. Monthly Premium
Single (never married)	$65
Married	$52
Divorced	$56
Widowed	$51

Average Monthly Auto Insurance by Driving Record

Infractions	Av. Monthly Premium
1 accident	$93
Multiple accidents	$99
1 Ticket	$76
Multiple tickets	$131

See How Much Home Insurance Costs in North Richland Hills, Texas HERE

Is Auto Insurance in North Richland Hills, TX, Increasing?

Yes, all auto insurance in the area goes through ebbs and flows, but the overall trend for car insurance in North Richland Hills drivers is that costs are rising. This is because of many local, regional, and statewide trends along with personal factors. Here are the top risk factors that make cheap car insurance harder to come by in the area:

Growing Populations

North Richland Hills, Texas is a highly desirable place to live and continues to increase in population. Furthermore, the overall Dallas-Fort Worth metro area is increasing which is a trend the Lone Star State is used to. Urban areas grow at a rate of 84% compared to the national average of 80%

More people mean more drivers and a higher possibility to face crime. Texas is home ot around 65,000 grand theft auto incidents each year. But besides having your vehicle stolen, there is also damage and theft from break-ins and vandalism that are threats. All of this on top of the increased chance of an accident, thus, raising the rates of car insurance in North Richland Hills, TX, harder to obtain.

Texas Speed Limits Are Faster

Texans have places to go and not a lot of time to get there. Which is part of the reason we’re home to both the fastest speed limit in the nation (85 MPH) and the fastest average in the U.S. sitting at 75 MPH. But these increased speeds also mean the likelihood of a serious or deadly crash is increased. This is an increased risk that means higher premiums for drivers.

Texas Has Plenty of Uninsured Motorists

In Texas, 15% of motorists do not have liability insurance. Texas auto insurance premiums are higher because uninsured motorists are more likely to cause accidents, which adds risk to your car insurance carrier.

North Richland Hills Commutes Are Actually Better Than Average

While rush hour might not always feel this way, drivers in North Richland Hills, TX, have a commute that is actually about a minute faster than the national average of 28 minutes. The longer you are on the road, the more likely you’ll be involved in an automobile accident, which raises your rates. This could be one of the factors actually helping drivers in the area save a bit on premiums.

Natural Disasters in North Richland Hills, TX

Natural disasters elevate the cost of auto insurance in North Richland Hills, TX. Besides being in the northern portion of Flash Flood Alley, there are plenty of other weather threats such as hail, severe thunderstorms, and tornadoes which pose threat. The disasters suffered throughout the rest of the state, however, also raise rates for drivers, including the risk of tropical storms and hurricanes near the Gulf Coast.

Personal Variables

You will also find that your age, location, driving record, and type of vehicle all affect the amount you pay for auto insurance. Insurance premiums will increase based on risk factors such as these.

These factors, as well as how they are assessed, determine auto insurance rates in North Richland Hills, TX. But every company is going to assess risk differently, thus creating different prices for the same coverage.

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The Best Discounts for Auto Insurance in N Richland Hills, TX

Getting a discount can reduce your car insurance costs. Auto insurance premiums can be reduced in a number of ways for drivers. The list contains something for everyone, despite the fact that not all of them will apply to everyone. Several auto insurance companies in North Richland Hills, TX, offer discounts to drivers with various needs. Discover the best discounts for your coverage and save money on car insurance:

Bundling Discount

When you bundle your auto and home insurance, you save even more. Multi-vehicle households may also be eligible for discounts. Bundling is one of the best discounts as many qualify and the savings are great. Progressive Car Insurance provides drivers in North Richland Hills, Texas, as much as 12% in savings for bundled policies and 5% on multi-policy discounts.

Potential Savings: 1% – 17%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Billing Discount

It is possible for drivers to lower their bills by signing up for online billing and automatic billing. Due to the fact that monthly premiums are more costly, it is also more economical to pay your premium upfront. You can get these discounts if you insure your car with Allstate in North Richland Hills.

Potential Savings: 2% – 25%
Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.

New Customer Discount

Switching auto insurance carriers can save you money in multiple ways, including discounts specific to your move. Your savings are greater the earlier you switch your policy. Therefore, the wisest course of action is therefore to compare auto insurance quotes earlier rather than later. You can save as much as 10% with Travelers Insurance, and other carriers may even offer greater savings depending on the driver.

Potential Savings: 5% – 15%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Discounts Based on Occupation

Working in a certain profession reduces your risk of being in an auto accident. Your car insurance provider may offer you discounts because of your job, resulting in lower premiums. Texans with qualifying careers know that Progressive and Safeco are popular options for these savings.

Potential Savings: 10% – 20%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Continuously Insured Discount

Maintaining insurance coverage minimizes the chances of getting into an accident without it by avoiding lapses in coverage. Additionally, you may qualify for discounts if you keep your insurance policy without gaps for at least six months. Such savings can be seen with a Progressive quote as they are known for such discounts on auto insurance.

Potential Savings: 5% – 25%
Major insurers offering this discount: Progressive and Travelers.

Good Student Discount

All auto insurance takes age into consideration and because younger drivers pose the highest level of risk, they can expect higher premiums. Fortunately, maintaining good grades (“B” or higher) can provide students with lower rates. Progressive Car Insurance is known to offer discounts as high as 15%, although some carriers may even offer higher savings.

Potential Savings: 5% – 20%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Resident Student Discount

The savings on auto insurance for students can be up to 35% if they attend school more than 100 miles away from their insured vehicle. Travelers Insurance is a popular option along with Progressive among others for drivers in North Richland Hills, TX.

Potential Savings: 7% – 35%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Driver Discount

Driving safely is something all car insurance companies encourage as safer roads mean fewer accidents and fewer risks. If you are a driver and don’t have claims or moving violations within certain periods of time, you may be able to receive a discount on your premiums. There are even companies, such as Safeco, which provide rate decreases even if you do have a blemish, so long as it’s within 5 years, or whatever the carrier sets as its timeframe for clients.

Potential Savings: 10% – 30%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Usage-Based Discount

With the help of technology such as mobile apps and smartphones, automobile insurers can analyze and track the driving habits of their customers. If you drive less and take safe driving precautions, you can reduce the cost of your car insurance. Here are some of the most common programs available to drivers in North Richland Hills, Texas:

The telematics program from Allstate, “Drivewise”.
Drivers save up to 30% with Safeco’s “Righttrack” program.
“Snapshot” by Progressive ($145 in savings on average).
“Intellidrive” by Travelers Insurance.

Potential Savings: Up to 30%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Mature Driver Discount

In North Richland Hills, TX, older drivers can receive discounts on their car insurance rates. You may, however, need to complete a senior driver course to earn these savings from your auto insurance provider.

Potential Savings: 1% – 15%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

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North Richland Hills Car Insurance Quotes

If you’re looking to compare car insurance, we can help. Car insurance near you doesn’t have to cost an arm and a leg if you shop among many different carriers and apply the right discounts. Here at Freedom Insurance Group, we help drivers build customized coverage for less.

Offering a wide range of insurance products such as gap insurance and comprehensive insurance we make shopping for car insurance online easy. Rather than simply providing the same coverage for everyone, we personalize our approach with each customer to deliver better savings and protection.

Our clients receive protection from top-rated carriers. If you’re looking for car insurance in North Richland Hills, TX, ask an agent about how you can stay protected for less.

Car-Insurance-Coverages-Round-Rock-TX

The best car insurance policy is going to protect you from risks for the lowest possible price. Drivers in North Richland Hills, Texas can enjoy custom protection while saving on premiums by comparing their auto insurance with top-rated brands.

Serving Vehicle Insurance in North Richland Hills Zip Codes

76053
76117
76148
76180
76182

Not seeing your zip code listed? Don’t worry, we help drivers throughout North Richland Hills and, anyone else throughout the Lone Star State, find affordable auto insurance coverage.

How to Find Affordable Car Insurance in North Richland Hills, TX

You can avoid overpaying for auto insurance in North Richland Hills with Freedom Insurance Group. We work with more than 25 top-rated car insurance carriers which provide a wide variety of coverage options you can trust.

Because we work for you and not a singular brand, our agents are dedicated to putting your needs first. We help you save and find protection that works best. Get free online car insurance quotes or contact one of our agents today to learn more about how we can help you stay protected for less.

Of course, affordable car insurance in North Richland Hills, TX isn’t the only thing we offer. Check out our insurance offerings ready to protect your home, boat, and more with affordable coverage you can trust: