Tomball Auto Insurance Rates, Quotes, Agents & Reviews in TX

Tomball, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Tomball, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Ways to Lower the Cost of Car Insurance in Tomball, TX

The average cost of car insurance in Tomball, TX is $2,024. This is slightly more expensive than neighboring places like Magnolia, Northwest Harris, and Pinehurst but less expensive than locations like Woodlands and  Stagecoach. Car owners in Tomball, TX can save more on car insurance by understanding various factors that affect the cost of insurance. 

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Multi-vehicle Insurance: 

Drivers who own multiple cars in Tomball, TX, can make use of a multi-vehicle insurance policy and save more by insuring their vehicles with the same auto insurance company. Insurers offer various discounts on multi-car insurance policies. Bundling is another way of increasing your savings. 

The cost of insuring two cars under a multi-car insurance policy in Tomball, TX, is $3,562 which can help you save $486. Moreover, insuring three cars under a multi-car insurance policy costs $5,343 which will give a total savings of $729. The savings on multi-car insurance in Tomball also depends on the make and model of the car.

Defensive Driving Discount: 

According to the Texas Department of Insurance, auto insurance companies may give a discount on car insurance to drivers who complete the Defensive Driving course. This training course is designed for improving the safety and driving skills of an individual. Different insurance companies have different parameters for deciding the qualifier of defensive driving discount but stats suggest that companies reserve it primarily for young drivers or people above the age of 50. 

Most insurance providers happily reward safe drivers with discounted rates. Below are the details of some auto insurance companies providing a Defensive Driving discount in Texas.

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Credit Scores: 
Having an “excellent” or “good” credit score will also help car owners save on auto insurance in Tomball, TX. Several auto insurance companies provide discounts to the car owner that have a higher positive credit score.  Car insurance companies use the Credit Score of car drivers to determine suitable car insurance rates.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Factors that can influence the cost of car insurance in Tomball, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Tomball, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Tomball, TX with that of other cities in and around Tomball.

Tomball Magnolia Northwest Harris The Woodlands Pinehurst Stagecoach
Average Insurance Rates $2,024 $1,092 $1,986 $2,142 $1,945 $2,138

Tomball, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Tomball, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Tomball $2,276 $1,923
Stagecoach $2,202 $1,860
Northwest Harris $1,037 $876
Magnolia $1,429 $1,207
Pinehurst $1,102 $931
The Woodlands $1,910 $1,613
Oak Ridge North $2,057 $1,737
Shenandoah $1,494 $1,262

Tomball, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Tomball, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,568
20 Years $2,601
30 Years $2,003
40 Years $1,927
50 Years $1,785
60 Years $1,810
70 Years $2,106

Tomball, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Tomball, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,562 $486
3 Vehicles $5,343 $729
4 Vehicles $7,124 $972

Savings on 2 Vehicles bundle:$486

Savings on 3 Vehicles bundle:$729

Savings on 4 Vehicles bundle:$972


Tomball, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Tomball, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Tomball $2,024 $3,151
Stagecoach $2,138 $3,328
Northwest Harris $1,986 $3,092
Magnolia $1,092 $1,700
Pinehurst $1,945 $3,028
The Woodlands $2,142 $3,335
Oak Ridge North $1,997 $3,109
Shenandoah $2,073 $3,227

Tomball, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,737
Excellent (740-799) $1,982
Good (670-739) $2,109
Average (580-669) $2,752
Poor (300-579) $3,301

Tomball, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Ted W Allen & Associates None 7004 Grant , Cypress, 77429 None
Karen Wylie Farmers 12215 Heatherwick Dr, Cypress, 77429 (281) 379-4820
Lee Mcleod Farmers 16000 Stuebner Airline Rd Ste 350, Spring, 77379 (281) 320-2977
Robin Griffith State Farm 5511 Louetta Rd Ste A, Spring, 77379-7874 281-376-5511
Mario Fuentes Liberty Mutual 110 Vintage Park Blvd Suite 250, Houston, 77070 1-281-320-1181
Jimmy Davenport Farmers 8220 Louetta Rd Ste 164, Spring, 77379 (281) 251-4949
Eric Burg Farmers 16724 Telge Rd, Cypress, 77429 (281) 351-6944
Randie Joe Williams Jr Travelers 16422 STUEBNER AIRLINE RD STE 118, SPRING, 77379 832-648-3600
Cy Fair Insurance Associates Llc Travelers 12841 JONES RD STE 206, HOUSTON, 77070 832-912-4442
Tyler Mccabe Liberty Mutual 110 Vintage Park Blvd Suite 250, Houston, 77070 1-281-320-1181
Glenn Hastings Lutcf Farmers 5730 Root Rd, Spring, 77389 (281) 444-2886

Tomball, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$89 $2,113
Driver's Failure In Showing Documents +$196 $2,220
Driving With An Expired Registration +$208 $2,232
Driving At A Considerably Slow Pace +$439 $2,463
Using A Cellphone While Driving +$463 $2,487
Running A Red Light +$472 $2,496
Speeding +$496 $2,520
Driving A Vehicle Without The Required Permission +$629 $2,653
Driving With An Expired/Suspended License +$1,364 $3,388

Tomball, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,943
Active Disabling Device $1,943
Tracking Device $1,903
Passive Disabling Device $1,882