Harker Heights Insurance

Graph details auto insurance rates in Harker Heights Texas

Auto Insurance Tips and Helpful Information In Harker Heights, Texas

Discounts Available In Harker Heights

There are several auto insurance discounts available for customers shopping for insurance in Harker Heights. The heaviest weighted discount is continuous insurance – meaning at least 6 months of continuous coverage and no longer than a 31 day lapse. This shows insurance companies you have carried insurance and are in good standing. Some smaller discounts include, married discount, multi policy, multi vehicle, and education discount.

Impact on RatesDiscounts Available
MildMarried
MildPaperless Discount
MildMulti Policy
MildMulti Vehicle
HighAdvanced Quote
HighNo Accidents or Violations
MildEducation Discount
Very HighContinuous Insurance
MildHomeowners

Insurance Companies We Represent In Harker Heights

Insurance Companies in Harker Heights, Texas that we represent
USLI
Mendota
Dairyland
Bristol West
Foremost Star
Safeway
Travelers
Orion 181
Assurance America
Victory
The General
Best Choice
Gainsco
ASI
Progressive
Suncoast
In Harker Heights, Texas we work with 16 different insurance companies to provide our customers with a competitive price. We are able to shop all of these insurance providers in order to guarantee the cheapest price available. Some well known companies include Progressive, Travelers, Dairyland and Foremost Star (apart of the Farmers group). Some smaller companies include Victory, Mendota and Assurance America.

Insurance Rating Factors In Harker Heights

Rating factors are used to help insurance companies determine the insurance premium based upon the risk. Driving Record is a heavily weighted factor these companies use. They look at the history of driving to determine wither or not this potential customer will cost them a lot in claims in the future. Typically they want to insure a customer with a clean record, offering them lower premiums.

FactorRate Impact
Vehicle Make and ModelMedium
Driving recordHigh
Insurance HistoryMedium
How many drivers per vehicles listedmedium
ProfessionLow
EducationLow
lien holderNone
vehicle performance (symbol)Medium
Type of Vehicle CoverageMedium
Credit historyHigh

Weather And Driving Conditions in Harker Heights

Harker Heights, Texas
Summer high: The July high is around 96 degrees
Winter Low: The January low is 27 degrees
Rain: 34 Inches of rain a year
Snow: 0 inches of snow per year
Driving conditions can be diverse in Harker Heights, Tx. Summer months tend to be high in temperature, while winter months can be low with freezing temperatures causing some ice on the road. It is important to be aware of the driving conditions and make sure you are prepared. This includes preparing for a break down, and also leaving yourself enough time to get to your destination safely.

Liability And Full Coverage In Harker Heights

Liability insurance in Harker Heights in comparison to the State of Texas is generally more expensive. The average rate in Harker is $637 whereas the state average is $510. This could be because of the amount of accidents/insurance claims in the area causing it to be more expensive in that particular zip code. You’ll also notice, on average full coverage is higher than the state average as well.

Liability Insurance rates in Harker HeightsLiability State Average
$637.20$510.15
Full Coverage Insurance in Harker HeightsFull Coverage TX average
$1,167.35$934.59

Other Types Of Insurance We Carry In Harker Heights

Type of CoverageOur Top Companies
Car InsuranceProgressive, Dairyland,
RV InsuranceProgressive, Travelers
Commercial Auto InsuranceProgressive
Motorcycle InsuranceDairyland, Progressive
Renters InsuranceASI, Foremost
Boat InsuranceTravelers, Progressive
Business InsuranceBTIS, Hiscox
We offer several different types of insurance aside from Auto Insurance. Some include, commercial insurance, business insurance, renters, home, and motorcycle. We have worked hard to become licensed to offer all of these products so we can better serve our customers. Typically, if you bundle multiple policies you will receive a discount from the insurance provider which helps save you money.

Nearby Cities And Neighborhoods In Harker Heights

We are also proud to serve in neighboring cities, such as Kileen, Belton, Temple and Georgetown Texas. If you know someone in these areas, please refer them to us for a free quote. As some may know, insurance rates are also based upon neighboring zip codes, and the amount of accident/claims in that area as well with your zip code.

Neighborhoods in Harker Heights, TexasCities Near Harker HeightsZip Codes in Harker Heights
BriarwoodKileen, TX76513
Highland OaksBelton, TX76548
Sun MeadowsTemple, TX
Sutton PlaceGeorgetown, TX

Sample Insurance Rates In Harker Heights

Sample Rates in Harker Heights, Texas
Sample Quote/ policy location: Cleburne
Agent :Lauren
Current Company: Progressive
Previous Company: American Family
Who: resident Age: 61 Vehicle: Daewoo Lanos
Type of coverage: broad form , uninsured motorist
Notes: snapshot, now
Rate: $283
Sample Quote/ policy location: Cleburne
Agent :Katie
Current Company: Bristol West
Previous Company: Mendota
Who: Age: 60 Vehicle: Chrysler TC
Type of coverage: liability only , uninsured motorist
Notes: by phone, print
Rate: $180
Sample Quote/ policy location: Cleburne
Agent :Jola
Current Company: Mendota
Previous Company: Viking
Who: Driver Age: 61 Vehicle: Subaru Outback
Type of coverage: full coverage , state min
Notes: multiple lines, print
Rate: $261
Sample Quote/ policy location: Cleburne
Agent :Amy
Current Company: The General
Previous Company: Liberty Mutual
Who: client Age: 63 Vehicle: Toyota Solara
Type of coverage: non owners , sr22
Notes: quotes, multiple lines
Rate: $248
Sample Quote/ policy location: Cleburne
Agent :Crystal
Current Company: Dairyland
Previous Company:
Who: Driver Age: 44 Vehicle: Toyota Tacoma Regular Cab
Type of coverage: full coverage , state min
Notes: Insurance Card, estimate
Rate: $336
Sample Quote/ policy location: Cleburne
Agent :Jola
Current Company: Viking
Previous Company: Diaryland
Who: male Age: 66 Vehicle: Ford Explorer
Type of coverage: broad form , med pay
Notes: high risk, Driver
Rate: $196
We have provided sample car insurance rates from current customers in Harker Heights, Texas. One particular customer switched to us from American Family, they received a continuous insurance discount. The customer was 61 years old and had a clean driving history. We were able to offer a low rate considering the city average because the risk for this customer was considered favorable to the insurance company.

SR22 Insurance Rates In Harker Heights

SR-22 Insurance is simply an attachment added to an insurance policy letting the State know that insurance is being carried. Usually, the fee is $25 for the full insurance term, but does depend upon the company. When the SR-22 is added on, the state is notified, and if the policy ever cancels, they are also notified of the cancellation.

CompanyAverage (SR22 Fee)
Assurance America$25
Bristol West$35
DairylandFree
Gains Co$25
Mendota$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 Not available

Cheapest Full Coverage Insurance Rates in Harker Heights

RankCompanyAverage price
1Travelers$135.00
2Mendota$138.00
3Progressive$142.00
4The General$144.00
5Bristol West$159.00
6Liberty Mutual$192.00
7Dairyland (Viking)$209.00
The cheapest full coverage rate was provided through Travelers Insurance, at $135 a month. The price does depend on the risk (the customer) and the rating factors. Rating factors include – driving history, type of vehicle, type or coverages, etc. Dairyland Insurance came in the most expensive at $209/month. The rates do depend upon the states as well – some companies come in cheaper in different states.
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Last Updated on August 30, 2021 by Katie Sopko

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