Alvarado, TX Car Insurance

Drivers in Alvarado pay around $60 a month for their car insurance. To learn more about policy rates and coverage in the Alvarado area, continue reading our guide below.
Compared to their surrounding area, how do rates in Alvarado stack up? What about against the rest of Texas? What rates should residents of Alvarado expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Alvarado?

Area Average Monthly Car Insurance Premium
Alvarado$60
TX$65
United States$81

Based on the chart above, you can see that it's about $5 a month cheaper to insure your vehicle in Alvarado than it is in the rest of Texas.

Drivers relocating from out of state may enjoy some cost savings in Alvarado. The average monthly payment in Alvarado is about $21 cheaper than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Alvarado, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've analyzed the average rate for Alvarado and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$101
25-34$57
35-44$56
45-54$48
55-64$42
65+$48

Generally speaking, the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $53 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Alvarado.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$61

On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Alvarado, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$86
Multiple Accidents$112
1 Ticket$73
Multiple Tickets$90

Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Alvarado, a driving record with a single accident will usually get you a rate around $86 a month. In addition, drivers with a single ticket on their record can expect to pay around $73 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$74
4-5 Years$46
6-7 Years$59
8-10 Years$70
11-14 Years$61
15 Years or Older$56

In terms of affordable coverage, the cheapest vehicles to insure in Alvarado are typically SUVs, at $52 per month.

Car owners will see rates of about $63, while truck and van owners usually pay around $60 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Alvarado are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$50
Divorced$49
Widowed$45

Overall, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Alvarado follows that pattern, with the difference totaling to around $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$59
Live with parents$105

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than homeowners in Alvarado. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Alvarado, TX

Recent trends in car insurance for Alvarado drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

The cost of car insurance in Alvarado had been increasing from 2017-2018, where it reached a high of $74, before leveling out in 2019. Rates rose again in 2020, and finished down at $64 in 2022.

How does Alvarado compare to neighboring areas?

Why are car insurance rates in Alvarado different from other areas?

Car insurance companies will take into account a lot of factors when deciding how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Area regulations
  • Availability of off-street parking
  • Rate of crime
  • Amount of drivers
  • Frequency of car accidents

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Alvarado?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Alvarado in no time.

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Alvarado Insurance FAQs

What factors affect car insurance quotes in Alvarado?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Alvarado different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Alvarado?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Alvarado?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Alvarado or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes