Alvarado, TX Car Insurance

Drivers in Alvarado pay around $59 a month for their car insurance. Learn more in our handy guide below.
Are rates in Alvarado higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What can Alvarado residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Alvarado?

Area Average Monthly Car Insurance Premium
Alvarado$59
TX$64
United States$80

The cost of coverage in Alvarado is about $5 a month cheaper than it is for the rest of Texas.

When stacked up against the national average, the average monthly policy payment for Alvarado is more affordable. It's around $21 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these are the average car insurance rates for Alvarado, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Alvarado residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$102
25-34$57
35-44$53
45-54$43
55-64$42
65+$48

More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may creep back up a bit in Alvarado.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$60

On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay a little bit less than female drivers on their monthly auto coverage, the difference in Alvarado is only about $3 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$86
Multiple Accidents$112
1 Ticket$53
Multiple Tickets$81

Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Alvarado, having a single accident on your record will usually get you rates around $86 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $53.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$61
4-5 Years$47
6-7 Years$59
8-10 Years$66
11-14 Years$61
15 Years or Older$55

According to the first table above, SUVs are typically the cheapest vehicles to insure in Alvarado, with drivers paying around $50 per month for insurance coverage.

SUV owners will see rates of about $50, while truck and van owners by and large pay around $63 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Alvarado are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$50
Divorced$49
Widowed$45

Generally, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

In Alvarado, the difference in rates based on relationship status can be as much as $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$56
Live with parents$107

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Alvarado, expect to pay around $5 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot 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 before picking an insurance policy.

In Alvarado, auto insurance rates had been increasing from 2016-2018 -- where they reached a high of $74-- before leveling out in 2019. Rates went up once again in 2020, and have continued rising through 2021, where they finished at $67 a month.

How does Alvarado compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Off-street parking availability
  • Local regulations
  • Crime levels
  • Amount of drivers in the region
  • Number of car accidents

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Alvarado?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Alvarado.

Compare the cheapest quotes from dozens of insurance companies

Alvarado Insurance FAQs

What factors affect car insurance quotes in Alvarado?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, and driving record.

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

Parking situations, crime rates, 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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Alvarado or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes