Table of contents
How much is car insurance in Alvin?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $7 a month cheaper than the rates drivers pay in Alvin.
Compared to the rest of the country, auto insurance in Alvin is more affordable. Auto insurance coverage in Alvin is about $9 cheaper than it is for the rest of the United States.
Although these are the average car insurance rates in Alvin, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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 your monthly premium.
But don't worry, we've broken down the average rate for Alvin residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Alvin.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This rings true in Alvin, where women pay around $11 less per month than men. As you can see in the table above, male drivers in the area typically pay $78 on average, while female drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Alvin, a driving record with one accident will usually get you a rate around $103 a month. Likewise, drivers with one ticket will be looking at a rate of around $103 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$67|
The cheapest vehicles to insure in Alvin are typically cars, with each type typically costing about $70 per month.
Truck and van drivers will see rates of about $77 to insure their car, while SUV owners by and large pay around $71 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. 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 Alvin are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$81|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in Alvin can be as much as $22 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Alvin, expect to pay around $17 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Alvin, TX
Recent trends in car insurance for Alvin drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Alvin decreased from 2017-2020, before steadying out in 2021. They finished down in 2022, at $79 a month
How does Alvin compare to neighboring areas?
Why are car insurance rates in Alvin different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Number of car accidents
- Local laws
- Number of drivers in the community
- Availability of off-street parking
- Local crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Alvin?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Alvin.
Alvin Insurance FAQs
What factors affect car insurance quotes in Alvin?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Alvin different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Alvin?
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 Alvin?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
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 Alvin 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.