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How much is car insurance in Alvin?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Alvin will typically run you about $6 a month more than in the rest of Texas.
However, car insurance rates in Alvin are more affordable than the national average. The average monthly payment in Alvin is about $9 less than the rate for the rest of the U.S.
These rates may be the average amount residents of Alvin pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Alvin and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Alvin Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance bills, that experience pays 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.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may climb back up in Alvin.
Alvin Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Alvin, the difference is around $12 a month. As you can see in the chart above, car insurance for women in the area typically costs around $66 each month, while men pay $78 on average.
Alvin Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. The rate for drivers in Alvin with a single accident on their record is about $102 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $95 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Alvin Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$66|
According to the first table above, cars are typically the cheapest vehicles to insure in Alvin, with drivers paying around $69 per month for auto insurance.
Truck and van drivers will see rates of about $74, while the rates for SUV owners average out to about $71 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Alvin, vehicles four-to-five years old are the most expensive to insure.
Alvin Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Alvin, the difference in rates based on relationship status can be as much as $19 a month.
Alvin Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Alvin, expect to pay around $16 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
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 cost of auto insurance coverage in Alvin decreased from 2017-2020, before leveling out in 2021. Insurance rates finished down in 2022, at $63 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 an insurance policy, car insurance companies will evaluate many factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Area laws
- Number of car accidents
- Amount of off-street parking
- Total amount of drivers in the community
- Crime rates
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
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.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Alvin.
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Alvin Auto Insurance FAQs
What factors affect car insurance quotes in Alvin?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Alvin different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Alvin?
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 Alvin?
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Alvin or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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