Alvin, TX Car Insurance

On average, Alvin drivers pay a monthly average rate of around $71 for their car insurance. To learn more about car insurance rates in the Alvin area, read our guide below.
What rates can residents of Alvin expect to pay for their car insurance? Are rates in Alvin higher or lower than those in neighboring areas? How do they compare to the rest of Texas? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Alvin?

Area Average Monthly Car Insurance Premium
Alvin$71
TX$64
United States$80

You can see in the chart above that it's around $7 a month more expensive to insure your vehicle in Alvin than it is in the rest of Texas.

Drivers relocating from out of state may enjoy some cost savings in Alvin. On average, it's about $9 less to insure your vehicle in Alvin than it is in the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in Alvin, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Alvin to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$113
25-34$68
35-44$57
45-54$57
55-64$48
65+$49

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $64 more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may rise again in Alvin.

Average Car Insurance Rates by Gender

Gender Average
Male$75
Female$67

In general, women pay slightly less for car insurance than men. This rings true in Alvin, where women pay around $8 less per month than men. As you can see in the table above, female drivers in the area typically pay $67 on average, while female drivers typically pay $75 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$102
Multiple Accidents$90
1 Ticket$123
Multiple Tickets$177

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Alvin with a single accident on their record will usually see rates around $102 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $123.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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
2-3 Years$76
4-5 Years$84
6-7 Years$70
8-10 Years$74
11-14 Years$71
15 Years or Older$67

If you look at the first table above, the cheapest vehicles to insure in Alvin are by and large SUVs, at $67 per month.

Truck and van drivers will see rates of about $68 to insure their vehicle, while car owners usually pay around $73 a month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Alvin, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$80
Married$59
Divorced$58
Widowed$50

Generally speaking, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Alvin can be as much as $21 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$59
Rent$74
Live with parents$97

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 $15 a month more than those who own their own home in Alvin. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

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.

Auto insurance rates in Alvin rose from 2016-2017, when they reached a high of $78. This leveled out in 2018, when car insurance rates began to decrease. They hit a low of $63 in 2020, and finished up in 2021, at $67 per month.

How does Alvin compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • General road safety (how many accidents each locality has)
  • Access to off-street parking
  • Amount of drivers
  • Local laws
  • 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. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Alvin?

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.

Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Alvin.

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Alvin 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 vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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.

Find your best rate in just a few minutes