Argyle, TX Car Insurance

On average, Argyle drivers pay around $60 a month for their car insurance. To learn more about car insurance rates in the Argyle area, read our guide below.
How does Argyle stack up to the rest of the area, or even Texas as a whole? What rates should residents of Argyle 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 Argyle?

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

Auto insurance coverage in Argyle is about $5 cheaper than it is in the rest of Texas.

Likewise, when compared to the national average, the cost for auto insurance in Argyle is lower. On average, it's about $21 less to insure your vehicle in Argyle than it is in the rest of the United States.

Keep in mind that these are the average auto insurance rates for Argyle, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month 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 Argyle and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP Code 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$91
25-34$47
35-44$59
45-54Not Enough Data
55-64$45
65+$51

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may start to rise again in Argyle.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$62

In general, women pay slightly less for car insurance than men. While this isn't true in Argyle, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$77
Multiple Accidents$91
1 Ticket$85
Multiple Tickets$117

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Argyle, drivers with one accident on their record will experience rates around $77 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $85.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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$52
2-3 Years$41
4-5 Years$59
6-7 Years$73
8-10 Years$69
11-14 Years$53
15 Years or Older$57

The cheapest vehicles to insure in Argyle are usually SUVs, with each type typically costing about $45 per month.

Car owners can expect to pay an average of around $65 a month for their policy, while truck and van drivers are usually around $59 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Argyle, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$58
Divorced$50
Widowed$43

More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Argyle follows that pattern, with the difference totaling to around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$58
Live with parents$94

Your living accommodations is another factor that affects your monthly rate. In Argyle, homeowners can expect to pay around $11 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Argyle, TX

Recent trends in car insurance for Argyle drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Argyle, the rates for car insurance had been decreasing from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $43.

How does Argyle compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review several factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Road Safety (frequency of local car accidents)
  • Total number of drivers in the region
  • Regional regulations
  • Crime
  • Access to off-street parking

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Argyle?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Argyle.

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Argyle Insurance FAQs

What factors affect car insurance quotes in Argyle?

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 marital status, credit score, address, and driving record.

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

Things like parking situations, crime rates, and local laws, 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 Argyle?

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 Argyle?

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 Argyle 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