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How much is car insurance in Argyle?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $5 a month cheaper to insure your vehicle in Argyle than it is in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Argyle is more affordable. It's about $21 cheaper to insure your vehicle in Argyle compared to the average rate for the United States as a whole.
Bear in mind that while these rates represent the expected monthly payments for Argyle drivers, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've broken down the average rates for Argyle to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see 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
Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay slightly less than female drivers on their monthly premiums, the difference in Argyle is only about $1 per month.
Average 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 will pay lower rates than those with accidents or violations. In Argyle, drivers with one accident on their record will experience rates around $79 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $101.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$58|
In Argyle, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $45 per month for auto insurance coverage.
Car owners will see rates of about $65, while truck and van owners typically pay around $56 a month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. 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)||$64|
Generally, married policyholders will pay slightly less to insure their vehicle. 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 $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Argyle, homeowners can expect to pay around $15 a month less than those who rent. But if you live with your parents, you can expect to pay a lot 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 Argyle, TX
Recent trends in car insurance for Argyle drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Auto insurance rates in Argyle declined from 2016-2019, when they hit a low of $44. Car insurance rates started to rise in 2020, and this pattern has continued through 2021, when rates have most recently reached $53.
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 a monthly rate, car insurance companies will consider several factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Number of drivers
- Road Safety (frequency of car accidents)
- Off-street parking access
- Regional regulations
- Prevalence of crime
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Argyle?
Arming 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.
But wait! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Argyle.
Argyle Insurance FAQs
What factors affect car insurance quotes in Argyle?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Argyle different from other neighboring cities?
Things like crime rates, parking situations, 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?
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 Argyle?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Argyle or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.