Table of contents
How much is car insurance in Del Valle?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Del Valle are about the same as the rest of Texas.
On the flip side, car insurance rates in Del Valle are often favorable when viewed against the rest of the country. It's around $15 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Del Valle, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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.
Don't sweat it however, we've broken down average rates for Del Valle residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $65 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Del Valle drivers may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Del Valle, although men do pay a bit less on their monthly auto insurance coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Del Valle, a driving record with one accident will usually get you a rate around $69 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $84.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$105|
|15 Years or Older||$63|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Del Valle, with drivers paying around $63 per month for insurance.
Car owners will see a monthly bill of about $69, while SUV owners by and large pay around $64 per month.
In addition to vehicle type, 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 may start to see your rates drop back down a bit. In Del Valle, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
In Del Valle, the difference in rates based on relationship status can be as much as $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $14 a month more than drivers who own property in Del Valle. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Del Valle, TX
Recent trends in car insurance for Del Valle drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of car insurance in Del Valle had been decreasing from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $52 a month
How does Del Valle compare to neighboring areas?
Why are car insurance rates in Del Valle different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Off-street parking access
- Crime rates
- Local laws
- Number of drivers
- Road Safety (total number of local car accidents)
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 Del Valle?
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.
Fortunately, Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Del Valle in no time.
Del Valle Insurance FAQs
What factors affect car insurance quotes in Del Valle?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Del Valle different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Del Valle?
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 Del Valle?
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 Del Valle 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.