Elmendorf, TX Car Insurance

The average monthly cost for car insurance in Elmendorf is about $65. To find out more check out our guide below.
How do rates in Elmendorf measure up compared to neighboring areas, including Texas as a whole? What should residents of Elmendorf expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Elmendorf?

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

Looking at the chart above, you can see that the average monthly price is about the same in Elmendorf as it is in the rest of Texas.

Car insurance rates in Elmendorf are more affordable than the national average. It's around $16 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these numbers are the average rates for auto insurance in Elmendorf, that doesn't mean it'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. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've broken down average rates for Elmendorf to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$119
25-34$73
35-44$43
45-54$44
55-64$49
65+$62

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may start to rise again in Elmendorf.

Average Car Insurance Rates by Gender

Gender Average
Male$69
Female$60

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Elmendorf, the difference is around $9 a month. As illustrated in the table above, female drivers in the area pay about $60 on average, while male drivers pay around $69 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$96
Multiple Accidents$71
1 Ticket$69
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Elmendorf with a single accident on their record will usually see rates around $96 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $69.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$85
2-3 Years$54
4-5 Years$52
6-7 Years$88
8-10 Years$48
11-14 Years$67
15 Years or Older$55

The cheapest vehicles to insure in Elmendorf are typically SUVs, with each type typically costing about $59 per month.

SUV owners will see rates of about $59, while truck and van owners by and large pay around $68 per 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. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Elmendorf are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$65
Divorced$55
Widowed$49

On average, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Elmendorf are on par with each other.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$65
Rent$63
Live with parents$113

Another factor that comes into play is your housing situation. Renters can expect to pay around $2 a month less than homeowners in Elmendorf. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Elmendorf, TX

Recent trends in car insurance for Elmendorf drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Elmendorf, the rates for car insurance dropped from 2017-2019, when they reached a low of $52. This leveled out in 2020, when policy premiums began to increase. They hit a high of $77 in 2021, and finished at $64 in 2022.

How does Elmendorf compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a number of factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Amount of drivers in the region
  • Access to off-street parking
  • Area crime rates
  • Number of car accidents
  • Regional laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Elmendorf?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Don't worry, Compare.com has you covered. 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 plans in Elmendorf in no time.

Compare the cheapest quotes from dozens of insurance companies

Elmendorf Insurance FAQs

What factors affect car insurance quotes in Elmendorf?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Elmendorf?

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 Elmendorf?

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 Elmendorf 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.

Find your best rate in just a few minutes