Best Cheap Auto Insurance in Alvarado, TX (2021)

The average Alvarado, TX auto insurance rates are $301 per month. The minimum auto insurance in Alvarado is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Alvarado, Texas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Alvarado, TX for senior drivers are $2,205 per year
  • The cheapest auto insurance company in Alvarado is USAA
  • The most expensive auto insurance company in Alvarado for teen drivers is Allstate

Alvarado, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Alvarado can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Alvarado, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Alvarado to other Texas cities, including Fort Worth auto insurance rates, El Paso auto insurance rates, and Laredo auto insurance rates to see how Alvarado, Texas auto insurance rates stack up.

Before you buy Alvarado, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Alvarado, Texas auto insurance quotes.

Minimum Auto Insurance in Alvarado, Texas

Alvarado, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Alvarado, Texas.

Minimum Required Auto Insurance Coverage in Alvarado, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Alvarado, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Alvarado, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Alvarado, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,578 $3,601 $3,531 $3,531 $9,396 $11,309 $4,401 $4,570
American Family $2,262 $2,509 $2,121 $2,418 $5,924 $7,769 $3,226 $3,677
GEICO $2,282 $2,468 $2,213 $2,510 $5,048 $5,263 $2,471 $2,471
Nationwide $2,231 $2,266 $1,974 $2,087 $6,356 $8,149 $2,625 $2,838
Progressive $2,236 $2,121 $1,993 $2,031 $9,316 $10,379 $2,640 $2,674
State Farm $1,953 $1,953 $1,745 $1,745 $4,777 $6,105 $2,131 $2,195
USAA $1,562 $1,573 $1,492 $1,483 $4,328 $4,719 $2,076 $2,229

Cheap Alvarado, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Alvarado, Texas is a challenge. Take a look at the annual teen auto insurance rates in Alvarado, Texas.

Annual Auto Insurance Rates for Teen Drivers in Alvarado, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,396 $11,309
American Family $5,924 $7,769
GEICO $5,048 $5,263
Nationwide $6,356 $8,149
Progressive $9,316 $10,379
State Farm $4,777 $6,105
USAA $4,328 $4,719

Cheap Alvarado, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Alvarado, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Alvarado, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,531 $3,531
American Family $2,121 $2,418
GEICO $2,213 $2,510
Nationwide $1,974 $2,087
Progressive $1,993 $2,031
State Farm $1,745 $1,745
USAA $1,492 $1,483

Cheap Alvarado, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Alvarado, Texas compared to the annual auto insurance rates with a clean record in Alvarado, Texas.

Annual Alvarado, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,253 $6,590 $6,862 $4,253
American Family $3,413 $4,327 $3,801 $3,413
GEICO $2,626 $3,486 $2,885 $3,367
Nationwide $3,095 $3,095 $4,579 $3,494
Progressive $3,643 $4,705 $4,250 $4,097
State Farm $2,501 $2,881 $3,419 $2,501
USAA $1,818 $2,679 $3,149 $2,086

Cheap Alvarado, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Alvarado, Texas is not easy. Compare the annual rates for DUI auto insurance in Alvarado, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Alvarado, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,862
American Family $3,801
GEICO $2,885
Nationwide $4,579
Progressive $4,250
State Farm $3,419
USAA $3,149

Cheap Alvarado, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Alvarado, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Alvarado, Texas

Insurance Company Poor Fair Good
Allstate $6,981 $5,111 $4,377
American Family $5,152 $3,230 $2,833
GEICO $4,764 $2,702 $1,806
Nationwide $4,270 $3,438 $2,990
Progressive $4,697 $4,061 $3,764
State Farm $3,999 $2,491 $1,986
USAA $3,577 $2,063 $1,658

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Cheap Alvarado, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Alvarado, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Alvarado, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Alvarado, Texas

ZIP Code Average Annual Rates
76009 $5,349

Cheap Alvarado, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Alvarado, Texas auto insurance. Find the cheapest annual Alvarado, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Alvarado, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,354 $5,625
American Family $3,738 $3,738
GEICO $3,037 $3,145
Nationwide $3,566 $3,566
Progressive $4,174 $4,174
State Farm $2,825 $2,825
USAA $2,402 $2,464

Cheap Alvarado, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Alvarado, Texas? Check out the comparison of annual Alvarado, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Alvarado, Texas

Insurance Company Low Medium High
Allstate $5,339 $5,433 $5,698
American Family $3,491 $3,608 $4,116
GEICO $2,937 $3,057 $3,278
Nationwide $3,833 $3,415 $3,450
Progressive $3,970 $4,153 $4,399
State Farm $2,675 $2,817 $2,985
USAA $2,350 $2,423 $2,525

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Best By Category: Cheapest Auto Insurance in Alvarado, Texas

Compare the cheapest auto insurance companies in Alvarado, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Alvarado, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Alvarado, Texas Auto Insurance Companies

What auto insurance companies in Alvarado, Texas are the cheapest? Compare the top Alvarado, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Alvarado, Texas

Insurance Company Average Annual Rates
Allstate $5,490
American Family $3,738
GEICO $3,091
Nationwide $3,566
Progressive $4,174
State Farm $2,825
USAA $2,433

What affects auto insurance rates in Alvarado, Texas?

There are a lot of reasons why auto insurance rates in Alvarado, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Alvarado, Texas. Many local factors may affect your Alvarado auto insurance rates.

Alvarado Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Alvarado, Texas auto theft statistics, there have been 10 auto thefts in the city.

Alvarado Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Alvarado, Texas commute length is 29.1 minutes according to City-Data.

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Compare Alvarado, Texas Auto Insurance Quotes

Before you buy Alvarado, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Alvarado, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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