Alvarado Auto Insurance Rates, Quotes, Agents & Reviews in TX

Alvarado, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Alvarado, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Alvarado, TX's Cheap Auto Insurance Cost

In Alvarado, TX the average cost of vehicle insurance is $1806. Auto insurance premiums vary greatly depending on individual rating variables, which Zimlon delves into further below. The cheapest form of auto insurance a person can have depends on their age and location when obtaining it, as well as other criteria imposed by state law or any firm they may be purchasing from with a range of rates.

Examine the factors and discounts accessible in Alvarado in the table below.

Costs for Multi-Car Insurance

Alvarado car owners might save money on insurance by purchasing multiple policies from the same company. Bundled rates are less expensive because your policies and claims are handled by one firm rather than many organisations. The following are some examples of average savings:


Based on the driver's age

Teenagers and young drivers have higher insurance rates because they are perceived as more careless behind the wheel. In Alvarado, minors pay $5860 on average for auto insurance, compared to $1787 and $1720 for older persons 30-40 years old. Car owners in Alvarado can save money on their insurance by comparing age-based policies and taking advantage of discounts such as the good student/driver discount or defensive driving.

Depending on your credit score

Car insurance may be less expensive for those with good credit and a clean driving record. According to Zimlon's research, if you are a "excellent" driver with a score of 800 or higher, your average annual premium in Alvarado is $1550; however, if you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, your premiums will shoot up to $1882. In other words, car owners with good credit pay less than the average insurance cost, and car owners with bad credit spend up to $2946 in premiums.

Based on security features 

Cars with safety features not only safeguard the vehicle and its occupants, but they can also save money. Car insurance firms will offer discounts to road safety advocates who install as many safety features as possible on their vehicles. Depending on the type or amount of protective features installed, cost savings will vary. According to Zimlon's research, automobile owners in Alvarado can save $1680 on auto insurance by installing passive disabling devices. In Alvarado, installing features such as an audible alarm or an active disabling device can lower insurance prices to $1734. The average cost of insurance for cars equipped with active tracking systems is $1698.

Factors that can influence the cost of car insurance in Alvarado, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Alvarado, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Alvarado, TX with that of other cities in and around Alvarado.

Alvarado Cross Timber Rendon Briaroaks Coyote Flats Keene
Average Insurance Rates $1,806 $2,090 $2,012 $2,016 $1,946 $1,886

Alvarado, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Alvarado, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Alvarado $1,215 $1,027
Venus $1,993 $1,683
Briaroaks $1,353 $1,143
Cross Timber $1,878 $1,586
Keene $1,201 $1,014
Mansfield $2,282 $1,928
Coyote Flats $1,371 $1,158
Rendon $2,014 $1,701

Alvarado, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Alvarado, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,860
20 Years $2,320
30 Years $1,787
40 Years $1,720
50 Years $1,592
60 Years $1,615
70 Years $1,879

Alvarado, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Alvarado, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,106 $506
3 Vehicles $4,659 $759
4 Vehicles $6,213 $1,011

Savings on 2 Vehicles bundle:$506

Savings on 3 Vehicles bundle:$759

Savings on 4 Vehicles bundle:$1,011

Alvarado, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alvarado, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Alvarado $1,806 $2,812
Venus $1,902 $2,961
Briaroaks $2,016 $3,138
Cross Timber $2,090 $3,254
Keene $1,886 $2,936
Mansfield $1,377 $2,144
Coyote Flats $1,946 $3,029
Rendon $2,012 $3,132

Alvarado, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,550
Excellent (740-799) $1,769
Good (670-739) $1,882
Average (580-669) $2,455
Poor (300-579) $2,946

Alvarado, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Steve Grammer Farmers 6009 W I 20, Arlington, 76017 (817) 259-0050
Sig/ Faulkner Insurance Agency None 208 E. Broad St Ste 102, Mansfield, 76063 None
Laurie Cinecio Allstate 5329 E FM 1187, Burleson, 76028 (817) 572-1938
Julia Serebro Allstate 990 N Walnut Creek Dr Ste 1005, Mansfield, 76063 (817) 453-7500
John Key State Farm 951 N Walnut Creek Dr, Suite 103, Mansfield, 76063-8025 817-473-1138
Steve Perryman State Farm 3800 SW Green Oak Blvd, Arlington, 76017-4108 817-561-5555
John Smrcina State Farm 3117 S Carrier Pkwy, Grand Prairie, 75052-6050 972-262-2672
Troy D. Anderson Agency None 516 Laredo Rd, Burleson, 76028 None
Boyd, Shackelford And Barnett, Llc None 5800 Granite Pkwy 5800 Granite Pkwy, Plano, 75024 None
Jeffrey Wayne Hunt Nationwide 2080 N HWY 360 STE 375, Grand Prairie, 75050 (817) 784-9499

Alvarado, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$79 $1,885
Driver's Failure In Showing Documents +$175 $1,981
Driving With An Expired Registration +$186 $1,992
Driving At A Considerably Slow Pace +$392 $2,198
Using A Cellphone While Driving +$414 $2,220
Running A Red Light +$421 $2,227
Speeding +$442 $2,248
Driving A Vehicle Without The Required Permission +$562 $2,368
Driving With An Expired/Suspended License +$1,217 $3,023

Alvarado, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,734
Active Disabling Device $1,734
Tracking Device $1,698
Passive Disabling Device $1,680

Latest Auto Insurance Reviews in Alvarado, TX | Back to Top

The premium is awesome. I have tried to shop our car insurance, but was unable to find a single company that could match or beat USAA's Coverage and price.
State Farm
I had thought about moving my policy to another insurance company but when a local agent for another insurance company compared the rates, they could not beat Statefarm.
State Farm
We don't compare our car insurance to other companies. We are happy with our policy offerings..We have been with our company for over 40 years.
State Farm
I feel that state farm is easy to deal with compared to other insurance companies. Our coverage is great and they don't raise rates unfairly.
State Farm
I feel that state farm is easy to deal with compared to other insurance companies. Our coverage is great and they don't raise rates unfairly.
Their online app is easy to use and their website is intuitive, making it easy to find answers and conduct business.