Factors Influencing Cost of Car Insurance in Uvalde, TX

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The average cost of car insurance in Uvalde, TX, is $1,849. This cost is higher than nearby locations like Knippa but lower than other nearby locations like Uvalde County and Uvalde Estates. Various factors like the age of the driver, neighborhood, and credit scores can make the cost of car insurance expensive in Uvalde, TX. Some of these major factors are explored below in detail by Zimlon.

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Age of the Driver: 

Car owners in Uvalde, TX, can make car insurance less expensive and get various discounts by comparing multiple age of the driver based policies offered by different insurance companies. According to Zimlon’s analysis, in Uvalde, TX, teenagers and young drivers pay more car insurance costs than older drivers as insurance companies consider them as less responsible drivers. The cost of car insurance for teenagers in Uvalde, TX, is $6000, whereas, a 20-years old driver pays $$2,376. For drivers between the ages of 30 to 70 years in Uvalde, TX, the cost of car insurance is less than $2000.

Driving Under Influence (DUI): 

Driving under the influence (DUI) can increase the cost of car insurance significantly in Uvalde, TX. Zimlon’s research found that in Uvalde, TX  the average cost of car insurance $1,849 increases to $2,878 post-DUI. Car owners in Uvalde, TX, can make car insurance less expensive by avoiding DUI. 

Driving Violations: 

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. It is the severity of the driving violation and place of residence that determines how long the violation stays on the record.

Zimlon’s research found that violations such as driving without a headlight in Uvalde, TX, can increase insurance costs by $81. Other violations like speeding or running a red light can cost car owners more than $450. More severe driving violations like driving with an expired or suspended license can add $1,246 to the car insurance costs. 

Credit Score: 

Car owners in Uvalde, TX, can also make car insurance less expensive by maintaining positive credit scores. Several auto insurance companies provide considerable discounts to car owners that have a higher positive credit score and a clean driving history. Zimlon’s research found that car owners with a “good” credit score of 670-739 will have to pay $1,927. Whereas, for a “poor” credit score of 300-579 cost of car insurance in Uvalde, TX, can get as high as $3,016.