Cheapest Car Insurance Quotes In Alpine, TX For 2024

Texas Farm Bureau is recognized as the most economical choice in Alpine, with an average rate of $20 per month.

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Updated: 29 March 2024
Written by
Bob Phillips
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When searching for the most budget-friendly car insurance in Alpine, TX, options can vary, but Texas Farm Bureau stands out for its competitive rates. On average, residents can obtain car insurance for about $20 per month, significantly lower than the state’s average of $125.

For individuals interested in the most affordable liability-only coverage, Texas Farm Bureau is the top choice. Meanwhile, drivers seeking more comprehensive protection may find that State Farm offers the best rates for full coverage policies, priced at $45 per month. Additionally, State Farm provides the most budget-friendly rates for young drivers, at $145 per month.

Cheapest Car Insurance Companies In Alpine, TX

Cheapest Car Insurance, Alpine, TX

Our Methodology

Utilizing a comprehensive analysis covering customer service ratings, product options, pricing, and thorough evaluations of various online review sites and user experiences, I've developed a detailed understanding of the landscape of car insurance providers in Alpine, TX. This perspective is informed by over 15 years of direct involvement in the industry as a licensed insurance agent. Through numerous interactions with representatives from different companies and firsthand experiences, I've gained valuable insights into the landscape of car insurance providers in the area.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Alpine, TX?

Texas Farm Bureau provides the most affordable car insurance in Alpine, TX, with coverage available for $118 per month.

Comparing rates to the average rates in Texas and the entire United States, it’s evident that it offers significantly lower prices, as illustrated in the table below:

Area Average Monthly Rate
National $143
Texas $125
Alpine, TX $118

Keep in mind that the average national cost considers both high-cost states like New York, New Jersey, and California, and low-cost states such as Mississippi, Kentucky, and Wyoming. Rates can vary significantly by location due to various factors, including vehicle type, coverage amount, zip code, driving record, and more.

Cheapest Car Insurance Rates In Alpine For Teenagers

Teenage drivers in Alpine can secure the most affordable insurance quotes from Nationwide, with average monthly premiums of $107.

Provider Average Monthly Cost Average Annual Cost
State Farm $129 $1,542
GEICO $163 $1,958
Nationwide $107 $1,291
Progressive $278 $3,340
Allstate $453 $5,438

Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience behind the wheel. Insurance providers classify these young motorists as a high-risk category because statistics show they are more likely to be involved in accidents and commit traffic infractions.

Cheapest Car Insurance Rates In Alpine For Full Coverage

State Farm offers the most affordable car insurance rates for full coverage in Alpine, with average quotes of $45 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $109 $1,302
GEICO $65 $778
Mercury $69 $825
Allstate $58 $695
State Farm $45 $538

Full coverage car insurance offers comprehensive protection beyond the basic coverage required by law. It typically combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Alpine For Young Adults

State Farm provides the most affordable insurance quotes for young adults in Alpine, with rates averaging around $145 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $145 $1,740
Nationwide $175 $2,100
Mercury $210 $2,520
Allstate $264 $3,119
Travelers $278 $3,214

In Texas, young adult drivers usually enjoy lower car insurance rates compared to their teenage counterparts. This pricing difference is attributed to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers mature.

Statistically, young adults are less inclined to file claims with insurance companies, reflecting a decrease in accident involvement. As a result, insurers reduce premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Alpine For Minimum Coverage

Texas Farm Bureau stands out as the most affordable car insurance company for minimum coverage in Alpine, with an average monthly cost of $20.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $40 $487
Texas Farm Bureau $20 $252
State Farm $22 $258
Allstate $23 $276

The minimum car insurance policy in Texas should include, at the very least:

  • $25,000 property damage liability per accident
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident

Maintaining minimum car insurance offers some level of protection while driving, but it lacks collision or comprehensive coverage. Therefore, damages to your vehicle in accidents or incidents such as theft or natural disasters aren’t covered.

Driving without insurance is illegal in Texas. If you’re unable to show proof of insurance during a traffic stop, you could face penalties ranging from fines to license suspension or more severe consequences.

Cheapest Car Insurance Rates In Alpine For Seniors

Texas Farm Bureau offers the most budget-friendly car insurance rates for seniors in Alpine, with an average monthly premium of $38.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $38 $456
GEICO $62 $744
State Farm $47 $564
Mercury $70 $840
Allstate $55 $660

In Texas, numerous seniors may discover advantageous car insurance rates influenced by various beneficial factors. While age often plays a role in determining insurance rates, with older age sometimes linked to decreased driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Alpine For Good Drivers

Good drivers in Alpine can obtain the most affordable car insurance quotes from Texas Farm Bureau, typically around $98 per month.

Provider Average Monthly Cost Average Annual Cost
AAA $178 $2,136
Germania $137 $1,644
Texas Farm Bureau $98 $1,176
State Farm $137 $1,644
Houston General $158 $1,896

Drivers with clean driving records in Alpine typically enjoy lower car insurance rates because they’re viewed as lower risk by insurance companies. These companies use driving records as a measure of how safely a person drives. Fewer incidents such as accidents or traffic violations indicate that the driver is cautious and less likely to file a claim.

Insurers determine their rates based on the likelihood of a driver making a claim. Therefore, a spotless driving record can result in significant savings on premiums. It all boils down to risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Alpine For Drivers With Prior Incidents

In Alpine, drivers with records of traffic violations, including accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk individuals, anticipating a higher likelihood of future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Alpine For Drivers With A Speeding Ticket

State Farm offers very competitive rates compared to other companies, with average monthly rates of $47.

Provider Average Monthly Cost Average Annual Cost
State Farm $47 $590
Mercury $100 $1,208
Geico $79 $964
Allstate $64 $776
Progressive $140 $1,703

Cheapest Car Insurance Rates In Alpine For Drivers With An At-Fault Accident

State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, with an average rate of $59 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $59 $731
Chubb $160 $1,954
GEICO $93 $1,135
Progressive $175 $2,126
Allstate $100 $1,209

Cheapest Car Insurance Rates In Alpine For Drivers After A DUI

State Farm stands out as the company offering the most budget-friendly rates for drivers with a DUI record in Alpine. They provide average monthly premiums of $87 for such drivers.

Provider Average Monthly Cost Average Annual Cost
State Farm $87 $1,070
Chubb $213 $2,561
Progressive $128 $1,565
Geico $113 $1,372
Allstate $104 $1,275

Best Car Insurance Companies In Alpine

For drivers in Alpine, selecting the right car insurance company involves finding affordable rates as well as securing reliable protection on the road. Below are the top 10 car insurance companies in Alpine, TX, ranked by the average monthly rate they offer.

Company Monthly Premium
Texas Farm Bureau $78
Clearcover $150
USAA $117
Direct Auto $85
Mercury $115
Kemper $147
SafeAuto $127
State Farm $97
Mercury $147
Nationwide $140

Average Car Insurance Rates By Age In Alpine

Age Average Yearly Rate
Teenagers $2,928
20s $1,992
30s $1,236
40s $1,176
50s $1,080
60s $960
70s $1,212

Age plays a significant role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thus influencing the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Alpine

Vehicle Average Monthly Rate
Toyota Tundra $358
Hyundai Sonata $195
Ford Focus $89
Chevrolet Colorado $65
Subaru Forester $63

The type of vehicle you drive significantly impacts your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers take these factors into account because they directly affect the potential cost of claims – for example, repairs for a high-end car are typically more expensive than for a standard vehicle. Additionally, certain car models known for their safety features may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Midland $118
Sherman $108
Beaumont $127
Arlington $130
Laredo $150
El Paso $122
Fort Worth $123
Baytown $140
Irving $135
Lubbock $116

The city where you live greatly influences your car insurance rates. Insurance companies evaluate various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are usually higher in urban areas. This heightened risk often results in higher premiums.

FAQs

Who has the lowest car insurance rates in Alpine?

The most affordable car insurance rates in Alpine are provided by Texas Farm Bureau for the minimum coverage required by the State of Texas, and by State Farm for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Alpine?

The average cost of car insurance in Alpine is approximately $118 per month. However, rates can vary based on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.

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