Compare Alba, TX Car Insurance Rates [2024]
Car insurance in Alba, TX averages $313 a month. Alba, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Alba car insurance rates, compare quotes from the top car insurance companies in Alba, TX.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Alba for teen drivers is USAA
- Average car insurance rates in Alba, TX are $3,756/year
- The cheapest car insurance company in Alba is USAA
If you need to buy Alba, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Alba, TX is right here.
You’ll find Alba car insurance rates, the cheapest Alba, TX car insurance companies, and information on Texas car insurance laws. You can also compare Alba, Texas car insurance rates to El Paso car insurance rates, Houston car insurance rates, and Laredo car insurance rates.
Ready to find affordable Alba, TX car insurance today? Enter your ZIP code for fast, free Alba car insurance quotes.
Cheapest Alba, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Alba, TX car insurance rates? Every Alba, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,536 | $3,564 | $3,494 | $3,494 | $9,307 | $11,216 | $4,360 | $4,531 |
| American Family | $2,416 | $2,689 | $2,271 | $2,600 | $6,418 | $8,375 | $3,468 | $3,946 |
| Geico | $2,600 | $2,793 | $2,488 | $2,789 | $5,593 | $5,878 | $2,811 | $2,831 |
| Nationwide | $2,189 | $2,228 | $1,936 | $2,050 | $6,146 | $7,892 | $2,565 | $2,775 |
| Progressive | $2,535 | $2,420 | $2,249 | $2,295 | $10,536 | $11,768 | $3,016 | $3,075 |
| State Farm | $1,881 | $1,881 | $1,671 | $1,671 | $4,447 | $5,657 | $2,041 | $2,106 |
| USAA | $1,584 | $1,597 | $1,510 | $1,503 | $4,417 | $4,824 | $2,114 | $2,276 |
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Minimum Car Insurance in Alba, TX
Every driver must carry the minimum car insurance in Alba, TX. Take a look at the Texas car insurance requirements.
| 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 |
Cheapest Alba, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Alba, TX. Compare credit history car insurance rates in Alba from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,928 | $5,059 | $4,327 |
| American Family | $5,511 | $3,496 | $3,061 |
| Geico | $5,367 | $3,033 | $2,018 |
| Nationwide | $4,165 | $3,345 | $2,908 |
| Progressive | $5,342 | $4,605 | $4,263 |
| State Farm | $3,781 | $2,353 | $1,875 |
| USAA | $3,649 | $2,099 | $1,686 |
Cheapest Alba, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Alba, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,217 | $6,528 | $6,791 | $4,217 |
| American Family | $3,674 | $4,653 | $4,091 | $3,674 |
| Geico | $2,947 | $3,876 | $3,266 | $3,802 |
| Nationwide | $3,014 | $3,014 | $4,459 | $3,403 |
| Progressive | $4,130 | $5,332 | $4,829 | $4,657 |
| State Farm | $2,378 | $2,720 | $3,202 | $2,378 |
| USAA | $1,850 | $2,725 | $3,213 | $2,124 |
Cheapest Alba, TX Car Insurance for Teen Drivers
Teen car insurance in Alba, TX can be expensive. Take a look at rates from the top car insurance companies in Alba for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,307 | $11,216 |
| American Family | $6,418 | $8,375 |
| Geico | $5,593 | $5,878 |
| Nationwide | $6,146 | $7,892 |
| Progressive | $10,536 | $11,768 |
| State Farm | $4,447 | $5,657 |
| USAA | $4,417 | $4,824 |
Cheapest Alba, TX Car Insurance for Seniors
Take a look at Alba, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,494 | $3,494 |
| American Family | $2,271 | $2,600 |
| Geico | $2,488 | $2,789 |
| Nationwide | $1,936 | $2,050 |
| Progressive | $2,249 | $2,295 |
| State Farm | $1,671 | $1,671 |
| USAA | $1,510 | $1,503 |
Cheapest Alba, TX Car Insurance Rates After a DUI
A DUI in Alba, TX increases car insurance rates. Compare Alba, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,791 |
| American Family | $4,091 |
| Geico | $3,266 |
| Nationwide | $4,459 |
| Progressive | $4,829 |
| State Farm | $3,202 |
| USAA | $3,213 |
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Cheapest Alba, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Alba, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,307 | $5,569 |
| American Family | $4,023 | $4,023 |
| Geico | $3,406 | $3,540 |
| Nationwide | $3,473 | $3,473 |
| Progressive | $4,737 | $4,737 |
| State Farm | $2,669 | $2,669 |
| USAA | $2,447 | $2,509 |
The Best Cheap Car Insurance Companies in Alba, TX
Take a look at a side-by-side comparison of the top car insurance companies in Alba, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,438 |
| American Family | $4,023 |
| Geico | $3,473 |
| Nationwide | $3,473 |
| Progressive | $4,737 |
| State Farm | $2,669 |
| USAA | $2,478 |
Category Winners: Cheapest Car Insurance in Alba, Texas
Find the cheapest car insurance companies in Alba, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Alba, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Alba car insurance rates. Find the cheapest Alba, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,287 | $5,381 | $5,645 |
| American Family | $3,730 | $3,870 | $4,469 |
| Geico | $3,309 | $3,430 | $3,679 |
| Nationwide | $3,748 | $3,324 | $3,347 |
| Progressive | $4,529 | $4,717 | $4,965 |
| State Farm | $2,536 | $2,662 | $2,811 |
| USAA | $2,399 | $2,468 | $2,567 |
What affects car insurance rates in Alba, Texas?
What factors can have an impact on Alba, TX car insurance? There are several reasons why Alba car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Alba, Texas.
Commute Time in Alba
The more time you spend in your car the higher the risk of an accident. The average commute length in Alba, TX is 22.7 minutes according to City-Data.
Traffic in Alba
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Alba, TX traffic data from INRIX ranks Alba as the 662nd-most congested in the world.
Compare Car Insurance Quotes in Alba, TX
Ready to find affordable Alba, Texas car insurance today? Enter your ZIP code for fast, free Alba, TX car insurance quotes.
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Frequently Asked Questions
How can I compare car insurance options in Alba, TX?
To compare car insurance options in Alba, TX, follow these steps:
- Determine your coverage needs: Assess the types and levels of coverage you require for your vehicle.
- Obtain multiple quotes: Collect quotes from various insurance providers in Alba, TX.
- Compare coverage and rates: Evaluate the coverage options and premiums offered by each insurer.
- Consider additional factors: Take into account customer reviews, financial stability of the insurance company, and available discounts.
- Make an informed decision: Choose the car insurance policy that best fits your needs and budget.
What factors should I consider when comparing car insurance in Alba, TX?
When comparing car insurance in Alba, TX, consider the following factors:
- Coverage options: Evaluate the types of coverage available, such as liability, collision, comprehensive, uninsured/underinsured motorist coverage, and personal injury protection.
- Premiums: Compare the premiums quoted by different insurers for similar coverage.
- Deductibles: Consider the deductible amounts and how they impact your premiums.
- Discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for anti-theft devices.
- Customer reviews: Read reviews and ratings from other policyholders to gauge the customer service and claims handling of the insurance companies.
- Financial stability: Check the financial ratings of insurance companies from reputable sources to ensure they can meet their financial obligations.
Are there any specific car insurance requirements in Alba, TX?
Yes, there are specific car insurance requirements in Alba, TX. All drivers in Texas must carry at least the minimum liability coverage, which includes:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Can I get discounts on car insurance in Alba, TX?
Yes, many car insurance providers offer various discounts that can help lower your premiums in Alba, TX. Some common discounts include:
- Safe driver discounts: Offered to drivers with a clean driving record and no at-fault accidents.
- Multi-policy discounts: Available when you bundle multiple insurance policies, such as auto and home insurance, with the same provider.
- Good student discounts: Offered to students who maintain good grades.
- Anti-theft device discounts: Provided for vehicles equipped with anti-theft devices.
- Defensive driving course discounts: Available to drivers who complete an approved defensive driving course.
How can I lower my car insurance premiums in Alba, TX?
To lower your car insurance premiums in Alba, TX, consider the following:
- Comparison shopping: Obtain quotes from multiple insurance providers to find the most competitive rates.
- Increase deductibles: Opting for a higher deductible can lower your premiums. However, ensure you can afford to pay the deductible in case of an accident.
- Maintain a good driving record: Avoid accidents and traffic violations, as a clean driving record often leads to lower premiums.
- Take advantage of discounts: Inquire about all available discounts and take advantage of those you qualify for.
- Bundle policies: Consider bundling your car insurance policy with other policies, such as home insurance, to receive multi-policy discounts.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.