Compare Alto, TX Car Insurance Rates (2021)

Car insurance in Alto, TX averages $321 a month. Alto, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Alto car insurance rates, compare quotes from the top car insurance companies in Alto, TX.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Alto is USAA
  • Average car insurance rates in Alto, TX are $3,847/year
  • Average car insurance rates in Alto, TX after a DUI are $4,359/year

If you need to buy Alto, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Alto, TX is right here.

You’ll find Alto car insurance rates, the cheapest Alto, TX car insurance companies, and information on Texas car insurance laws. You can also compare Alto, Texas car insurance rates to Austin car insurance rates, Houston car insurance rates, and Plano car insurance rates.

Ready to find affordable Alto, TX car insurance today? Enter your ZIP code for fast, free Alto car insurance quotes.

Cheapest Alto, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Alto, TX car insurance rates? Every Alto, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alto, 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 $3,285 $3,320 $3,242 $3,242 $8,700 $10,528 $4,079 $4,263
American Family $2,473 $2,749 $2,315 $2,647 $6,522 $8,539 $3,541 $4,035
GEICO $2,563 $2,761 $2,474 $2,779 $5,558 $5,846 $2,769 $2,786
Nationwide $2,366 $2,407 $2,090 $2,213 $6,727 $8,637 $2,781 $3,009
Progressive $2,698 $2,548 $2,407 $2,447 $11,611 $12,981 $3,196 $3,233
State Farm $2,099 $2,099 $1,857 $1,857 $4,883 $6,199 $2,272 $2,347
USAA $1,553 $1,565 $1,481 $1,473 $4,353 $4,751 $2,073 $2,230

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Minimum Car Insurance in Alto, TX

Every driver must carry the minimum car insurance in Alto, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Alto, 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

Cheapest Alto, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Alto, TX. Compare credit history car insurance rates in Alto from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Alto, Texas

Insurance Company Poor Fair Good
Allstate $6,453 $4,738 $4,056
American Family $5,638 $3,554 $3,116
GEICO $5,318 $3,006 $2,001
Nationwide $4,535 $3,640 $3,162
Progressive $5,776 $5,004 $4,640
State Farm $4,186 $2,600 $2,068
USAA $3,583 $2,063 $1,658

Cheapest Alto, 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 Alto, TX to rates for a clean record with top companies.

Annual Alto, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,955 $6,072 $6,346 $3,955
American Family $3,748 $4,743 $4,171 $3,748
GEICO $2,922 $3,860 $3,227 $3,759
Nationwide $3,278 $3,278 $4,858 $3,702
Progressive $4,473 $5,824 $5,232 $5,032
State Farm $2,638 $3,005 $3,524 $2,638
USAA $1,817 $2,677 $3,159 $2,086

Cheapest Alto, TX Car Insurance for Teen Drivers

Teen car insurance in Alto, TX can be expensive. Take a look at rates from the top car insurance companies in Alto for teenagers.

Annual Car Insurance Rates for Teen Drivers in Alto, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,700 $10,528
American Family $6,522 $8,539
GEICO $5,558 $5,846
Nationwide $6,727 $8,637
Progressive $11,611 $12,981
State Farm $4,883 $6,199
USAA $4,353 $4,751

Cheapest Alto, TX Car Insurance for Seniors

Take a look at Alto, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Alto, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,242 $3,242
American Family $2,315 $2,647
GEICO $2,474 $2,779
Nationwide $2,090 $2,213
Progressive $2,407 $2,447
State Farm $1,857 $1,857
USAA $1,481 $1,473

Cheapest Alto, TX Car Insurance Rates After a DUI

A DUI in Alto, TX increases car insurance rates. Compare Alto, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Alto, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,346
American Family $4,171
GEICO $3,227
Nationwide $4,858
Progressive $5,232
State Farm $3,524
USAA $3,159

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Cheapest Alto, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Alto, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Alto, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,962 $5,202
American Family $4,103 $4,103
GEICO $3,379 $3,505
Nationwide $3,779 $3,779
Progressive $5,140 $5,140
State Farm $2,951 $2,951
USAA $2,404 $2,465

The Best Cheap Car Insurance Companies in Alto, TX

Take a look at a side-by-side comparison of the top car insurance companies in Alto, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Alto, Texas

Insurance Company Average Annual Rates
Allstate $5,082
American Family $4,103
GEICO $3,442
Nationwide $3,779
Progressive $5,140
State Farm $2,951
USAA $2,435

Category Winners: Cheapest Car Insurance in Alto, Texas

Find the cheapest car insurance companies in Alto, TX for each category right here.

Best Annual Car Insurance Rates by Company in Alto, Texas

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

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Cheapest Alto, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Alto car insurance rates. Find the cheapest Alto, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Alto, Texas

Insurance Company Low Medium High
Allstate $4,989 $5,047 $5,211
American Family $3,810 $3,950 $4,547
GEICO $3,280 $3,402 $3,644
Nationwide $4,069 $3,614 $3,653
Progressive $4,862 $5,115 $5,444
State Farm $2,812 $2,942 $3,100
USAA $2,357 $2,425 $2,522

What affects car insurance rates in Alto, Texas?

What factors can have an impact on Alto, TX car insurance? There are several reasons why Alto car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Alto, Texas.

Commute Time in Alto

The more time you spend in your car the higher the risk of an accident. The average commute length in Alto, TX is 24.6 minutes according to City-Data.

Compare Car Insurance Quotes in Alto, TX

Ready to find affordable Alto, Texas car insurance today? Enter your ZIP code for fast, free Alto, TX car insurance quotes.

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