Get Cheap Car Insurance in Elgin TX

  1. Residents of Elgin Can Save Up To $510 by Comparing Multiple Insurance Quotes

See How Much You Can Save in Elgin

 

What's the Cost of Car Insurance in Elgin?

We have been able to help several drivers in Elgin TX locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Elgin Texas, the annual rates had a difference of up to $439. Specifically, this means that the cheapest price was $1089 and the most expensive was $1528.

Several factors all come together to influence what your final insurance premium will be. Each one is valued differently and will therefore impact your final rates in either smaller ways or bigger ones. This is why shopping around and comparing a minimum of three or more insurers in your area of Elgin is important in getting the cheapest car insurance rates.

Lowest Average Highest
$1089 $1263 $1528

Insurance Prices: Elgin vs. National/State Averages

Elgin has low-cost car insurance premiums that are below the state's average. It costs $282 less per year than Texas's average. While this may come as a relief, it isn't a reason to become complacent. Taking advantage of lower costs is still an important practice even in Elgin. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1263 $1545 $1479

Elgin TX Average Car Insurance Savings by Neighborhood

If you're thinking about moving then you may want to keep the following in mind. Changing zip codes can actually have a noticeable impact on your car insurance. We have looked at the cost of insurance in various neighborhoods of Elgin to give you a sense of where you can find the lowest costs.

The difference was -$69 between the cheapest neighborhood in Elgin TX with a rate of $1194 on average and a +$887 difference between the priciest area in Elgin TX with an average price of $2150.

# Neighborhood Average Rate
  Elgin $1263
1 Wimberley +$887
2 Dripping Springs +$827
3 Canyon Lake +$777
4 Kyle +$67
5 Bastrop +$3
6 Leander -$5
7 San Marcos -$5
8 Round Rock -$34
9 Hutto -$48
10 Cedar Park -$56
11 New Braunfels -$65
12 Georgetown -$69

Let's go over some ways to save on car insurance in Elgin

Elgin Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Elgin. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $70 more per year compared to being married, and being a man can typically cost up to $417 more per year in Elgin TX as opposed to being a woman.

Elgin Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Elgin TX is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $2627 a year for insurance on average. This is far higher than the state average of $1545, and $1364 higher than Elgin' average. When gender is taken into account the difference between male and female teens in Elgin TX is $774.

The effect of DUIs on insurance premiums in Elgin TX

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Elgin then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $1263 all the way up to $2349. That means that on average the cost for conviction in Elgin TX can be an increase of $1086.

DUI City Average
$2349 $1263

Find cheap car insurance in Elgin quickly and easily

 

Find Local Elgin Agents

Brad Carter - State Farm Insurance Agent

14 N Main St ste a Elgin TX 78621

Germer Insurance Services

115 W 2nd St Elgin TX 78621

Rosado Insurance Agency

106 Depot St # A Elgin TX 78621

Elgin in Brief

  • $1263

    the average Elgin resident's annual cost of coverage

  • $510

    our customer's average savings after comparing insurance

  • 30/60/25

    minimum insurance requirements in Elgin TX

Area We Serve

78621

Elgin Map

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