Cheapest Car Insurance Quotes in Alanreed

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Alanreed Car Insurance

^$ 41

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Alanreed

The car insurance rate in Alanreed is $1005 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $638, making it a popular choice for budget-conscious drivers. Rates in Alanreed can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Alanreed

$1005

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Alanreed

1st place: Texas Farm Bureau

At $638 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $758 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $781 for six months, making it the third cheapest auto insurance company in Alanreed.

Alanreed Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alanreed, TX is Texas Farm Bureau, offering policies at just $638 for a six-month term. This is followed by Mercury, which has an average six-month premium of $758.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1090 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alanreed drivers find the best deals.

Cheap Car Insurance Companies in Alanreed, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$638	$108
Mercury	$758	$129
State Farm	$781	$132
AAA Texas	$793	$134
USAA	$873	$147
Redpoint Insurance	$935	$159
Progressive	$1078	$181
Southern County Mutual	$1237	$210
Allstate	$1472	$248
Farmers	$2355	$400
Redpoint County Mutual	$918	$156
Geico County Mutual	$1026	$175
Germania	$411	$68
AAA	$718	$120
National General	$1090	$181

Key Takeaways

Way's key takeaways about car insurance in Alanreed

The auto insurance costs in Alanreed fall around $638 for six months.
The cheapest auto insurance company in Alanreed is Texas Farm Bureau.
Teen drivers pay the highest rate in Alanreed at $70 per month.

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Cheapest Minimum Liability Car Insurance in Alanreed

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Alanreed are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Alanreed. Their Average 6 Month Premium is $245. Germania is the most expensive at $411 for the same period.

Cheapest Liability Coverage in Alanreed, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$245	$41
USAA	$274	$46
Progressive	$285	$48
State Farm	$291	$49
Redpoint Insurance	$320	$53
Mercury	$371	$62
AAA Texas	$411	$68
Allstate	$564	$95
Farmers	$929	$155
Redpoint County Mutual	$308	$51
Geico County Mutual	$320	$55
National General	$353	$59
Germania	$411	$70

Cheapest Full Coverage Car Insurance in Alanreed

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Alanreed is Texas Farm Bureau at $108 per month and $638 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alanreed, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$638	$108
Mercury	$758	$129
State Farm	$781	$132
AAA Texas	$793	$134
USAA	$873	$147
Redpoint Insurance	$935	$159
Progressive	$1078	$181
Southern County Mutual	$1237	$210
Allstate	$1472	$248
Farmers	$2355	$400
Redpoint County Mutual	$918	$156
Geico County Mutual	$1026	$175
Germania	$411	$68
AAA	$718	$120
National General	$1090	$181

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Average Car Insurance in Alanreed by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Alanreed, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Alanreed, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Alanreed's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alanreed

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$671
40s	Nationwide	$666
50s	Texas Farm Bureau	$594
60s	Texas Farm Bureau	$549
70s	Texas Farm Bureau	$589

Cheapest Car Insurance Rates for Teen Drivers in Alanreed,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Alanreed at $54 per month. At $422 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$325	$54
Southern County Mutual	$422	$72
Mercury	$456	$76
AAA Texas	$519	$88
Texas Farm Bureau	$1135	$191
USAA	$1237	$208
State Farm	$1284	$216
Allstate	$3222	$542
Progressive	$5497	$925
Farmers	$7687	$1307
Redpoint County Mutual	$314	$54
Geico County Mutual	$422	$70

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Alanreed.

As young drivers face the highest rates in Alanreed, Texas Farm Bureau offers the cheapest auto insurance rates at $671 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Alanreed, Mercury is the cheapest car insurance provider. At $496 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Alanreed is State Farm, offering rates of around $4306 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$496	$84
Foremost	$593	$99
AAA Texas	$633	$108
Dairyland	$735	$123
Allstate	$964	$164
USAA	$987	$164
Texas Farm Bureau	$1112	$189
Progressive	$1540	$259
Farmers	$3900	$663
State Farm	$4306	$717

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Save up to $971/yr on car insurance rates in Alanreed.

Car Insurance Rates with An Accident in Alanreed

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Alanreed, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alanreed

The cheapest car insurance companies after an at-fault accident in Alanreed include Redpoint Insurance and Southern County Mutual, offering $325 and $394, respectively. National General is an expensive provider with an average six-month premium of $553.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$325	$54
Southern County Mutual	$394	$67
State Farm	$605	$102
AAA Texas	$611	$104
Mercury	$741	$124
USAA	$906	$153
Texas Farm Bureau	$1003	$169
Progressive	$1864	$314
Allstate	$2099	$353
Farmers	$6472	$1100
Redpoint County Mutual	$314	$52
Geico County Mutual	$394	$67
National General	$553	$94

Alanreed Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alanreed TX. For example, the car insurance in Alanreed after a DUI increases to $752 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

Alanreed auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1232	$205
One Med/PIP claim	$1243	$211
One comp claim	$1306	$218
Not-at-fault accident	$1317	$224
Two Med/PIP claims	$1323	$221
Failure to show documents	$1369	$232
Driving with expired registration	$1380	$230
Two comp claims	$1391	$236
Cell phone violation	$1403	$234
Driving without lights	$1403	$238
Texting while driving	$1403	$234
Driving too slowly	$1408	$239
Speeding 11 - 15 MPH over limit	$1408	$235
Speeding 16 - 20 MPH over limit	$1408	$239
Speeding 6 - 10 MPH over limit	$1408	$235
Speeding in school zone	$1408	$239
Child safety restraint	$1414	$236
Failure to wear a seat belt	$1414	$240
In 65 MPH zone	$1420	$237
Failure to stop at a red light	$1426	$243
Failure to yield	$1426	$238
Following too closely	$1426	$243
Illegal turn	$1426	$238
Improper passing	$1426	$243
Speeding 21 - 25 MPH over limit	$1426	$238
Passing school bus	$1431	$244
Wrong way/wrong lane	$1431	$238
Operating a vehicle without permission	$1437	$245
At-fault accident - less than $1000	$1494	$249
Open container	$1682	$286
Driving with a suspended license	$1745	$291
Racing	$1848	$314
Reckless driving	$1848	$308
Leaving scene of an accident/hit and run	$1893	$322
At-fault accident - $1000-$2000	$1899	$317
Refusal to submit to a chemical test	$1956	$332
DUI	$1984	$331
At-fault accident - greater than $2000	$2064	$351

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Alanreed after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Alanreed.

The cheapest car insurance premiums in Alanreed are offered by Mercury at $491 for a six-month policy. However, it can be as expensive as $2971 with companies like Farmers.

Alanreed car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$491	$82
Foremost	$553	$94
Dairyland	$605	$101
AAA Texas	$638	$108
State Farm	$799	$134
Texas Farm Bureau	$947	$161
Progressive	$1197	$202
USAA	$1226	$206
Allstate	$1563	$263
Nationwide	$1614	$275
Farmers	$2971	$495

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Alanreed are offered by State Farm at $444. However, it can be as expensive as $3233 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Alanreed after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$444	$75
Texas Farm Bureau	$491	$84
Mercury	$508	$84
AAA Texas	$541	$92
USAA	$713	$119
Allstate	$964	$164
Progressive	$1660	$276
Farmers	$3233	$550

Car Insurance Price Trends in Alanreed, Texas

Car insurance rates in Alanreed have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Alanreed remained steady at $199 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Alanreed rose to $61 in December, compared to $60 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Alanreed?

The car insurance in Alanreed is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Alanreed?

The cheapest car insurance in Alanreed is $108 per month for full coverage.

How much is car insurance in Alanreed for teenagers?

Car insurance for teenagers costs $325 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Alanreed?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $170 per month to insure your car in Alanreed.

Is car insurance expensive in Alanreed?

Car insurance can be expensive in Alanreed if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Alanreed can be affordable.

Cheapest Car Insurance Quotes in Alanreed

Why you can trust Way?

How Much Is Car Insurance in Alanreed

Avg. Car Insurance in Alanreed

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Alanreed

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Alanreed Car Insurance Rates by Company

Cheap Car Insurance Companies in Alanreed, TX

Way's key takeaways about car insurance in Alanreed

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Alanreed

Cheapest Liability Coverage in Alanreed, TX

Cheapest Full Coverage Car Insurance in Alanreed

Cheapest Full Coverage Car Insurance Quotes in Alanreed, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Alanreed by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Alanreed, TX increasing?

Car Insurance Premiums by Age in Alanreed

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Alanreed,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Alanreed.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Alanreed

Cheapest Car Insurance Companies after an At-Fault Accident in Alanreed

Alanreed Car Insurance Rates by Violation

Alanreed auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Alanreed after a DUI

Alanreed car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Alanreed after Speeding ticket

Car Insurance Price Trends in Alanreed, Texas

Average Car Insurance Cost in Alanreed by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Alanreed, TX

Car Insurance Rates by State in the USA (2025 Update)

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