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How much is car insurance in Alabaster?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Alabaster are about the same as the rest of Alabama.
However, car insurance rates in Alabaster are often favorable when viewed against the rest of the country. Auto insurance coverage in Alabaster is about $25 cheaper than it is for the rest of the United States.
Although these are the average rates for auto insurance in Alabaster, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've analyzed the average rate for Alabaster and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may rise again in Alabaster.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Alabaster actually bucks this trend. While female drivers pay $58 per month to insure their vehicle, males only pay about $52.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Alabaster with one accident will pay around $70 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $81.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$55|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Alabaster, with drivers paying around $46 per month for insurance.
Truck and van drivers will see rates of about $61, while the rates for SUV owners average out to about $46 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Alabaster are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Overall, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Alabaster is no exception, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Another factor taken into consideration is your living accommodations. Homeowners in Alabaster can expect to pay around $4 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Alabaster, AL
Recent trends in car insurance for Alabaster drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Alabaster rose from 2016-2018, before steadying out in 2019. They finished down in 2021, at $49 per month
How does Alabaster compare to neighboring areas?
Why are car insurance rates in Alabaster different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Number of drivers in the region
- Area regulations
- Off-street parking availability
- Rate of crime
- Road Safety (frequency of car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Alabaster?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Alabaster.
Alabaster Insurance FAQs
What factors affect car insurance quotes in Alabaster?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Alabaster different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Alabaster?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Alabaster?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Alabaster or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.