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How much is car insurance in Albertville?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Albertville are about $6 a month cheaper than in the rest of Alabama.
When stacked up against the national average, the average monthly policy payment for Albertville is more affordable. The average monthly payment in Albertville is about $34 cheaper than the rate for the rest of the United States.
Bear in mind that while these are the average car insurance rates for Albertville, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down average rates for Albertville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. 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|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $41 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Albertville.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Albertville, although women do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Albertville with a single accident on their record will usually see rates around $80 a month. In addition, drivers with one ticket can expect to pay around $59 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$40|
According to the first table above, SUVs and cars are usually the cheapest vehicles to insure in Albertville, with drivers paying around $46 per month for auto insurance.
SUV owners, on the other hand, typically pay around $46 per month, while truck and van drivers can expect to pay about $48 a month for insurance coverage.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Albertville, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
Generally, those who are currently married will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Albertville as well, where the difference is around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $3 less than homeowners in Albertville. 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 Albertville, AL
Recent trends in car insurance for Albertville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The rates for car insurance in Albertville went up from 2016-2018, when they hit a high of $54. This pattern leveled out in 2019, when they began to decrease, and have continued on that road through the present, where insurance rates finished at $33 per month.
How does Albertville compare to neighboring areas?
Why are car insurance rates in Albertville different from other areas?
There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community laws
- Amount of off-street parking
- Amount of drivers in the area
- General road safety (how many accidents each locality has)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Albertville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Albertville.
Albertville Insurance FAQs
What factors affect car insurance quotes in Albertville?
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, address, and marital status.
Why is the cost of car insurance in Albertville different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Albertville?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Albertville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Albertville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?