Albertville, AL Car Insurance

The average monthly cost for car insurance in Albertville is about $47. To find out more check out our guide below.
Are rates in Albertville higher or lower than those in neighboring areas? How do they compare to the rest of Alabama? What rates should residents of Albertville expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Albertville?

Area Average Monthly Car Insurance Premium
Albertville$47
AL$53
United States$81

Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in Albertville than it is in the rest of Alabama.

Similarly, when compared to the national average, the cost for auto insurance in Albertville is lower. Auto insurance coverage in Albertville is about $34 cheaper than it is for the rest of the U.S.

Keep in mind that these are the average auto insurance rates for Albertville, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Albertville so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$233
18-24$98
25-34$50
35-44$38
45-54$36
55-64$40
65+$55

Generally, the older you are the more experienced you are behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $43 more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Albertville drivers may see their rates creep back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$47

In general, car insurance rates for women are usually cheaper than they are for men. In Albertville, however, male and female drivers both pay, on average, $47 for their monthly policy premium.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$116
1 Ticket$78
Multiple Tickets$56

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Albertville with one accident will pay around $80 a month. Likewise, drivers with one ticket will be looking at a rate of around $78 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$39
2-3 Years$55
4-5 Years$29
6-7 Years$42
8-10 Years$60
11-14 Years$55
15 Years or Older$41

As you can see in the first table above, the cheapest vehicles to insure in Albertville are typically SUVs, trucks, and vans, which run about $45 per month.

On the other hand, car owners, can expect to pay about $48 a month to insure their vehicle.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Albertville are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$43
Divorced$39
Widowed$32

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Albertville is no exception, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$45
Live with parents$58

Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $1 a month less than drivers who own property in Albertville. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Albertville, AL

Recent trends in car insurance for Albertville drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Albertville, auto insurance rates increased from 2017-2018, when they reached a high of $54. This shifted in 2019, when rates began to decrease. They hit a low of $40 in 2021, and finished up in 2022, at $53 per month.

How does Albertville compare to neighboring areas?

Why are car insurance rates in Albertville different from other areas?

Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Total drivers
  • Access to off-street parking
  • Number of car accidents
  • Regional crime rates
  • Community laws

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Albertville?

Equipping 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.

Luckily, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Albertville in no time.

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Albertville Insurance FAQs

What factors affect car insurance quotes in Albertville?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Albertville different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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?

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 Albertville?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Albertville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes