Alexander City, AL Car Insurance

What rates should residents of Alexander City expect to pay for their car insurance? How does Alexander City compare to the surrounding area and the rest of Alabama? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Alexander City?

Based on the chart above, you can see that coverage in Alexander City typically costs about $10 a month less than it does in the rest of Alabama.

If you're thinking of moving to Alexander City from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $38 more expensive than in Alexander City.

Although these are the average rates for auto insurance in Alexander City, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Alexander City so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may rise again in Alexander City.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. In Alexander City, although women do pay slightly less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in Alexander City with one accident will pay around $47 a month. In addition, drivers with a single ticket on their record can expect to pay around $55 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Alexander City, with drivers paying around $41 per month for auto insurance.

Car owners can expect to pay an average of around $44 a month for their policy, while SUVs usually cost around $43 a month to insure.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Alexander City, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

More often than not, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Alexander City, with married couples paying about $12 less per month.

Average Car Insurance Rates by Housing Situation

Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $3 a month more than drivers who own property in Alexander City. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Alexander City, AL

Recent trends in car insurance for Alexander City drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Alexander City, the rates for car insurance have been fairly constant from 2017 to 2022. Drivers paid a a low of $41 in 2018 and a high of $48 in 2021.

How does Alexander City compare to neighboring areas?

Why are car insurance rates in Alexander City different from other areas?

Car insurance companies will take into account several factors when deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:

• Off-street parking availability
• General road safety (how many accidents each locality has)
• Rate of crime
• Number of drivers in the area
• Area regulations

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Alexander City?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Alexander City.

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Alexander City Insurance FAQs

What factors affect car insurance quotes in Alexander City?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Alexander City 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 Alexander City?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Alexander City?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Alexander City or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.