Andalusia, AL Car Insurance

Residents of Andalusia pay, on average, about $46 per month for car insurance. To find out more check out our guide below.
What can Andalusia residents expect to pay for their car insurance? How does Andalusia compare to the surrounding area and the rest of Alabama? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Andalusia?

Area Average Monthly Car Insurance Premium
Andalusia$46
AL$52
United States$80

As you can see in the chart above, it is around $6 a month cheaper to insure your vehicle in Andalusia than it is in the rest of Alabama.

If you're thinking of moving to Andalusia from out of state, you may still be in luck. It's about $34 cheaper than the national average to insure your vehicle in Andalusia.

Bear in mind that while these rates represent the expected monthly payments for Andalusia drivers, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Andalusia residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$85
25-34$39
35-44$40
45-54$33
55-64$33
65+$32

Generally speaking, the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates creep back up in Andalusia.

Average Car Insurance Rates by Gender

Gender Average
Male$42
Female$49

Although women typically pay less than men do for auto insurance, this is not the case in Andalusia, where female drivers pay around $7 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$83
1 Ticket$119
Multiple Tickets$31

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Andalusia with a single accident will pay around $78 a month. Similarly, drivers with one ticket will typically pay around $119 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$92
2-3 YearsNot Enough Data
4-5 Years$62
6-7 Years$37
8-10 Years$50
11-14 Years$38
15 Years or Older$50

According to the first table above, the cheapest vehicles to insure in Andalusia are usually trucks and vans, at $35 per month.

Car owners can expect to pay an average of around $46 a month for their policy, while SUVs usually cost around $58 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Andalusia, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$48
Married$50
Divorced$37
Widowed$50

On average, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

As you can see in the table above, married couples pay about the same rate as single drivers in Andalusia.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$44
Live with parents$87

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $4 a month more than drivers who own property in Andalusia. Those who live with their parents, however, can expect to pay a lot 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 Andalusia, AL

Recent trends in car insurance for Andalusia drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

Auto insurance rates in Andalusia went up from 2016-2019, before leveling out in 2020. They finished up in 2021, at $43 per month

How does Andalusia compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking accessibility
  • Amount of drivers in the region
  • Rate of car accidents
  • Area crime rates
  • Regional laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Andalusia?

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.

Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Andalusia.

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Andalusia Insurance FAQs

What factors affect car insurance quotes in Andalusia?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Andalusia?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Andalusia?

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 Andalusia 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.

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