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How much is car insurance in Andalusia?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Andalusia typically costs about $7 a month less than it does in the rest of Alabama.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Andalusia is rather affordable. The average monthly payment in Andalusia is about $35 less than the rate for the rest of the United States.
Although these are the average monthly costs for an auto insurance policy in Andalusia, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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 your monthly premium.
But don't worry, we've broken down average rates for Andalusia residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $50 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may rise again in Andalusia.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Andalusia men actually pay $42 per month for coverage while women pay $49.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Andalusia, a driving record with one accident will usually get you a rate around $76 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $87.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|2-3 Years||Not Enough Data|
|15 Years or Older||$50|
As you can see in the first table above, the cheapest vehicles to insure in Andalusia are usually trucks and vans, which run about $38 per month.
Car owners will see a monthly bill of about $48, while SUV owners typically pay around $53 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Andalusia 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|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Andalusia are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Andalusia. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Andalusia, AL
Recent trends in car insurance for Andalusia 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.
In Andalusia, the rates for auto insurance went up from 2017-2019, where they hit a high of $59, before steadying out in 2020. Policy premiums had been increasing once again in 2021, and have continued rising through 2022, where they finished at $46 a 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 a monthly rate, car insurance companies will consider numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Total number of drivers in the area
- Access to off-street parking
- Rate of car accidents
- Rate of crime
- Community regulations
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. With the knowledge 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 Andalusia?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Andalusia.
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Andalusia Insurance FAQs
What factors affect car insurance quotes in Andalusia?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Andalusia different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Andalusia?
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. 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 Andalusia 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?
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