Anniston, AL Car Insurance

How does Anniston stack up to the rest of the area, or even Alabama as a whole? What can Anniston residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Anniston?

According to the chart above, the rates you'll pay for coverage in Anniston are on par with what you would pay anywhere else in Alabama.

Likewise, car insurance rates in Anniston are more affordable than the national average. Car insurance rates for the United States as a whole are, on average, $30 more expensive than the rates you'd pay in Anniston.

Bear in mind that while these rates represent the expected monthly payments for residents of Anniston, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Anniston residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? 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 two times the price that drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up a bit in Anniston.

Average Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. In Anniston, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with clean records will obviously pay much less than those with infractions. The rate for drivers in Anniston with a single accident on their record is about $67 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $56.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Anniston, with drivers paying around $46 per month for insurance coverage.

Car owners, on the other hand, by and large pay around $51 per month, while SUV drivers can expect to pay about $53 a month for auto insurance coverage.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Anniston are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Generally, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Anniston is no exception, with the difference totaling to around $6 a month.

Average Car Insurance Rates by Housing Situation

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than those who own their own home in Anniston. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Anniston, AL

Recent trends in car insurance for Anniston 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.

The rates for auto insurance in Anniston have been mixed as of late, they rose in 2017, decreased in 2019, and increased again in 2021, before finishing at $66 in 2022.

How does Anniston compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Amount of off-street parking
• Community regulations
• Amount of drivers in the community
• Crime levels
• Frequency of car accidents

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. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Anniston?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Anniston.

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Anniston Insurance FAQs

What factors affect car insurance quotes in Anniston?

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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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

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

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 Anniston?

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 Anniston 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?