Table of contents
How much is car insurance in Anniston?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Anniston than it is in the rest of Alabama.
Similarly, car insurance rates in Anniston are often favorable when viewed against the rest of the country. The average monthly payment in Anniston is about $32 cheaper than the rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 worry not, we've done the heavy lifting and broken down the average rate for Anniston to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay a lot 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. Once you hit retirement, however, you may see your rates begin to go back up in Anniston.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Anniston, the difference is around $4 a month. As you can see in the table above, female drivers in the area typically pay $46 on average, while female drivers typically pay $50 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Anniston with a single accident will pay around $62 a month. Similarly, drivers with one ticket will typically pay around $52 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$46|
According to the first table above, the cheapest vehicles to insure in Anniston are usually trucks and vans, at $38 per month.
Car owners can expect to pay an average of around $49 a month for their policy, while SUVs usually cost around $48 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 rates begin to drop back down. In Anniston, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Overall, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Anniston, with married couples paying about $6 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
One other element taken into consideration is your living accommodations. Drivers who own property in Anniston can expect to pay around $6 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Anniston, AL
Recent trends in car insurance for Anniston 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.
The rates for auto insurance in Anniston went up from 2016-2018, when they reached a high of $61. This changed in 2019, when they began to decrease again. They finished up in 2021, at $50 per month
How does Anniston compare to neighboring areas?
Why are car insurance rates in Anniston different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Crime rates
- Number of car accidents
- Off-street parking availability
- Number of drivers in the community
- Area regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Anniston?
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.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Anniston.
Anniston Insurance FAQs
What factors affect car insurance quotes in Anniston?
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 age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Anniston 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 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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. 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 Anniston or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?