Table of contents
How much is car insurance in Atmore?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Alabama is about $5 a month more expensive than it is in Atmore.
Likewise, car insurance rates in Atmore are more affordable than the national average. You can expect to pay about $33 less for your policy in Atmore than in the rest of United States.
Although these are the average rates for auto insurance in Atmore, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Atmore residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $21 more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement age in Atmore.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Atmore, this difference shakes out to about $4 per month. As you can see in the table above, female drivers in the area typically pay $45 on average, while female drivers typically pay $49 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Atmore, drivers with one accident on their record will experience rates around $48 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $110.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$25|
|15 Years or Older||$46|
If you look at the first table above, the cheapest vehicles to insure in Atmore are usually trucks and vans, at $41 per month.
SUV drivers will see rates of about $49, while the rates for car owners average out to about $48 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive 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 Atmore are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Atmore is about $8 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$58|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $8 a month more than drivers who own property in Atmore. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Atmore, AL
Recent trends in car insurance for Atmore drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of insurance in Atmore decreased from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $34 per month
How does Atmore compare to neighboring areas?
Why are car insurance rates in Atmore different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of car accidents
- Amount of drivers in the region
- Off-street parking accessibility
- Rate of crime
- Community laws
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 Atmore?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Atmore in no time.
Atmore Insurance FAQs
What factors affect car insurance quotes in Atmore?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Atmore different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Atmore?
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 Atmore?
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. 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 Atmore or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?