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How much is car insurance in Attalla?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Attalla as it does in the rest of Alabama.
Likewise, car insurance rates in Attalla are more affordable than the national average. The average monthly payment for the United States as a whole is about $31 more expensive than in Attalla.
Although these are the average rates for auto insurance in Attalla, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Attalla so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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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 behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may rise again in Attalla.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Attalla, the difference is around $10 per month. Based on the chart above, you can see that male drivers pay $57 on average, while female drivers typically pay $47 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Attalla, a driving record with one accident will usually get you a rate around $63 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $60 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$49|
In Attalla, the cheapest vehicles to insure are typically SUVs, with drivers paying around $44 per month for insurance coverage.
Car owners can expect to pay an average of around $47 a month for their policy, while truck and van drivers are usually around $63 to insure each month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Attalla, the most expensive vehicles to insure are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Overall, those who have settled down into marriage will pay slightly less for car 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.
The difference in rates based on relationship status in Attalla can be as much as $13 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Attalla, expect to pay around $6 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Attalla, AL
Recent trends in car insurance for Attalla 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.
Auto insurance rates in Attalla have been mixed as of late, they rose in 2017, dropped in 2019, and increased again in 2021, before finishing at $65 in 2022.
How does Attalla compare to neighboring areas?
Why are car insurance rates in Attalla different from other areas?
There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- General road safety (how many accidents each locality has)
- Off-street parking availability
- Prevalence of crime
- Total amount of drivers in the community
- Local 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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Attalla?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Attalla.
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Attalla Insurance FAQs
What factors affect car insurance quotes in Attalla?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Attalla 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 local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Attalla?
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 Attalla?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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 Attalla 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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